SikaFlow - Quick Online Loans

SikaFlow is here to help you get quick, easy, and trusted cash loans in Ghana, right on your
phone. No stress, no long queues, no paperwork - just simple, transparent loans when you need
them most.
Why Choose SikaFlow?
✅ Simple & Fast Approval: Complete your application in 4 simple steps and receive funds in
minutes.
✅ No paperwork, no collateral: Apply anytime, anywhere from your phone.
✅ Secure & Transparent: No hidden charges. All fees and terms are clearly disclosed before
you apply.
✅ Refer & Earn: Earn exclusive rewards when you refer friends who get approved for their first
loan.
Product Introduction
• Loan Amount: GHS 50- GHS 2,000
• Loan Terms: 91 days to 360 days
• Annual Percentage Rate (APR): 12% - 36%
Example Loan Calculation
Apply GHS 1,000 for 180 days with 24% APR
• Principal: GHS 1,000
• Total Interest: GHS 120 (Calculation: 1,000 × 24% ÷ 360 days × 180 days = 120)
• Total Repayment: GHS 1,120 (Principal + Interest)
Data Safety & Permissions:
With your explicit consent, SikaFlow uses the following permissions to process your loan
application, verify your identity, and prevent fraud:
• Location: To verify your application is initiated within Ghana and to detect fraud risks.
• Device Information: To verify device authenticity and secure your account.
• Installed Apps: To identify potentially harmful software and protect your account.
• Emergency Contacts: Only used for the contacts you manually select to help verify your
identity.
Eligibility:
• Ghanaian resident only
• Aged between 18 and 65
• Active Mobile Money account (MTN, Telecel and AT)
Contact Us:
If you have any questions or need support, reach out to our friendly customer service team:
• Email: support@sika-services.com
• Address: Suite 204, The Gallery, Lagos Avenue, East Legon, Accra, Ghana