Compare the Best Loan Interest Rates in Zambia (2025)
Looking for the best loan deals in Zambia? Use the table below to compare current loan interest rates from top Zambian lenders. We show the latest interest rates, fees, approval times, and loan requirements to help you make smart financial decisions. Whether you need a personal loan or business loan, this tool helps you find low-interest loan options fast. All rates listed are for 2025 and updated regularly. Start comparing loan interest rates in Zambia now and choose the most affordable option for your needs. Some data taken from Bank of Zambia.
| Lender | Interest | Approval | Apply |
|---|---|---|---|
|
Zamloan |
Competitive |
1 Hr |
Apply |
|
6% 14 Days |
5 Min |
||
|
Competitive |
5 Min |
||
|
Powerkwacha |
10% |
Unspecified |
Apply |
|
Mwachangu |
19.45% & above |
Unspecified |
Apply |
|
2.5% & above |
48 Hrs |
||
|
Fairmoney |
24% & above |
5 Min |
Apply |
|
3.5 & above |
72 Hrs |
||
|
Lolc Finance |
Competitive |
24 Hrs |
Apply |
|
7% & above |
15 Min |
||
|
Primercredit |
Competitive |
24 Hrs |
Apply |
|
Bayport |
competitive |
72 Hrs |
Apply |
|
6% & above |
24 Hrs |
Banks interest rate, 2025
Disclaimer for Zambian Users:
The interest rates shown on this website are for general information only. These rates can change at any time and may be different from what lenders actually offer. The exact interest rate you get will depend on your loan amount, repayment period, credit history, and the lender’s current terms.
What Affects Interest Rates in Zambia:
Interest rates in Zambia are affected by many things, including:
- The Bank of Zambia’s policy rate
- Inflation levels
- The type of loan (personal, business, asset finance, etc.)
- Your credit record or repayment history
- The loan period (short or long term)
- The lender’s own rules and risk level
Always speak directly with a licensed lender to get the most accurate and updated rate based on your situation.