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Sikabus: How To Apply and get an instant loan up to 50,000 online with this app without collateral in Ghana.

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Description: Do you need a loan?  You can get an instant loan online up to 50,000  with Sikabus when the need of an emergency fund pops up. It is very easy to use this mobile loan app when borrowing with it.

Loan Details :

Loan Amount : if you are borrowing with Sikabus loan app, the maximum loan amount you can get is Gh¢50,000

Loan Tenure: The lowest days a borrowe have to make payment is 120 (4 months) and the highest days a customer also has to pay the full amount is 360. You may face some penalty (extra charges) when you did not pay back earlier.


Interest Rate :not exceed 0.02% every day, up to 24% per annum;
Processing Fees: 5% – 10% (including payment gateway fee, credit fee and VAT). The fees will be reduced from the loan amount. Different level with different process fee;
APR: up to 24%.

Loan Example:

If you borrow GH₵ 5,000 and the tenure is 120 days:
1. Total interest is GH₵ 5,000 x 120 x 0.05% = GH₵ 300
2. Processing fee is GH₵ 5,000 * 5% = GH₵ 250(including 14% IVA of processing fee).
3. You will receive GH₵ 5,000 – GH₵ 250 = GH₵ 4,750.
4. The total repayment amount is GH₵ 5,000 + GH₵ 300 = GH₵ 5,300.

How To Apply For Sikabus loan with the app.

The following steps will help you to get an instant loan with this app easily.

Here’s how it’s done.

  1. Install SikaBus APP from Google Play Store.
  2. Register your account, fill in basic information, and submit your application.
  3. Then SikaBus will calculate your credit score,if approved, and you will be notified via SMS.
  4.  The approved loan amount will be credited to your wallet account within 24 hours and a SMS notification will be sent

Sikabus Loan Eligibility Requirements.

Before you can apply and get a loan from Sikabus, the following are required to make you eligible to apply for a loan. Here are the details….


  • An applicant should have a monthly source of income either from government or private.
  • Residents of Ghana is one of the most important criteria to make you qualify.
  • An applicant should fall between the age of 20 to 60 years to be able to access Sikabus loan.

E-mail: [email protected]
Address: M7XX+464, Sunyani Rd, Kumasi, Ghana

Wrap up:

To wrap up or conclude, I will say getting an instant loan online is not a bad idea at all because that will help you to start your dream business. And also, an emergency problem are solved quickly and easily without the knowledge of people which also prevent us from embarrassment.

Therefore, if you are looking for a good mobile loan apps to borrow money with in Ghana, Sikabus app cannot be left out. They give good services to customers who need an emergency fund in a particular period of time.

They give loan up to Gh¢50,000 borrow your own now.

The following are the reasons why I recommend Sikabus to you to borrow with.

1. No credit history required
2. Paperless and digital process
3. Efficient Application Review
4. Disburse to your wallet account once approved
5. Get 24*7 service support anytime, anywhere

Read more here

Also you apply for Fido loans: Apply and get online instant loan in Ghana without collateral.

Boseapa loan: Get personal instant loan up to Ghs 6,000 with this app.

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Written by Dannorsimon

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