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Izwe Zambia review

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

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Our verdict

Izwe Zambia suits permanently employed Zambian workers who want a fixed-rate personal loan or salary advance paid by EFT. Founded in 2008, it runs personal loans of ZMW 150,000 over a term of 60, and same day funding is one of its features.

Key facts

Best for
Employed Zambian borrowers after a fixed-rate personal loan or salary advance
Loan amount
ZMW 150,000↗
Term
60 months↗
Arrangement fee
0 ZMW↗
Funding time
Within 24 hours of approval, paid via EFT↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Permanently employed Zambian government employees, Zambia Air Force (ZAF) and Zambia National Service (ZNS), plus private sector employees; salary advances require banking with Absa, Atlas Mara, Indo, Natsave or Zanaco↗
Origination fee (%)
0%↗
Loan types
Personal, Payday, Cash-advance, Secured, Car, Business↗
Use cases
Home-improvement↗
Legal entity
Izwe Loans Zambia PLC↗
Headquarters
Zambia↗
Founded
2008↗
Support channels
Email, Phone, Help-centre, Chat↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
izwezambia.com

Mortgages

Fixed period
5 years↗
Product fee
ZMW 0↗
Purpose
Equity-release↗

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Personal loans run on a fixed rate, with a fixed rate structure.
  • Money arrives Within 24 hours of approval, paid via EFT.
  • Help runs on email, phone and help centre.
  • The product list covers personal, payday and cash advance.

Cons

  • Free early repayment is no, so settling a personal loan early comes at a cost.
  • Eligibility ties salary advances to banking with Absa, Atlas Mara, Indo, Natsave or Zanaco, which narrows who can take one out.
  • The 60 term runs longer than the 36 term most personal loans here run for.
Izwe Zambia

Ready to try Izwe Zambia?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Permanently employed Zambian public sector staff after a fixed-rate personal loan
  • Zambia Air Force and Zambia National Service members needing a short salary advance
  • Private sector employees who bank with Absa, Atlas Mara, Indo, Natsave or Zanaco

Who should look elsewhere

  • Borrowers who want to repay early at no cost, since free early repayment is no.
  • Applicants who bank elsewhere, since a salary advance depends on the named banks.
  • Borrowers in other markets, since Creduma ES lends from €12,000 outside Zambia.

How Izwe Zambia compares

Where Izwe Zambia 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

What kinds of loans does Izwe Zambia offer?+

Loan types run to personal, payday and cash advance. Personal loans are priced on a fixed rate and a fixed rate model, so the rate is set when the agreement starts and stays there for the life of the loan.

How much can I borrow, and over what term?+

Personal loans run to ZMW 150,000 with a repayment term of 60, and the rate holds for 5. Payday and cash advance loans appear in the same personal, payday and cash advance list under their own terms.

What fees are charged on a personal loan?+

The origination fee is 0 ZMW and the product fee ZMW 0, and the origination fee percentage is 0%. Interest on the outstanding balance is the main ongoing cost once the loan is running.

Is the rate fixed or variable?+

Personal loans sit on a fixed rate, listed under a fixed rate model, and the rate holds for 5. That keeps the monthly payment predictable once the agreement is signed for the full repayment period.

How quickly do I get the money?+

Disbursement is Within 24 hours of approval, paid via EFT, and same day funding is listed among the product features. The payout runs into a nominated bank account rather than paying out in cash, so an account is needed to receive it.

Who can apply for an Izwe Zambia loan?+

Applicants need a permanent job. Public sector staff, Zambia Air Force and Zambia National Service members, and private sector workers can all apply, and the lending entity is Izwe Loans Zambia PLC. A salary advance is also limited to people who bank with one of the named banks: Absa, Atlas Mara, Indo, Natsave or Zanaco.

Who regulates Izwe Zambia and how do I get help?+

The Bank of Zambia is the regulator listed for the lender, and the contracting entity is Izwe Loans Zambia PLC. Support runs on email, phone and help centre, so a borrower can reach the team by phone, email, chat or through the help centre.

What can I use the money for?+

Personal loans are aimed at home improvement. The property side of the business covers equity release, where money released against a home tops up what you already own rather than paying for a new purchase.

Sources

  • izwezambia.com/faqs checked September 26, 2026

    Backs: Loan amount, Eligibility, Fixed period, Founded, Free early repayment, Funding time, Lender type, Loan types, Term, Licences

    “Izwe offers loans up to K 150,000 with up to 60 months (5 years) to repay.”

  • izwezambia.com/for-you/loans/personal-loans checked September 26, 2026

    Backs: Features, Pricing model, Arrangement fee, Origination fee (%), Product fee, Rate type, Use cases

    “Instant payments on successful applications, choose your repayment terms”

  • izwezambia.com/landed-property checked September 26, 2026

    Backs: Purpose

    “Landed Property Loan: A term loan product where the security for the loan is a property owned by the borrower. Available to business entities and individuals.”

  • izwezambia.com/terms-conditions checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “its principal place of business at Lubuto House, Lubuto Road, Rhodespark, Lusaka, Zambia”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

Izwe Zambia

Izwe Zambia

Employed Zambian borrowers after a fixed-rate personal loan or salary advance

9.2/10See alternatives