As a civil servant in Zambia getting a loan maybe the solution to some financial concerns. People build houses and own properties using the civil servants loans. Could it be the best option for you? 

Civil Servants Loans Zambia

Our advise on loans is based on expert financial reviews about how loans can help government workers improve their lives.

Here are some of the top loan options for civil servants in Zambia, designed to meet different needs and preferences:

 1. Public Service Micro‑Finance Company (PSMFC)

  • Personal Loans: K5,000–K50,000 over up to 60 months at just 5% p.a., deducted directly from payroll 
  • Motor Vehicle Scheme: Finance vehicles duty‑free over 84 months at 15% p.a. with no deposit 
  • Short-Term Cash Loans: Up to K150,000 for emergencies (interest ~10%) repaid within 6 months 
  • Why it stands out: Lowest interest rates available, salary deductions simplify repayment.

2. Zanaco – Salary‑Backed Loans

  • Premier Loan: Up to K500,000 with 6–72 month terms; K5,000 minimum, floating interest, no collateral 
  • Scheme Loan: Employer‑MOU based, up to K850,000, repaid via payroll, flexible interest tied to MOU
  • Advantages: Large limits, extended tenures, professional banking support.
  • They also offer home loans at low interest

3. VitPay Public Sector Loans

  • Loans between K300 and K5,000, lasting 1–6 months. Low rates, no collateral, repaid via salary sacrifice 
  • Ideal for: Quick bridge funding and very short-term needs.

4. Chimera Capital Finance

  • Civil Servant Loans: K1,500–K20,000, approved within 24 hrs, automated repayments 
  • Recommended for: Fast, mid-range funding without heavy paperwork.

5. Frontier Finance

  • Unsecured loans for civil servants up to K15,000, terms 3–36 months; fast online/WhatsApp application 
  • Benefits: Easy access and speedy disbursement.

6. Spectrum Credit

  • Civil servant facility from K2,000–K100,000 over 6–60 months, disbursed within 24 hrs 
  • Good for: Medium to high value loans with flexible repayment.

7. Express Credit Payroll Loans

  • Loans from K500–K300,000 with terms of 1–60 months. Exclusive partnerships with various government bodies (GRZ, NPA, Army, etc.)
  • Appealing to: Civil servants in covered institutions, especially needing higher amounts.

8. Doza Civil Servant Advance

  • Salary advances up to K30,000 with 20% p.m. interest on short-term (1-month) advance 
  • Best for: Very short-term needs—but keep an eye on high interest.

9. Unifi loans

  • Eligibility: Must be formally employed with salary paid into a bank account
  • Loan Amounts: From as low as K250 up to K30,000; alternative sources suggest up to K100,000 for longer‑tenor loans 
  • Repayment Terms: Flexible durations typically between 1 to 7 months
  • Location: Many branches in Lusaka and Ndola

10 Lupiya 

  • Best for civil servants in all ministries.
  • Repayment is done from months to years of upto 5 years.
  • Loan amounts ranges from K3000 to K50,000
  • They are found in major cities of Zambia. You can also apply online

11. Instant mobile loans

  • Civil servants can access instant mobile loans from Biu and Zamloan. 
  • Amount ranging from k250 to k5000 for Biu and upto K100,000 for Zamloan
  • Download app and access loan

Summary

At ZamChat Loans we only provide approved information for our people. Therefore, the money lenders mentioned in this post are endorsed to offer financial services by the bank of Zambia.

Related: Top loans apps In Zambia