ZamChat Loans is a Zambian loan explorer app that  helps you compare, understand, and choose the best loan options available in the country — all in one place.

We built this app to cut through the noise. Banks, fintechs, and micro-lenders all offer different terms, rates, and conditions. It’s confusing. ZamChat Loans makes it simple.


What We Do

  • Compare Loans: Side-by-side comparisons of interest rates, repayment periods, and fees from major Zambian lenders.
  • Smart Filters: Whether you’re salaried, self-employed, or running a business, find loans that fit your profile.
  • Transparent Info: No hidden terms. No fine print surprises. Just straight-up facts.
  • Updated Listings: We keep our data current so you’re not wasting time on expired offers.
  • Loan app: We provide latest information about loan mobile application with the best interest rates.

Our Target

Anyone in Zambia looking for a personal loan, salary advance, student loan, or small business financing — without the stress of visiting multiple lenders or guessing what’s best.


Why We Exist

Access to credit shouldn't be a gamble. We believe in financial clarity and informed choices. That’s why we built this platform — to give Zambians the power to borrow smarter.


Why Choose Us?

Getting a loan should be quick and stress-free. With  ZamChat Loans, you can make informed choices in minutes — not days.


Meet our Team

Here is our dedicated team to provide you with the best:

1. Mr. Josias Phiri

  • Position: CEO  
  • Qualifications: Holds Bachelor of ARTS In Psychology (UNZA) and Diploma in Clinical Medicine (Chainama college)
  • Experience: Blogger for 7 plus years at Je Phiri and currently working as a Clinician at Ministry of health.

2. Steven Banda

  • Position: Co-founder
  • Qualifications: Holds Diploma in business Administration (NIPA) and Certificate In Labor Law And Industrial Resolution (ZIALE)
  • Experience: Former loans officer at FINCA Zambia.


3. Edess Moonga

  • Position: Marketing executive officer
  • Qualifications: Holds a Diploma in Digital Marketing (ZIM)
  • Experience: Former loan officer at EFC Financial Services Zambia.



Get In Touch

We are located in Emmasdale along Vubu Road, Lusaka. For any queries kindly contact us on:

Email:  Info@zamchat.app

Phone: +260965532221

Message: Contact form