Salary Advance

aka Payday Loans, Salary Loans

A Sikamaster Salary Advance is a personal overdraft tailored to meet your cash flow needs if you earn a salary. It is a cash bridging facility against your next payday. It is designed to help cover small but urgent unexpected expenses between pay days. No collateral required.



• Minimum qualifying monthly net income: GHs600

• Minimum borrowing limit: GHs200 (maximum: up to 80% of net salary)

• Typical interest rate: Up to 5% per month (0% for qualified existing customers)

• Maximum repayment period: 30 days (but not later than next payday)

• Currently only available to the following customer groups:

- Existing Homebuyers of DCANS Properties and Rent to Buy Ghana

- Existing customers of Rent Now Pay Later Ghana

- Employees of existing employer partners of

- Loyal Repeat Customer Groups

- Employees & Staff of The DCANS Group (incl subsidiaries and affiliates)


Sikamaster Salary Advance Benefits

• Opportunity to upgrade to a Personal Loan 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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