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BiuMoney review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BiuMoney is a Zambian direct lender for people who need a small personal loan paid into mobile money the same day it is approved. Borrowing is capped at ZMW 500 over terms of 14 to 30, so it suits short, urgent needs rather than larger or longer financed purchases.

Key facts

Best for
A small personal loan paid into mobile money the same day in Zambia.
Loan amount
ZMW 500↗
Term
14 to 30 months↗
Funding time
Mobile money received the same day↗
Representative example
Loan of K500 repaid at K645 in 30 days↗
Lender type
Direct lender↗
Loan types
Personal↗
Legal entity
Biu Capital Limited↗
Headquarters
Zambia↗
Founded
2019↗
Support channels
Phone, Email↗
Features
Same-day funding
Official website
biumoney.com

Facts checked September 26, 2026, 2 sources

Pros and cons

Pros

  • Money moves the same day: Mobile money received the same day
  • A direct lender operating since 2019, so one company carries the loan
  • Regulated by Bank of Zambia, with the lender named as Biu Capital Limited (Biu Capital Limited)

Cons

  • Borrowing is small and brief: ZMW 500 over terms of 14 to 30
  • Support runs on phone and email only
  • Its representative example is Loan of K500 repaid at K645 in 30 days, so the sum cleared is well above the sum borrowed
BiuMoney

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Zambians who need a small personal loan released to mobile money the same day (Mobile money received the same day)
  • People who prefer a direct lender (direct lender) and a single company to deal with
  • Borrowers who can clear the balance inside 14 to 30

Who should look elsewhere

  • Cashspace, which lends from PHP 500 to PHP 25,000, if you need to borrow more than ZMW 500
  • Creduma ES, where amounts start at from €12,000, for a larger euro facility
  • Sofkredit, which lends up to €12,000 to €300,000, if your borrowing needs run well past the small amounts here

Safety of your money

BiuMoney is a direct lender, direct lender, so the borrower deals with the same company that issues the loan rather than an intermediary. The published example is Loan of K500 repaid at K645 in 30 days, which shows the sum cleared over a short window. Bank of Zambia is the regulator named for the market.

How BiuMoney compares

Where BiuMoney is available

Available
Zambia
Licence in Zambia
Bank of Zambia, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from BiuMoney, and for how long?+

Loans start at ZMW 500 and run over terms of 14 to 30. That range suits a short gap such as an emergency bill or a month of expenses, not a large purchase. The published example, Loan of K500 repaid at K645 in 30 days, shows the scale of a typical repayment.

What do I actually pay back?+

The representative example is Loan of K500 repaid at K645 in 30 days, so the sum repaid sits above the sum borrowed over a short period. Because terms run only 14 to 30, the balance has to be cleared quickly, and that speed is the main thing to weigh before applying.

How quickly is the money sent?+

BiuMoney lists same-day funding as a headline feature, same day funding, and states that Mobile money received the same day. The money goes into a mobile money account rather than a bank transfer, so keep your mobile money provider active once a loan is approved.

Who runs BiuMoney, and which regulator oversees it?+

Lending is handled by Biu Capital Limited, Biu Capital Limited, which operates in Zambia. Bank of Zambia is the regulator named for the market, and the company has been lending since 2019. Checking those details before you apply is a sensible step.

How do I get help at BiuMoney?+

Support runs on phone and email, so questions go by phone or email rather than through a chat team. If you are mid-application or chasing a repayment, the phone line is the quicker of the two, and keeping your application reference to hand speeds things up.

What kind of loan is this?+

BiuMoney offers personal loans, personal, and acts as a direct lender, direct lender. The company you apply to is the company that carries the balance, so repayments and any question about them stay with one counterparty.

How common are losses on loans like these?+

Across the lenders SumCue lists, retail losses run 65.75% to 74.5%, with a median at 70.15%. Those figures describe the wider market rather than BiuMoney on its own, so the short 14 to 30 window is the thing to watch if a payment runs late.

How does BiuMoney compare with larger lenders?+

The ZMW 500 cap sits well below Cashspace at PHP 500 to PHP 25,000 and Sofkredit at €12,000 to €300,000, so those suit borrowing needs of a different scale. Creduma ES starts at from €12,000. The trade-off is speed, with money paid into mobile money the same day.

Sources

  • biumoney.com checked September 26, 2026

    Backs: Loan amount, Features, Funding time, Representative example, Term

    “Get a Loan For K500”

  • biumoney.com/User/UserCare checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type, Loan types, Support channels, Licences

    “We were incorporated in Zambia as a company limited by shares in 2019”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check.

Related by the facts

BiuMoney

BiuMoney

A small personal loan paid into mobile money the same day in Zambia.

8.9/10See alternatives