In Zambia, civil servants have access to various loan facilities tailored to their financial needs. Here are some notable options:
Public Service Micro Finance Company (PSMFC)
Established in March 2013, PSMFC is a government-owned institution dedicated to providing affordable loans to public service workers. Their offerings include:
- Personal Loans:
Amounts ranging from ZMW 5,000 to ZMW 50,000, with repayment periods up to 60 months at an interest rate of 5% per annum.
- Motor Vehicle Asset Finance:
Financing for brand-new, duty-free vehicles from accredited dealers, with loan tenures up to 84 months and an interest rate of 15% per annum.
- Home Ownership Loans:
Loans designed to assist civil servants in acquiring, constructing, or renovating houses.
Doza offers instant civil servant loans with minimal paperwork. Applicants can receive up to ZMW 30,000 with flexible terms. The application process is streamlined, allowing for quick disbursal.
ZamLoan provides payroll loans to government employees, requiring only a National Registration Card (NRC) for application. Loans are disbursed via mobile money within an hour, offering amounts up to ZMW 9,000 or more, depending on the applicant's profile.
Specializing in loans for Zambia’s civil servants, Uthali offers fast approvals and flexible repayment plans. Applicants need to provide necessary documentation, and funds are disbursed directly to their bank accounts upon approval.
Coinway provides civil servant loans ranging from ZMW 500 to ZMW 100,000, with flexible terms from 1 month to 2 years. Required documents include the latest three months' pay slips, bank statements, and a signed loan agreement.
LoanNow offers tailored loans for government employees at competitive rates. Loan amounts can reach up to ZMW 100,000, with a tenure of up to 60 months. An application fee of 3.5% of the loan amount applies.
Lupiya is a Zambian fintech company offering tailored loan solutions for civil servants. Their services are designed to provide quick and accessible financial assistance to government employees.
Personal Loans: Civil servants can apply for personal loans up to K50,000 at competitive interest rates. The application process is streamlined for convenience.
Doza Finance
Doza offers instant civil servant loans with minimal paperwork. Applicants can receive up to ZMW 30,000 with flexible terms. The application process is streamlined, allowing for quick disbursal.
ZamLoan and Biu
ZamLoan provides payroll loans to government employees, requiring only a National Registration Card (NRC) for application. Loans are disbursed via mobile money within an hour, offering amounts up to ZMW 9,000 or more, depending on the applicant's profile.
Uthali Company Limited:
Specializing in loans for Zambia’s civil servants, Uthali offers fast approvals and flexible repayment plans. Applicants need to provide necessary documentation, and funds are disbursed directly to their bank accounts upon approval.
Coinway Finance:
Coinway provides civil servant loans ranging from ZMW 500 to ZMW 100,000, with flexible terms from 1 month to 2 years. Required documents include the latest three months' pay slips, bank statements, and a signed loan agreement.
LoanNow Zambia:
LoanNow offers tailored loans for government employees at competitive rates. Loan amounts can reach up to ZMW 100,000, with a tenure of up to 60 months. An application fee of 3.5% of the loan amount applies.
Lupiya loans for civil servants
Lupiya is a Zambian fintech company offering tailored loan solutions for civil servants. Their services are designed to provide quick and accessible financial assistance to government employees.
- Loan Offerings:
Personal Loans: Civil servants can apply for personal loans up to K50,000 at competitive interest rates. The application process is streamlined for convenience.
- Fixed-Term Loans:
Lupiya provides fixed-term loans specifically crafted for civil servants, offering flexible repayment terms to suit individual financial situations.
1. Online Application: Visit Lupiya's website to complete the online application form.
2. Documentation: Provide necessary documents, including a valid National Registration Card (NRC), proof of residence, and recent pay slips.
3. Approval: Upon submission, Lupiya reviews the application and disburses funds promptly upon approval.
For more information or to apply, visit Lupiya's official website:
Lupiya's commitment to financial inclusion ensures that civil servants have access to the funds they need with minimal hassle.
Unifi is a prominent microfinance institution in Zambia, offering fast and flexible loan solutions to formally employed individuals. With a blend of in-person service and digital tools, Unifi aims to make accessing credit straightforward and convenient.
Loan Amounts: Customers can borrow amounts tailored to their needs.
Repayment Terms: Flexible repayment periods are available, allowing clients to choose terms that best fit their financial situations.
Interest Rates: Competitive interest rates are offered, with rates as low as 6%.
To qualify for a Unifi loan, applicants must:
In-Person: First-time applicants can visit any of Unifi's branches across Zambia. The loan application process is efficient, with approvals and cash disbursements typically completed within 20 minutes.
Digital Platforms: Returning customers can utilize the Uniapp, a USSD-based application, by dialing *414# or by contacting Unifi via WhatsApp at 0966 414 414. These platforms allow users to apply for loans, check balances, and make repayments conveniently.
General Enquiries: contactus@unifi.credit
Job Enquiries: careers@unifi.credit
Uniapp Access: Dial *414#
WhatsApp: 0966 414 414
Physical Address: 1 Chila Road, Kabulonga, Lusaka, Zambia
Unifi's commitment to combining personal service with technological innovation makes it a leading choice for individuals seeking reliable and efficient loan services in Zambia.
Bayport Financial Services Zambia Limited is a leading microfinance institution offering a range of financial products tailored to salaried employees in both the public and private sectors.
Application Process:
1. Online Application: Visit Lupiya's website to complete the online application form.
2. Documentation: Provide necessary documents, including a valid National Registration Card (NRC), proof of residence, and recent pay slips.
3. Approval: Upon submission, Lupiya reviews the application and disburses funds promptly upon approval.
For more information or to apply, visit Lupiya's official website:
Lupiya's commitment to financial inclusion ensures that civil servants have access to the funds they need with minimal hassle.
Unifi loans Zambia
Unifi is a prominent microfinance institution in Zambia, offering fast and flexible loan solutions to formally employed individuals. With a blend of in-person service and digital tools, Unifi aims to make accessing credit straightforward and convenient.
Loan Features:
Loan Amounts: Customers can borrow amounts tailored to their needs.
Repayment Terms: Flexible repayment periods are available, allowing clients to choose terms that best fit their financial situations.
Interest Rates: Competitive interest rates are offered, with rates as low as 6%.
Eligibility Criteria:
To qualify for a Unifi loan, applicants must:
- Be formally employed.
- Have their salary paid into a bank account.
- Provide the latest pay slip.
- Present the latest month's bank statement.
- Possess an original National Registration Card (NRC).
Application Process:
In-Person: First-time applicants can visit any of Unifi's branches across Zambia. The loan application process is efficient, with approvals and cash disbursements typically completed within 20 minutes.
Digital Platforms: Returning customers can utilize the Uniapp, a USSD-based application, by dialing *414# or by contacting Unifi via WhatsApp at 0966 414 414. These platforms allow users to apply for loans, check balances, and make repayments conveniently.
Contact Information:
General Enquiries: contactus@unifi.credit
Job Enquiries: careers@unifi.credit
Uniapp Access: Dial *414#
WhatsApp: 0966 414 414
Physical Address: 1 Chila Road, Kabulonga, Lusaka, Zambia
Unifi's commitment to combining personal service with technological innovation makes it a leading choice for individuals seeking reliable and efficient loan services in Zambia.
Bayport loans Zambia
Bayport Financial Services Zambia Limited is a leading microfinance institution offering a range of financial products tailored to salaried employees in both the public and private sectors.
Loan Products:
Payroll Loans: Designed for individuals in formal employment whose employers have agreements with Bayport. Loan amounts and terms are determined based on the applicant's affordability rating.
Flexible Repayment Periods: Repayment terms range from 1 to 60 months, accommodating various financial needs.
Transparent Pricing: Bayport emphasizes transparent and competitive pricing with no hidden costs.
To qualify for a Bayport loan, applicants must:
Head Office: 68 Independence Ave, Justin Chola House, PO Box 33819, Lusaka.
Phone: +260 211 257 243
Mobile: +260 978 950 979 / +260 977 905 524
Email: bayportzambiacallcenter@bayport.co.zm
For more details or to locate the nearest branch, visit Bayport Zambia's official website:
Bayport's commitment to responsible and affordable unsecured credit aims to accelerate economic growth and build individual self-sustainability among Zambians.
Izwe Zambia offers tailored financial solutions specifically designed for civil servants, including members of the Zambia National Service (ZNS) and the Zambia Air Force (ZAF).
Loan Amounts: Customized to meet individual financial needs.
Repayment Terms: Flexible options with fixed interest rates, allowing for manageable monthly payments.
Application Process: Efficient processing with feedback provided within minutes.
Key Features:
Flexible Repayment Periods: Repayment terms range from 1 to 60 months, accommodating various financial needs.
Transparent Pricing: Bayport emphasizes transparent and competitive pricing with no hidden costs.
Eligibility Criteria:
To qualify for a Bayport loan, applicants must:
- Be in formal employment with an employer contracted with Bayport Financial Services.
- Provide two original recent payslips.
- Present an original National Registration Card (NRC).
- Show a work identification card.
- Submit the latest bank statement.
- Complete and sign a pre-approval form.
Application Process:
Interested individuals can apply by visiting any of Bayport's branches across Zambia. The company boasts a significant presence nationwide, ensuring accessibility for clients.Contact Information:
Head Office: 68 Independence Ave, Justin Chola House, PO Box 33819, Lusaka.
Phone: +260 211 257 243
Mobile: +260 978 950 979 / +260 977 905 524
Email: bayportzambiacallcenter@bayport.co.zm
For more details or to locate the nearest branch, visit Bayport Zambia's official website:
Bayport's commitment to responsible and affordable unsecured credit aims to accelerate economic growth and build individual self-sustainability among Zambians.
Izwe loans for civil servants
Izwe Zambia offers tailored financial solutions specifically designed for civil servants, including members of the Zambia National Service (ZNS) and the Zambia Air Force (ZAF).
Personal Loans:
Loan Amounts: Customized to meet individual financial needs.
Repayment Terms: Flexible options with fixed interest rates, allowing for manageable monthly payments.
Application Process: Efficient processing with feedback provided within minutes.
Salary Advance Loans:
Loan Amounts: Up to K3,500.
Repayment Terms: Up to 3 months.
Disbursement: Funds are disbursed within 24 hours upon application approval.
Eligibility Criteria:
- Permanent employment as a civil servant, ZNS, or ZAF member.
- Provision of necessary documentation, such as recent payslips and a valid National Registration Card (NRC).
Application Process:
Online Application: Visit the Izwe Zambia website to apply online.
Documentation: Submit the required documents during the application process.
Approval and Disbursement: Upon approval, funds are disbursed promptly, with salary advance loans paid within 24 hours.
Contact Information:
Phone: +260 211 220 752
Email: info@izwezambia.com
Website: www.izwezambia.com
Izwe Zambia is committed to providing accessible and efficient financial services to civil servants, helping them achieve their financial goals with ease.
Express credit loans
Express Credit Zambia is a licensed microfinance institution regulated by the Bank of Zambia, offering a range of loan products to meet various financial needs.
Loan Products:
1. Payday Loans:Loan Amounts: K200 to K10,000
Repayment Term: 30 days
Features: Quick cash loans with an easy application process, available both online and in-branch. Applications are processed and approved on the same day, with simple and hassle-free requirements.
Repayment Term: 30 days
Features: Quick cash loans with an easy application process, available both online and in-branch. Applications are processed and approved on the same day, with simple and hassle-free requirements.
2. Long-Term Loans:
Loan Amounts: K5,000 to K20,000
Repayment Term: 3 to 6 months
Features: Designed for individuals seeking larger amounts with manageable repayment plans. The application process is straightforward, with same-day approval.
Repayment Term: 3 to 6 months
Features: Designed for individuals seeking larger amounts with manageable repayment plans. The application process is straightforward, with same-day approval.
Application Process:
Online Application: Visit the ExpressCredit Zambia website to apply online.
In-Branch Application: Locate the nearest branch using the branch finder on their website and apply in person.
In-Branch Application: Locate the nearest branch using the branch finder on their website and apply in person.
Contact Information:
Phone: 3334 or 494120# (USSD)
Email: info@expresscredit.co.zm
Head Office Address: First Floor, Pangaea Office Park, Stand #2374, Show Grounds, Off Great East Road, Lusaka.
Xtenda Finance Limited, operating as Xtenda Zambia, is a microfinance institution specializing in payroll-backed loans for government and quasi-government employees. Established in 2008 as Letshego Zambia, the company rebranded to Oryx Finance Limited in 2014 and adopted its current name in December 2016.
Loan Amounts: Xtenda Zambia provides financial assistance ranging from K1,000 to K150,000.
Repayment Terms: Flexible loan periods between 3 and 72 months, determined by the client.
Credit Life Insurance: Covers the outstanding loan balance in the event of the client's death, protecting the client's estate or employer benefits.
Funeral Cover: Provides up to K20,000 to the spouse or beneficiary during the loan term, assisting with funeral expenses.
Unit Trust Savings Account: Offers clients an opportunity to save alongside their loan.
Free Smartphone: Eligible clients may receive a complimentary smartphone.
Applicants must:
Interested individuals can apply by visiting any of Xtenda Zambia's branches across the country. The head office is located at Mambilima House, Kabelenga Road, P.O. Box 51499, Ridgeway, Lusaka.
Contact Information:
Phone: +260 211 220 752
Email: info@xtendafin.co.zm
Website: https://xtendafin.co.zm
Xtenda Zambia is committed to providing simple and trusted lending solutions to government and quasi-government employees, ensuring financial assistance is accessible and tailored to individual needs.
Email: info@expresscredit.co.zm
Head Office Address: First Floor, Pangaea Office Park, Stand #2374, Show Grounds, Off Great East Road, Lusaka.
Xtenda loans Zambia
Xtenda Finance Limited, operating as Xtenda Zambia, is a microfinance institution specializing in payroll-backed loans for government and quasi-government employees. Established in 2008 as Letshego Zambia, the company rebranded to Oryx Finance Limited in 2014 and adopted its current name in December 2016.
Loan Offerings:
Loan Amounts: Xtenda Zambia provides financial assistance ranging from K1,000 to K150,000.
Repayment Terms: Flexible loan periods between 3 and 72 months, determined by the client.
Additional Benefits:
Credit Life Insurance: Covers the outstanding loan balance in the event of the client's death, protecting the client's estate or employer benefits.
Funeral Cover: Provides up to K20,000 to the spouse or beneficiary during the loan term, assisting with funeral expenses.
Unit Trust Savings Account: Offers clients an opportunity to save alongside their loan.
Free Smartphone: Eligible clients may receive a complimentary smartphone.
Eligibility Criteria:
Applicants must:
- Be employed for at least 3 to 6 months with their current employer.
- Be at least 18 years old.
- Provide a valid ID document and employer-issued ID card.
- Submit the latest payslip and bank statement.
- Present proof of residence.
- Complete employer pre-approval forms.
Application Process:
Interested individuals can apply by visiting any of Xtenda Zambia's branches across the country. The head office is located at Mambilima House, Kabelenga Road, P.O. Box 51499, Ridgeway, Lusaka.
Contact Information:
Phone: +260 211 220 752
Email: info@xtendafin.co.zm
Website: https://xtendafin.co.zm
Xtenda Zambia is committed to providing simple and trusted lending solutions to government and quasi-government employees, ensuring financial assistance is accessible and tailored to individual needs.
Spectrum credit loans for civil servants
Spectrum Credit Limited is a microfinance institution in Zambia, focusing on providing financial solutions to individuals, particularly civil servants. The company emphasizes customer-centric services and aims to redefine the financial industry by impacting lives positively.
Loan Products:
- Civil Servant Loans:
- Eligibility: Tailored for all civil servants in Zambia.
- Disbursement: Once a loan is appraised and approved, funds are disbursed within 24 hours via bank transfer.
Application Process:
Interested applicants can visit Spectrum Credit's office to initiate the loan application process.
Contact Information:
- Address: 917 Ntoyo Road, Woodlands, Lusaka
- Phone: +260 211 260 252
- Email: online@spectrumcredit.co.zm
- Website: spectrumcreditltd.com
For more details, including terms and conditions, visit Spectrum Credit's official website or contact their office directly.
Please note: Borrowing more than you can afford to repay can lead to severe financial difficulties. Ensure you understand the terms and conditions before applying.Related: Salary advance loans
