Quick Salary Advance

A SikaMaster Salary Advance is the fast, simple and hassle – free way to borrow money for just about anything worthwhile. You can: take a well – earned holiday, buy some furniture or white goods or undertake some minor home renovations.
Quick Salary Advance

Fast Personal Loans

SikaMaster provides Personal Loans of up to GHs100,000 to Salaried Workers in Ghana.
Fast Personal Loans

Mortgages: 6-12% APR

Low rate Home Mortgages for Ghanaian Workers and Business Owners.
Mortgages: 6-12% APR
In a fix and in need of cash? You are at the right place. Applying is easy. But there are a few things you can do now to make it even easier and faster.
 
Individuals must be employed (public or private sector), with a minimum of 2 years post-qualification employment history. Must also have a Salary Bank Account (Current Account), Valid Government-issued Photo ID, SSNIT Card Number, Tax Identification Number (TIN), Valid Phone Number and Email address. Collateral may or may not be required depending on loan type, risk profile and other factors.
 
No Upfront Loan Application Fees. T&Cs apply.
 

Regulatory Compliance

 

Sikamaster (SML), is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart & responsible direct lender for the working class (we don't lend to the unemployed). SML is not; a microfinance institution, and neither a savings & loans company or a Specialised Deposit-taking Institution (SDI) of any form, kind or type. SML does not seek and/or accept outside capital. SML does not charge any upfront fees before lending.

The Bank of Ghana (BoG) does not regulate some forms of no upfront fee non-deposit taking financial services, buy to lets, seller financing, commercial mortgages, secured loans, unsecured loans, earned wage access or workplace loan schemes, buy now pay later products, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

Our loans are strictly for existing customers of The TDG Ecosystem (including employees of existing business customers of GhanaStartups.org, existing tenants of RentNowPayLater.net and all Private-Sector Salaried Workers recruited via TDG Jobs Ghana platform). Our Home Mortgages can only be used to buy from or through DCANS Properties.

All Business Loans have been moved to GhanaStartups.org (a sister company). GhanaStartups.org provides loans to all kinds of businesses, be it large or small and not necessarily startups alone. All Construction Loans have been moved to Build Now Pay Later. All Auto Loans have been moved to Glostar Motors.

All Buy Now Pay Later (BNPL) Loans (incl interest-free and interest-bearing) have been moved to DCANS Pay (a sister company).

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