Credit Account

A specialised account which a customer has with us which allows you to buy goods and services from any of our merchant partners, and pay for them at a later - - just one of the easy and secure ways to shop.

 

Sikamaster Credit Account Features

- Sikamaster Credit Account is open-ended – it has no fixed term. You can purchase goods from Our Merchant Partners, up to the credit limit set for you and try before you buy. You will receive a regular statement showing details of your purchases, your minimum monthly repayment and when to make the payment by.

- If you settle the account balance in full by the due date on your statement, no interest is charged. Any balance carried forward to your next statement date will attract an interest charge (except where interest free promotional terms apply).

- Gift Cards and eGift Cards cannot be used in conjunction with this offer. Returned items refunded at the discounted price paid.

- Sikamaster Credit Account exceptions, terms and conditions apply.

- Credit subject to status. Ghana residents aged 21 and over. This offer is only available to new customers buying a product or service from any of Our Merchant Partners Only, and may be withdrawn at any time. See our Terms & Conditions for more information.

Useful info

Sikamaster, is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart and responsible direct lender for the working class and modern and/or scalable small, medium & large businesses, including startups.

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.

Rolling out a secured, safer, convenient, revolutionary self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining, including key synergistic acquisitions and regulation for some aspects of our operations).

We're Social

             

Ghana's 24/7 Direct Financing Hub

Not all our loans require a collateral - But if your loan requires one, any property used as security (which may include your home or pensions and/or business assets, or personal guarantees) may be repossessed if you do not keep up repayments on a loan or any other debts secured on it. Our Repayment Assistance Programme is available to qualified borrowers only.
 
PLEASE READ TERMS & CONDITIONS, COOKIES POLICY, PRIVACY POLICY, DATA RETENTION POLICY, & MODERN SLAVERY POLICY BEFORE USING THIS WEBSITE OR OUR SERVICE.
 
Applicants must be 18 or over. All loans are subject to affordability, applicant verification, traditional credit checks and TDG Scoring via various national databases in accordance with Sikamaster''s responsible lending policy.
 
Please note that there have been an increasing number of attempts to defraud Sikamaster clients. Please take every necessary measure to ensure that your account information is secure! Learn more.
 
Aside lending, our website offers information about saving, investing, tax and other financial matters, but not personal advice. If you're not sure whether Sikamaster Loans lending is right for you, please seek independent financial advice, and if you decide to borrow from us, please read our How We Operate before you proceed.