This offers a handy way to have instant access to some of the top fashion brands and products we sell on our platform even when you don't have the cash to pay for it, now - gives shoppers the option to defer payments for items which they need now, while allowing the flexibility of payment at a later date.

We won't charge you any extra, so you can get that brand new shoes or clothes and pay for it later. We are on a mission to reinvent the way people get loans to get whatever they want. This service lets online shoppers pay for purchases in multiple monthly installments.

Are you eligible?

To apply and get credit limit, 

• You must be over 21 

• You must be Ghana resident

• You must be spending a minimum of $300 to qualify for an initial loan of $100 (for example, if your total checkout amount is say $300, you will only be required to pay just $200 and we provide you an initial credit of $100 and you pay the remaining $100 back, interest-free over a period not exceeding 12 months).

Any unpaid loans beyond 3 months attracts a monthly interest rate of 2% on outstanding balance.

• And be within one of the following customer groups:

- A Salaried Government Worker, or

- An existing client of any of our sister companies with an existing secured credit facility.


Note: Loan sizes are increased in subsequent transactions when previous credit have been paid back.

Follow 3 easy steps to arrange our Buy Now Pay Later interest free option ...

• Select the product(s) which you wish to purchase

• Credit is provided by Sikamaster Loans

• Top-up your PC24S' Account to complete the transaction

Note: Sikamaster Loans is a sister company and by completing an application with them, you have agreed that they can pass on your loan approval or decline information to us, to take it from there.

Please Note:

• No credit check for up to $500 shopping loans

• Even if we do not do a credit check for loans up to $500 and you default, we still reserve the right to report your credit event to credit agencies and it may affect your credit score.

• You may also tell us to report your on-time payments to credit agencies to repair or boost your credit score.

• Credit checks mandatory for loans above $500

• Consumer credit starts from $50 up to $25,000

• Loans above $25,000 available for our wholesale and/or small business clients

• You cannot apply for credit if you have not been a resident of this country for minimum of 2 years, if you are receiving unemployment benefit or are under 18 years of age.

• We cannot ship a finance order to a different delivery address. All finance orders will be delivered to the billing address.

• All finance orders must be signed for to receive shipped package to the billing address.

• All loans below $25,000 has a maximum repayment period of 12 months, whilst loans above $25,000 has max of 60 months to pay back.

• We reserve the right to pass on your information to debt recovery companies if loans remain outstanding beyond pre-agreed repayment period, aside reporting to credit agencies

• For help and assistance, kindly email: Customer Services