Salaried customers
Salary Advance
Bridge the gap between paydays with confidence.
A structured short-term facility for eligible salaried customers who need practical support before their next pay cycle.
At a glance
Indicative FacilityGHS 500 – 10,000
Indicative Tenor1 – 12 months
RepaymentPayroll or approved MoMo route
Final approval, pricing and facility terms remain subject to SikaWise policy and individual assessment.
Designed for eligible customers with a genuine borrowing need.
- Eligible public and private sector employees
- Customers with a verifiable regular salary
- Workers managing urgent short-term expenses
Clear features, responsible assessment.
- Indicative facility range: GHS 500 – GHS 10,000
- Indicative tenor: 1 – 12 months
- Affordability-led assessment
- Transparent repayment schedule before acceptance
- Digital-first application and document collection
What you may need to provide.
- Valid approved identification
- Evidence of employment and recent income
- Bank or mobile-money records where required
- Completed affordability and credit assessment
A simple digital journey.
- 01
Create and verify your SikaWise account
- 02
Complete KYC and consent checks
- 03
Provide employment and income information
- 04
Review the approved offer and repayment schedule
- 05
Accept the agreement before disbursement
We stay connected through the loan journey.
Eligible repayment channels may include payroll arrangements or approved mobile-money channels, subject to the final product policy.