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Zambia's loan comparison platform

Compare the best loans in Zambia — fast, free, and secure

Find personal, payday, salary, and business loans from trusted lenders across Zambia. Compare rates side by side and apply in minutes — at no cost to you.

Find a loan in 2 minutes
🇿🇲 100% Zambian-focused 🔒 Your data stays private ✅ No hidden fees ⚡ Compare in under 2 minutes
Compare offers

Compare loan offers in Zambia

Real rates and terms from licensed lenders operating in Zambia. Filter by loan type or amount, or click a column to sort — then apply directly with the lender of your choice.

Lender Loan amount Rate Approval Repayment

Rates and terms are provided by lenders and may change without notice. Where a lender has not published a clear interest rate, this is noted above — always confirm the full cost of borrowing directly with the lender before signing any agreement. LoansInZambia is a comparison platform, not a lender. We don't charge fees and don't guarantee loan approval.

Full directory

Browse trusted lenders in Zambia

Every lender listed here has been reviewed for transparency in their published terms. Browse by category, then visit a lender directly when you're ready to apply.

Quick & mobile loans
Zamcash
K100 – K2,000 · Approval in minutes (mobile)
Repayment: 14–30 days
K25 fee + variable — confirm before applying
Apply now
BiuMoney
K100 – K5,000 · Minutes to same day
Rate: ~8%–25% · Repayment: Days–30 days
Apply now
PowerKwacha
K100 – K5,000 · Minutes–hours (app)
Rate: ~10.95%–27.98% APR · Repayment: 91–120 days
Get the app
Mwachangu
K100 – K5,000 · Minutes (app)
Rate: ~19%–31% annual + fees · Repayment: 90–180 days
Apply now
PremierCredit
K300 – K5,000 · Minutes (app)
Repayment: 7–30 days
Rate not disclosed — confirm before applying
Apply now
Rapid Loan Pro
K100 – K5,000 · Minutes–hours
Repayment: Short-term (app)
Rate not disclosed — confirm before applying
Apply now
FairMoney
K100 – K150,000 · Instant (app)
Repayment: Usually up to 1 month
Apply now
Personal & salary-backed loans
Zamloan
K5,000 – K50,000 · ~1 hour (marketing claim)
Repayment: Up to 12 months
Rate not disclosed — confirm before applying
Apply now
ExpressCredit
K1,500 – K30,000 · Hours–days (branch)
Rate: 7%–17% APR · Repayment: 6–60 months
Apply now
Unifi (Unifi.credit)
K500 – K20,000 · Fast prequalify; branch for large
Repayment: Salary-cycle / monthly
Apply now
Bayport Zambia
K1,000 – K200,000 · 24–48 hours
Rate: ~24%–36% APR · Repayment: Up to 60 months
Apply now
GS Cash Advance
K500 – K10,000 · Quick for MOU clients
Repayment: 1–6 months
Rate not disclosed — confirm before applying
Apply now
Izwe Loans
K1,000 – K250,000 · 24–48 hours
Repayment: 12–60 months
Rate not disclosed — confirm before applying
Apply now
Lupiya
K100 – K250,000 · ≤48 hours
Rate: ~2.5%/month (≈30% APR) · Repayment: 62 days–60 months
Apply now
Banks
AB Bank Zambia
K500 – K500,000 · 1–5 days
Rate: ~3%–5%/month · Repayment: 3–36 months
Apply now
Absa Bank Zambia
K1,000 – K850,000 · 48 hrs (existing customers)
Rate: ~23%–27% APR · Repayment: 3–84 months
Apply now
Access Bank Zambia
K10,000 – K1,000,000 · 2–5 days
Rate: ~24% APR · Repayment: Up to 72 months
Apply now
FNB Zambia
K1,000 – K450,000 · 24–72 hrs
Rate: ~15%–26% p.a. · Repayment: 6–72 months
Apply now
Stanbic Bank Zambia
K1,000 – K500,000 · 48 hrs–1 week
Rate: ~21%–25% APR · Repayment: 6–72 months
Apply now
Indo Zambia Bank
K500 – K300,000 · 3–5 days
Rate: ~23%–26% APR · Repayment: 6–36 months
Apply now
Zanaco
K1,000 – K850,000 · 48 hrs–1 week
Rate: Floating, BOZ-linked + fees · Repayment: 3–72 months
Apply now
NATSAVE Bank
K500 – K50,000 · 3–7 days
Rate: ~3%–4%/month · Repayment: 3–24 months
Apply now
Ecobank Zambia
K500 – K300,000 · 2–5 days
Rate: ~21%–26% APR · Repayment: 6–60 months
Apply now
First Capital Bank
K500 – K250,000 · 3–5 days
Rate: ~23% APR · Repayment: 6–60 months
Apply now
Microfinance & group loans
VisionFund Zambia
K100 – K50,000 · Days–weeks (field officers)
Repayment: Weekly/monthly cycles
Apply now
The process

How LoansInZambia works

No middlemen, no hidden steps. You compare, you choose, you apply straight with the lender.

Step 1
Tell us what you need
Pick the type of loan and how much you are looking for, using the quick filter at the top of the page.
Step 2
Compare real offers
See rates, repayment periods and how fast each lender approves, all side by side so you can see what actually suits you.
Step 3
Apply with the lender
Click Apply and you go straight to that lender. We do not collect your details and we are not part of the approval process.
Step 4
Get your money
Once the lender approves you, the funds come from them, often the same day depending on which one you chose.
Why we built this

Why Zambians trust us

Borrowing money in Zambia should not feel like guesswork. Too many people only find out the real cost of a loan after they have already signed for it. LoansInZambia exists so you can see the terms first, before you commit to anything.

We do not lend money ourselves and we never charge you a single kwacha to compare or to apply. Every lender on this site has been checked for how clearly they publish their rates and terms. Where a lender has not made their rate public, we tell you plainly instead of guessing or hiding it from you.

We are not a bank or a registered financial institution. LoansInZambia is an independent platform that helps you compare what is already out there. The lenders listed here are responsible for their own approval decisions, their own terms and their own regulatory compliance.

🔒 Your information is never sold
🆓 Always free to compare
📋 Every lender reviewed before listing
🇿🇲 Built in Zambia, for Zambians
Common questions

Frequently asked questions about loans in Zambia

Most lenders want you to be at least 18 years old, have a valid NRC and show that you have some steady income coming in, whether that is a salary, a pension or a business you run. Some of them will lend to you without asking for collateral, depending on how much you want to borrow and which lender it is.
You will usually need your NRC, proof that money is coming in such as a payslip or bank statement, and sometimes proof of where you stay. What exactly they ask for depends on the lender, so check the specific lender's page before you start an application.
They can be, as long as you are borrowing from a lender that is upfront about its rates and terms. We only list lenders we have checked for transparency, but it is still worth confirming a lender's registration with the Bank of Zambia yourself before you hand over any personal or financial details.
It depends on the lender and the type of loan. Mobile loans and salary advances are often approved within a few hours. Personal loans and business loans through a bank usually take longer, sometimes a few days, because there is more paperwork to check.
Often yes. A number of lenders give better rates or higher loan amounts to civil servants and other salaried government workers because their income is seen as more predictable. Compare a few lender profiles to see who offers something specific for government employees.
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