Pledge Point Credit
collateral-based short-term lending platform designed to provide fast, secure, and accessible micro-loans to students and individuals who need immediate cash flow support.
Modern fintech solution that digitizes collateral-based micro-lending, making short-term finance faster, safer, and more accessible.
Problem the Platform Solves
Many students and young professionals
• Do not have access to traditional banking credit
• Cannot meet strict loan eligibility requirements
• Need urgent short-term liquidity
• Face delays with conventional loan approvals
Instant evaluation
Targeting a significant reduction in financed emissions by 2030 across all portfolios
Short approval cycles
UNEP FI & GCF Accredited
Transparent repayment tracking
Full alignment with Mongolian & SDG Finance Taxonomies.
How the Model Works
Structured for integrity. Built for the long term.
Who we are
Governance structures dedicated to sustainable development, responsibility, and social equality across all operations.
Founder's Message
When I started PledgePoint Credit, I had one goal. To make fast and fair access to money simple for students and young workers who need urgent support. I understand what it feels like to have potential but lack short term cash. Many people have valuable items, phones, laptops, TVs, but no quick way to turn them into working capital without selling them. PledgePoint Credit solves that problem. We offer a clear and structured collateral based loan system. You pledge an item, receive up to 60 percent of its value, and repay within the agreed period. No hidden charges. No confusing terms. Full transparency from day one.
Our focus is trust, discipline, and respect. Your items are handled with care. Your information stays confidential. Your repayment terms are clearly explained before any agreement is signed. PledgePoint Credit is not only about loans. It is about giving you breathing space to solve urgent problems, fund opportunities, and stay in control of your finances. Thank you for trusting us. We are here to grow with you.
Testimonials
See how our users and client's are benefiting and enjoying the experience of our platform, and how we are making a positive impact in the world.
Kwame Mensah, KNUST Student
I needed money urgently to settle my school fees, and PledgePoint Credit came through for me. The process was simple. I pledged my laptop and received 60 percent of its value the same day. No long forms, no stress. I repaid on time and got my item back in perfect condition. I will use their service again.
Abena Owusu, Small Business Owner
My shop needed quick restocking, but I was short on cash. PledgePoint Credit gave me a short term loan within hours after I pledged my TV. The terms were clear and there were no hidden charges. This service helped me keep my business running without embarrassment or delay.
Daniel Asare, National Service Personnel
I had an emergency and needed funds fast. A friend referred me to PledgePoint Credit. The team explained everything clearly, including the interest and repayment period. I felt safe leaving my gadget with them. After repayment, I received my item back exactly as I gave it. Reliable and professional service.
Payment Dashboard
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