SikaFlash - Fast Loan at Your Fingertips

Need cash for emergencies? SikaFlash offers reliable, quick cash loans with no collateral, making it easy to access funds whenever you need them.

Loan products
Loan amount: TSH 10,000 - TSH 500,000
Loan term: 90 days - 360 days
Interest rate: from 0.04% to 0.08% daily
Service fee: from 1% to 5%
Maximum Annual Percentage Rate (APR): Less than 36%.

Loan example
If the loan amount is TSH 100,000, the loan term is 180 days, the daily interest rate is 0.05%, and the service fee is 5%:
Total interest fee: TSH 100,000 × 0.05% × 180 days = TSH 9,000
Service fee: TSH 100,000 × 5% = TSH 5,000
Total Repayment: TSH 100,000 + TSH 9,000 + TSH 5,000 = TSH 114,000
Annual Percentage Rate (APR) is 28.39%

Get Your Loan in Simple Steps
1. Download the SikaFlash app.
2. Sign up or log in with your phone number.
3. Fill in your details and submit your application.
4. Check your loan details.
5. Once approved, funds are instantly sent to your linked account.

Key Advantages of SikaFlash
• Easily Apply: 100% online process, simple and paperless.
• Fast approval: Get a 5-minute approval ready when you need it.
• No Collateral: Fast, Simple, Collateral-Free Loans.
• Credit Boost Benefit: Making timely repayments strengthens your credit and opens access to higher loans.

Requirements:
• Tanzanian citizen or legal resident
• Above 18 years old
• Have a stable job or source of income

Privacy & Permissions
To provide secure lending services, SikaFlash may access certain device data for identity verification, credit evaluation, and fraud prevention. You’ll always be informed and asked for consent before required data is used. Your data is encrypted and never shared without permission.

Get in Touch
If you have any questions, comments, or need help, please contact:
Email: [email protected]
Address: Ilala District, P.O. Box 77065, Dar es Salaam, Tanzania