Hajj Loans (Sharia compliant)

It’s never too early to start organising your finances for Hajj. With travel and accommodation to pay for in advance, you may need to organise additional finances. At Sikamaster Loans, we understand the costs involved and how to prepare – because we know that a pilgrim has more important things to think about.

No riba (interest / usury) on this loan.



• Loans within $1,000 and $25,000 (or in cedi equivalent), per applicant. Maximum lending limit can be exceeded with medical travels.

• Qualified borrowers can borrow on behalf of third-parties



• Applicants must process their own travel visa

• Applicant must fall under one of the following categories to qualify

- A Salaried Worker (Public Sector) and an existing customer or client with us

- A homebuyer with DCANS Properties LLC with an unexpired mortgage

- Any existing secured borrower with us


How to apply

Kindly complete an online application form here.



Related Products

Sharia Home Loans

Sharia Business Loans

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.

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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.
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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.