Salary Loans: Public Sector (Non-CAGD)

For public sector worker (or government worker) who does not receive their salaries via the Controller & Accountant General Department (CAGD).


Features & Benefits

• No upfront fees ever. Processing fee only deducted or added to loan at disbursements and never upfront.

• Availability of top-up facility after every 2 months

• 24/7 access to Sikamaster Loans Online Application

• Borrow loans ranging from ghs200 to ghs50,000 (larger loan available via our Personal Loans)

• No collateral required

• Competitive interest rates

• Repay tenures from 1 to 60 months

• Payment mode: Monthly Amortisation (Principal plus Interest)

• Acquire free private health insurance with both local and international coverage. Threshold conditions may apply.




• Must have a Staff ID and Mandate Number and/or have a valid login details for

• One(1) Passport Photo



Repayment & Collections

Pre-agreed repayment sums are taken via the Controller & Accountants General's Department's platform, at source. You can also make payments directly on our platform.



How to apply

Salaried individuals whose salaries are processed by the Controller & Accountants' General's Department. The applicant must be 21 years and above at the time of loan application and 60 years or less at the time of loan maturity.

If you qualify, kindly complete an online application form here, for this type of 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.