Welcome to G-Spirit Loan Solution ("we," "our," or "us"). By accessing or using our loan, capital, and partnership services, you agree to be bound by these Terms and Conditions. Please read them carefully before applying for any of our products or opportunities.
To apply for a loan, capital request, or partnership opportunity with G-Spirit Loan Solution, you must:
For capital and partnership services, we may also require business plans, operational records, financial projections, registration documents, or other verification material to assess viability and risk.
All loans carry a fixed platform charge of 10% per month, calculated on the principal amount for the duration of the loan.
A one-time processing fee of 10% of the loan amount is deducted upfront, before funds are disbursed.
Loans must be repaid by the agreed date. Repaying early is encouraged and carries no penalty — if you settle a loan ahead of schedule, the platform charge is only applied for the period the funds were actually in use.
| Loan Amount (XAF) | Processing Fee (10%) | Monthly Platform Charge (10%) | Total Repayment (1 month) |
|---|---|---|---|
| 50,000 | 5,000 | 5,000 | 55,000 |
| 100,000 | 10,000 | 10,000 | 110,000 |
| 500,000 | 50,000 | 50,000 | 550,000 |
| 1,000,000 | 100,000 | 100,000 | 1,100,000 |
Applicants borrowing from G-Spirit Loan Solution for the first time may request a maximum loan amount of 500,000 XAF. This limit applies regardless of income, collateral, or other qualifying factors. Once a first loan has been fully and successfully repaid, a borrower may become eligible to request higher amounts on subsequent applications, at our discretion.
Every loan requires physical collateral that our team can verify in person. We accept:
Collateral must be worth at least 1.5 times the loan amount. A physical inspection is carried out before any loan is approved.
A 5% daily penalty applies to any outstanding balance not repaid by the due date. This penalty continues to accrue until the full amount is settled.
A 3-day grace period follows the due date, during which no extra penalties apply. We encourage borrowers to reach out during this window to discuss extension options.
If a loan remains unpaid 15 days past its due date, it is considered in default. In this case:
If you expect trouble repaying on time, contact us before the due date. Depending on your situation, we may offer:
Extension fees may apply — reach out to discuss what works for you.
By submitting an application, you confirm that everything you've provided is accurate and complete. Submitting false or misleading information may lead to:
We handle your personal information in line with our Privacy Policy. By using our services, you agree to:
By applying for any of our services, including loans, capital requests, or partnership opportunities, you agree to receive communications from us via phone call, SMS, WhatsApp, and email — including service updates, review notices, payment reminders, follow-up requests, and occasional promotional offers where relevant.
G-Spirit Loan Solution is not liable for indirect, incidental, or consequential damages arising from use (or inability to use) our services, delays in processing or disbursement, inaccurate information you've supplied, or the actions of third-party partners. Our total liability in any case will not exceed the amount of the loan provided.
We may update these terms from time to time. Changes take effect as soon as they're posted on our website. Continuing to use our services after an update means you accept the revised terms.
These terms are governed by the laws of the Republic of Cameroon. Any disputes will fall under the exclusive jurisdiction of the courts of Cameroon.
Last updated: August 2026