Disclaimer

Last updated: 20 June 2026

LoansInZambia.com is an information and comparison platform. We are not a bank, microfinance institution, or lender, and we do not give out loans ourselves. What we do is help you compare loan products from licensed lenders operating in Zambia, so you can make a more informed choice before you apply anywhere.

We don’t make lending decisions. Whether you get approved for a loan, how much you’re offered, what interest rate you pay, and what the repayment terms look like — all of that is decided by the individual lender, not by us. We don’t influence those decisions and we have no say in the outcome once you click through to apply.

Rates and terms change. We work hard to keep the information on this site accurate and up to date, but interest rates, fees, and loan terms are set by the lenders and can change at any time, sometimes without notice to us. Always confirm the actual rate, fees, and repayment schedule directly with the lender before you sign anything. Treat anything you see on this site as a starting point for comparison, not a guarantee.

This is not financial advice. Nothing on this website should be taken as personal financial, legal, or investment advice. We’re giving you general information to help you compare your options. Your financial situation is your own, and a loan that works well for someone else may not be the right fit for you. If you’re unsure whether borrowing makes sense for your circumstances, it’s worth speaking to a qualified financial advisor before committing.

Borrow responsibly. Loans are a real financial commitment. Missing repayments can hurt your credit record, lead to penalty charges, and in some cases result in legal action by the lender. Please only borrow what you can realistically afford to repay, and read the loan agreement in full before signing — including the fine print on fees, penalties, and early settlement terms.

We may earn a commission. Some of the lenders listed on this site pay us a referral fee if you apply through a link on our platform. This does not cost you anything extra, and it does not affect the rates or terms you’re offered. However, we believe in being upfront about it: it’s part of how we keep this site running and free to use.

We’re not liable for third-party actions. Once you leave our site to apply with a lender, you’re dealing directly with that lender, and your agreement is with them not with us. We aren’t responsible for any loss, damage, or dispute that arises from a transaction or interaction between you and a third-party lender listed on this site.

External links. Our site may link to lender websites or other third-party resources. We don’t control those sites and can’t vouch for their content, accuracy, or security. Visiting them is at your own discretion.

No guarantees. We make a genuine effort to verify that lenders listed here are operating legitimately in Zambia, but we can’t guarantee the accuracy, completeness, or current licensing status of every lender at every moment. If something looks off a rate that seems too good to be true, or a lender you can’t verify please get in touch with us so we can look into it.

If you have questions about this disclaimer or want to report something on the site that doesn’t look right, contact us at [email protected]