Frequently Asked Questions

We serve employed individuals from various sectors including government employees, mining sector workers, ZESCO employees, NGO staff, agricultural sector employees, teachers, nurses, private sector employees, and small to medium enterprise (SME) owners. You must have a regular source of income and meet our basic eligibility criteria.

We offer two main types of loans:

• Payday Salary Advances: Quick short-term loans for salaried employees
• Short-Term Loans: Flexible loans with terms of 1-2 months

All our loans feature competitive interest rates and are designed to meet your immediate financial needs.

You can apply for a loan through three convenient methods:

• Walk-In: Visit any of our 28 branches across Zambia
• Online: Apply through our website using the online application form
• Mobile Phone: Contact us via phone for application assistance

Our application process is simple and designed for your convenience.

To apply for a loan, you'll typically need:

• Valid National Registration Card (NRC)
• Proof of employment (employment letter or payslip)
• Bank account details
• Contact information

Additional documents may be required depending on your employment sector and loan type.

We pride ourselves on quick approval times! Most loan applications are reviewed and approved on the same day, provided all required documents are submitted and verified. You'll receive notification of your approval status via phone call, SMS, or email.

We offer flexible disbursement options to suit your needs:

• Instant Cash: Collect cash from any of our branches
• Bank Transfer: Direct deposit to your bank account
• Mobile Money: Transfer to your mobile money wallet

You can choose the method that's most convenient for you during the application process.

We use two secure repayment methods:

• DDACC (Direct Debit Authority Collection): Automatic deduction from your bank account on the agreed date
• PMEC (Payroll Management and Employee Contributions): Direct deduction from your salary by your employer

These automated systems ensure you never miss a payment and maintain a good credit record.

Our short-term loans typically have repayment periods of 1-2 months. The specific terms, including the repayment schedule and interest rate, will be clearly explained and agreed upon before you sign the loan agreement. We believe in transparency and ensuring you understand all loan terms.

We offer competitive interest rates that vary depending on the loan type, amount, and repayment period. Our rates are in full compliance with Bank of Zambia regulations. Contact us or visit any of our branches for detailed rate information tailored to your specific loan requirements.

No! We believe in complete transparency. All fees, charges, and interest rates are clearly disclosed in your loan agreement before you sign. There are no hidden fees or surprise charges. What you see is what you pay.

We have 28 branches strategically located across all 10 provinces of Zambia, including major towns and cities. Visit our Branches Page to find the nearest branch to you, complete with addresses and contact information.

Our branches are open:

• Monday to Friday: 8:00 AM - 5:00 PM
• Saturday: 8:00 AM - 1:00 PM
• Sunday: Closed

Please note that operating hours may vary by branch. Contact your local branch for specific timing.