Find the Best Loans in Zambia — Compare Rates, Terms & Providers
Go Zambia Loans is the most comprehensive directory of loan products in Zambia. Whether you're looking for a personal loan, civil servant loan, business loan, mortgage, agricultural loan, or emergency salary advance, we list every major Zambian lender with up-to-date information on interest rates, loan amounts, repayment terms, and eligibility requirements.
Loan Types Available in Zambia
Personal Loans: Unsecured loans from K500 to K850,000. Requires payslips and formal employment. Available from Zanaco, Stanbic, ABSA, Atlas Mara, Bayport, Izwe Loans, Madison Finance, Lupiya.
Civil Servant Loans: Special low-interest loans for government employees. Available from PSMFC (5% p.a.), Bayport, Lupiya. Payroll-deducted, no collateral needed.
Business Loans: SME and business financing from K10,000 to K2,000,000. Requires business registration, financial statements, and collateral. Available from Zanaco, Madison Finance, FINCA Zambia.
Mortgage Loans: Home loans from K100,000 to K5,000,000 with terms up to 25 years. Available from Zanaco and Stanbic.
Collateral Loans: Asset-backed loans with lower interest rates. Use property, vehicles, or GRZ bonds as collateral. Available from Lupiya, Zanaco, Atlas Mara.
No-Payslip Loans: Loans for self-employed and informal sector workers. No payslip or collateral needed. Available from Zamcash (via mobile money).
Education Loans: School fees financing from K5,000 to K200,000. Available from ABSA Zambia.
Agricultural Loans: Seasonal farming loans from K5,000 to K500,000 at subsidized rates. Available from Zanaco.
Vehicle Finance: Car and vehicle loans from K20,000 to K1,000,000. Available from Stanbic.
Zambian Lenders Listed
Zanaco · Stanbic · ABSA Zambia · Bayport Zambia · Izwe Loans · Madison Finance · Atlas Mara · PSMFC · Lupiya · Zamcash (Biu Capital) · FINCA Zambia
Coverage by Province
Lusaka · Copperbelt · Southern · Central · Eastern · Western · North-Western · Northern · Luapula · Muchinga
Disclaimer: This directory is for informational purposes only. Loan terms, interest rates, and eligibility criteria change. Always verify directly with the lender before applying. Last updated: July 2026.