Non-interest finance, applied

See what a non-interest deal costs you, next to a bank loan.

Enter your own numbers. Get both options side by side, with a source for every rule we show.

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How it works

  1. 1

    Pick your situation

    Stock, restock or equipment. Farm-season and savings comparisons are coming.

  2. 2

    Enter your numbers

    The amount, the term, and the rate or mark-up you were quoted. We never invent a rate.

  3. 3

    See both, with sources

    Monthly payment, total cost, what happens if you pay late, and where the rules come from.

Africa tracker

Where non-interest finance stands, country by country

Rules, licensed banks, sukuk and takaful for all 54 countries, checked at each regulator's own sources. Every finding is dated.

Active market27Rules in place14Announced or drafting1Nothing found6Not yet checked6of 54 countries
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Latest rule

In Ghana, late-payment penalties must go to charity

A non-interest bank in Ghana may charge a late-payment penalty, but it cannot keep any of it. The money goes into a separate account and is paid out to approved charities.

Bank of Ghana, 13 January 2026, para 55

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What this site will not do

  • Lend money or hold deposits.
  • Give Sharia rulings or call a product halal. Those questions go to a qualified scholar.
  • Tell you one option is better for you. It shows what each costs and what each protects against.