This study empirically investigates the impact of financial inclusion on economic growth in Sub-Saharan Africa and explores the moderating role of institutional quality in this relationship. Utilizing data from 33 countries, the study applies the system generalized method of moments (GMM) technique for analysis. The empirical results reveal a significant negative impact of financial inclusion on economic growth, while institutional quality has a positive direct effect. Notably, the interaction between financial inclusion and institutional quality has a positive influence on economic growth. The study further indicates that bank stability and inflation significantly and negatively influence growth. To achieve the desired growth through inclusive finance, efforts to promote financial inclusion must align with robust institutions. Recognizing that financial inclusion negatively impacts growth independently, policymakers need to implement regulations and oversight to mitigate these adverse effects, preventing over-indebtedness and reducing vulnerability to financial fraud.