Unsecured Loans

Our Unsecured Loans are flexible, short- to medium-term loans tailored to meet your personal financing needs such as buying household or electronic appliances, education expenses, home improvements, car maintenance, rent advance and other personal expenses.



• High Loan Amount: Can borrow up to GHS 300,000

• Long Tenures: Flexible monthly repayments for up to 60 months

• Flexible repayments: Depending on borrower profile, via salary bank account or direct payroll deduction or mobile payments or post-dated cheques



• Net minimum salary of GHS500

• Regularly Salaried Worker



• You must work for an organisation profiled by us or work for a company who has a corporate or business loan with us

• You have to be in employment for at least six(6) months and confirmed in current job role

• Must be 18 years and not more than 60 years by facility expiry

• Ghanaian citizen or legal resident in Ghana (expatriates)

• Loan will be approved subject to a positive credit bureau report

• Complete an online loan application form and upload the following documents:

    - Proof of identity - passport, driver’s licence, Voters’ Identity Card

    - Proof of address - utility bill less than three months old

    - Letter of Undertaking from employer

    - Six(6) months’ bank statements (for new customers only)

    - Passport photo


Types of Unsecured Loans Available

Salary Loans (Public Sector)

Salary Loans (Private Sector)

Unsecured Personal Loans



Quick FAQs

How much can I borrow?

Up to GHS300,000


Who is eligible for a loan?

Anyone who works for a company with which Sikamaster Loans has signed a Scheme Agreement to Salaried employees within our list of over 50 organisations.


How much do I need to earn to qualify for a loan?

You need to earn a minimum net salary of GHS500 in order to qualify for a 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.