Student Loans - Local

We are very much aware that the Student Loan Trust Fund offers limited academic financing for qualified students. There are obviously a select group of students who may not qualify at all, or do not find the public student loans adequate. We offer world-class private student loans to qualified categories:

• Students of partner accredited tertiary institutions in Ghana

• Students of accredited institutions co-signed by a qualified The DCANS Group (incl subsidiaries and affiliates) Employee or Staff

• Children & Wards of qualified The DCANS Group (incl subsidiaries and affiliates) Employee or Staff

• Children & Wards of Existing Homebuyer customers of DCANS Properties and Rent to Buy Ghana.




• Can be used for tuition fees (which we pay directly to the accredited institution on your behalf), residential user fees, monthly upkeep, etc.

• Can be used for Undergraduate or Postgraduate studies (Taught or Research)

• Maximum rate for this type of loan is 12.00% p.a.

• Can borrow between GHS1,000 and GHS50,000.


How to apply

Just complete an online application form here after you have been given valid login details by relevant qualified persons or entities.



Related Pages

Student Loans - Foreign

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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