Personal Loans

Life is full of surprises, and sometimes you need a little bit of extra money to get you back into a steady financial position. This is where applying for a personal loan can be your best option, especially when alternative options are closed to you. With Sikamaster Loans, you can have all that in span of 2-7 days! Personal Loan is designed to provide your needs in fast and easy way.



• Up to GHS100,000 (supported by income levels). Minimum: GHs1,000

• Minimum qualifying monthly net salary: GHs800

• Repayment Period: 6 months to 60 months

• Maximum interest rate: 20% per annum

• A one-off 10% fee deducted from final loan being disbursed.

• No penalties for prepayments or early repayments.

Collateral required for all loans above GHs10,000.


Qualified Applicants

The table below gives you a picture of the requirements for each qualified applicant. This loan type is strictly designed to support

• All public sector workers and

• Private sector employees of companies who are existing customers of

If you do not qualify under any of the groups above, you may want to see our Loyal Repeat Customers (Loan partnership model with selected vendor partners).


Who Qualifies?
How to apply
Public Sector I
Employed by the state and paid via CAGD
Must Have a Valid Staff ID for
Login to complete an online application form here, after being provided your login details after pre-qualification.
Public Sector II
Employed by the state but not paid via CAGD
Most recent payslip (3 months), SSNIT Card (or proof of Cap 30), Proof of Tier-2 or Provident Fund
Login to complete an online application form here, after being provided your login details after pre-qualification.
Private Sector
Employed by an existing customer of
Most recent payslip (3 months), SSNIT Card, Proof of Tier-2 pension.
Your qualified employer will give you login details to login at to apply.


Sikamaster Personal Loans Benefits

• Opportunity to upgrade or be considered for a Low-rate Home Mortgage.

• Opportunity to benefit from Care Now Pay Later, delivered by DCANS Pay (a sister company) that allows you to seek medical care (home or abroad) and pay later for procedures and prescription drugs that are not covered by the NHIS.

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, existing tenants of 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 (a sister company). 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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