SikaFlash: Instant access to loans up to 500,000 TSH
Fast, easy, and reliable
No Collateral Needed- 5-Minute Approval
Fast, easy, and reliable
No Collateral Needed5-Minute ApprovalApply for your loan completely online, with no income proof or guarantor required, through a quick and simple process. 24/7 service available.
Complete your details and provide accurate information to help us assess your loan limit more precisely. Your data is protected with industry-standard security.
Get access to loans of up to TSH 500,000, with a simple and transparent process. The more loans you apply for, the higher your credit limit. (Subject to evaluation.)
You're just one step away from getting money! Please review your available loan limit, calculated fees, and repayment schedule. Once you link your payout account, submit your withdrawal request!
User-Friendly Design
Enjoy a smooth and fast loan experience
No Hassle
Enjoy a smooth and fast loan experience
Fast Disbursement
Funds are guaranteed to arrive within 12 hours after approval
Why was my loan application rejected? 
Sometimes your loan application may be declined if we see a risk of over-indebtedness. This is to keep your finances safe. A rejection is only temporary.
How can I update my personal details?
Send your current and updated information (name, phone, or address) to our customer service email.
Can I extend my repayment date?
Yes. Apply on or before your due date; if eligible, your loan term will be extended after paying only the interest.
Why haven't I received the loan transfer even though it was approved?
Loan transfers usually take a few minutes to a few hours, but in some cases may take up to 24 hours to reach your account.
My payment hasn't been reflected, what's happening?
If you don't receive confirmation within a few hours, email us your payment message and the phone number used at sikaflash@happylendfin.com.
