Having financial emergency and need a salary advance? Banks and microlenders have offers salary advance online with good terms. A good salary advance shouldn't come with a higher interest rate to disturb your future budgets.
Best salary advance providers for 2025
Here are several reputable salary-advance providers in Zambia, with key details to help you compare:
1. ZNBS (Zambia National Building Society)
- Salary Advance available if you hold a salary account with them.
- Repayment flexible from 1 to 12 months.
- Competitive rate of ~3.38% per month.
- Generally approved within 24 hours.
2. Zanaco – Salary Advance
- Bridge financing between paydays.
- Borrow between K1,000–K50,000 for up to 3 months.
- Floating interest tied to Bank of Zambia rate.
- Applies up to 40% of net salary × 3.
- Online application; requires 3 payslips & clean credit record.
3. First Alliance Bank
- Salary-backed loans via employer payroll MOU.
- Up to 60% of your net salary can be used for repayments.
4. Access Bank Zambia – Instant Salary Advance
- 0% interest!
- Loan term: 1–3 months via mobile banking (*801# or App).
- Single processing fee; includes credit-life cover.
5. Izwe Zambia – Salary Advance
- Up to K3,500 for civil servants banking with partner banks.
- Quick online approval; funds in under 24 hours.
- No lengthy paperwork.
6. Majesty Financial Services
- Loans for formally employed individuals (gov’t & private sector).
- Terms: 1–3 months; no collateral.
- Requires payslips, bank statements, employer intro letter.
7. Chimera Capital Finance
- Offers 1,500–50,000 ZMW to employees of MOU-partner companies.
- Approval within 24 hours; direct debit payroll repayment.
8. Starter Finance
- Salary advances without credit checks.
- Instant access; repay directly from upcoming pay.
- Located in Kitwe, Luanshya, Mufulira, Mazabuka.
9. GS Cash Advance
- Short-term (≤ 30-day) salary-based advances.
- No collateral; fast approval (~20 minutes).
- Requires ID, 2 payslips & 2 months bank statements.
10. MyBucks SALP
- K500–K10,000 for 1–3 months.
- Requires 3 months bank statements & payslips.
- Works with major banks like Zanaco, Absa, Access.
Online salary advances
- Here are top providers in Zambia that offer online salary advances—you can apply and receive funds digitally:
Zanaco Salary Advance
- Borrow K1,000–K50,000, repay over 1–3 months.
- Up to 40% of net salary × 3; floating interest tied to BoZ rate.
- Apply via their online loan portal—with payslips, clean CBR, employer confirmation
MyBucks SALP
- Loan amounts: K500–K10,000; terms 1–3 months.
- Requires 3 payslips, 3 months bank statements, identification.
- Works with Zanaco, ABSA, Access, Atlas Mara
Izwe Salary Advance
- Up to K3,500 for civil servants at partner banks (Zanaco, ABSA, Access, etc.).
- Instant online approval; funds in under 24 hrs
Chimera Capital Finance
- K1,500–K50,000, with 24-hour approval.
- Payroll-deducted repayment. Requires employer MOU
Majesty Financial Services
- Quick, flexible repayment up to 6 months.
- Borrow based on salary; submit basic docs from a branch (not fully online)
Kaspa Credit
- Borrow K200–K10,000; approved within 10 min–24 hrs.
- Repaid in one month; online application available
KPV Financial Services
- Payroll-backed for civil servants.
- Same-day approval and disbursement; branch & online-based
Tandiza Finance (Amahafu)
- Up to K50,000; 3-month payslips + proof of residence.
- Online branch form application; answer in 24 hrs
Trance Capital
- MoU-based payroll deduction; repay over 1–6 months at ~12% monthly.
- Funds disbursed within 24 hours
How to choose salary advance.
- Narrow your priorities — amount, speed, repayment method.
- Check detailed rates & online terms on each provider’s website/app.
- Use bank-backed providers with formal repayment via payroll or mobile channels for reliability.
- Avoid shady short-term apps—they often charge exorbitantly.
Related: Natsave salary advance
