Salary Loans

aka Payday Loans, Salary Advance

Designed to support all public sector workers and employees of qualified private sector companies.



Available Salary Loans

- Private Sector Salary Loans (Partner Employers)

- Private Sector Salary Loans (Non-Partner Employers)


How they compare


 Who Qualifies?
 Employed by the state and paid via CAGD
 Must Have a Valid Staff ID for
 Employed by the state but not paid via CAGD
Private Sector I
 Employed by an approved partner
Private Sector II
Employed by an unapproved partner


Sikamaster Salary Loan Benefits

• Opportunity to upgrade to a Personal Loan

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 automated self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining).

Fully compliant with AML and KYC regulations.

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.
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. 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.