Lupiya review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For Zambians wanting borrowing and everyday payments in one app, Lupiya acts as a neobank with digital credit, payments and debit cards for individuals and small businesses. It brings personal, business and farming loans together with bills, transfers, card spending and lending between members through mobile access.
Key facts
Loans
- APR
- 40%↗
- Loan amount
- ZMW 500 to ZMW 250,000↗
- Term
- 2 to 60 months↗
- Funding time
- within 48 hours↗
- Representative example
- K1,000,000 SME loan over 12 months, 2.5% interest rate, total K1,169,845.52, monthly repayment K97,487.13↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- 18+, employed 6 months, valid NRC, KYC completed, consent to salary deductions↗
- Loan types
- Personal, Payday, Secured, Car, Business↗
- Pricing model
- Fixed rate
Savings
- Minimum deposit
- ZMW 500↗
- Access terms
- Fixed monthly installment repayments, early repayment without penalty↗
- Account kind
- Fixed↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Issues virtual and physical debit cards for online and offline shopping.
- Combines bill settlement, transfers and borrowing inside one mobile app.
- Provides dedicated loans for farmers, businesses, civil servants and drivers.
- Allows members to lend to creditworthy borrowers and build a portfolio.
Cons
- Focuses on Zambia, which limits usefulness outside that market.
- Centres access around its app, which requires a smartphone and data connection.
- Provides only virtual or physical debit cards without additional card ranges.
Who it suits
- Zambians who want loans and card payments together
- Small businesses seeking mobile credit and payment tools
- Farmers funding seeds and tools through an app
Who should look elsewhere
- People outside Zambia seeking everyday banking
- Shoppers wanting a standalone card without borrowing features
How Lupiya compares
Frequently asked questions
What is Lupiya?+
Lupiya is a neobank providing digital financial solutions for individuals and small businesses. It focuses on simple mobile access to credit, payments and banking services. Its platform is built around borrowing, paying and managing transactions together.
Who uses Lupiya loans?+
Lupiya serves civil servants, businesses, defence forces, farmers and Yango drivers in Zambia. Its loans cover personal needs, business growth and farming inputs such as seeds and tools. Bill credit for airtime, data and utilities is also part of the range.
Which cards does Lupiya offer?+
Lupiya offers virtual or physical debit cards for online and offline shopping. The cards include an overdraft feature and work for shopping and bill payments. Cards are ordered and managed through the Lupiya app.
How does the Lupiya app help with everyday money?+
The app handles bill settlement, transfers and borrowing in one place. Members can transfer to friends and family using the Lupiya tag and move funds to a Mobile Money wallet or bank account. It also supports airtime, data and utility credit.
Which company operates Lupiya?+
Lupiya is operated by Lupiya Financial Services Limited. (Source, checked September 26, 2026)
Where is Lupiya based?+
Lupiya is based in Zambia. (Source, checked September 26, 2026)
When was Lupiya founded?+
Lupiya was founded in 2016. (Source, checked September 26, 2026)
How can I contact Lupiya support?+
Lupiya offers support through Chat. (Source, checked September 26, 2026)
Sources
- lupiya.com checked September 26, 2026
Backs: Headquarters, Legal entity, Minimum deposit
“Counting House, Suite 1, Thabo Mbeki Rd Lusaka | Zambia”
- lupiya.com/loans checked September 26, 2026
Backs: APR, Lender type, Loan types, Representative example
“Minimum Tenure: 62 days | Maximum Tenure: 60 months | Maximum APR: 40%”
- lupiya.com/personal-loans checked September 26, 2026
Backs: Access terms, Account kind, Free early repayment, Funding time, Pricing model, Rate type, Term
“Repayments are made through fixed monthly installments, ensuring easy budgeting... You can repay your loan early without hidden penalties.”
- lupiya.com/personal-loans/civil-servant-loan checked September 26, 2026
Backs: Loan amount, Eligibility
“Borrow from ZMW 500 up to ZMW 250,000 based on your salary level”
- lupiya.com/about checked September 26, 2026
Backs: Founded
“Since our founding in 2016”
- lupiya.com/payments checked September 26, 2026
Backs: Card type, Features, Support channels
“Get a free virtual or physical debit card for online and in-store shopping”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.