Personal Loans

Interest rates from 5% monthly. Get from ZMW 500 to ZMW 100,000 for your personal needs.

Personal Financing

An individual financing solution for employees of established organisations which provides financial resources to achieve financial goals, meet daily expenses, save, invest, and plan for the future.

What our sustainable lending policy means

We limit your monthly repayment to 33% of your net pay, ensuring you can comfortably manage your loan while maintaining your lifestyle.

Why Choose Our Personal Loans

Low Rates

The longer the period, the lower the monthly interest rate.

One Fee

No hidden fees. No nonsense. Simple and transparent.

Online Management

Easy online application with access to customer support.

Borrow Sustainably

We limit your monthly repayment to 33% of your net pay.

Our Personal Loan Products

Payroll Backed Loans

For employees in the private sector who meet minimum requirements for a tenure of up to 6 months.

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MOU Loan

A payroll backed loan solution tailored to employees of established organisations with MoU partnerships. Up to 3 years tenure.

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Salary Advances

For private sector employees for a tenure of 1 month, collected using a DDACC facility.

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GRZ Employee Loans

Personal loan solution for members of the civil service up to 36 months at flexible interest rates.

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How to Apply

1
Pre-Qualify

Pick a financing solution and complete the pre-qualification form in 3 minutes.

2
Complete Your Application

Make an application and upload required information.

3
Receive Approval

Receive approval on day 1, sign your documents and receive funds on day 2.

Eligibility Criteria

To apply for a personal loan, you will need:

  • NRC copy and portrait picture of applicant
  • Proof of residence
  • 3 latest payslips and bank statements
  • Letter to confirm employment