AI Native Neobank
Money without friction.
Rated 4.5 by 100+ borrowers
K1M+
disbursed in loans
Calculate your loan
Live estimateOver how many months?
What kind of loan?
Representative estimate. Final rate depends on your credit profile.
No hidden fees
One transparent service fee. What you see in the calculator is what you pay.
Same-day payout
Approved funds hit your mobile money or bank account within hours, not days.
No collateral needed
Most personal loans and salary advances need no security — just apply and get a decision.
Our loans
One loan for every goal you have.
Personal loan
K5K – 1M
School fees, rent, medical bills or any emergency. No collateral for most loans, a decision in minutes, and rates from 2.5% a month.
Salary advance
Up to 50% of payDraw part of your salary before payday, repay automatically.
Business loan
K10K – 1MStock up, expand or bridge cash flow for your enterprise.
Agri loan
K5K – 500KFinance seeds, fertiliser and tools ahead of the season.
Civil servant loan
K10K – 1MSpecial low rates for public servants, repaid from your salary.
How it works
A loan in three simple steps.
Apply in minutes
Pick your amount and term in the app or right here. A few details and your ID are all we need.
Get approved fast
Our engine scores your application instantly — most people get a decision in under five minutes.
Money the same day
Approved funds land straight in your mobile money or bank account. Repay on a schedule that fits.
Your loan and your money, one app
Get your loan disbursed straight to your free ChamaFinance wallet or mobile money. Track your balance, make repayments and top up anytime — all without hidden fees.
Apply for a loan
Repay without the paybill hassle
No more long paybill numbers. Repay your loan straight from the app or mobile money in a couple of taps.
Get your cash instantly
Approved loans hit your mobile money or bank account the same day — no queues, no paperwork, no waiting.
Support
Questions? We've got answers.
Can't find what you're looking for? Chat to our team on WhatsApp — we reply fast.
How fast can I get a loan?
Most loans are approved in under five minutes. Once approved, funds are sent to your mobile money or bank account the same day.
What is the longest repayment period?
You can spread repayment over up to 36 months. Shorter terms carry less interest overall — the calculator shows you the trade-off instantly.
Do I need collateral or a guarantor?
Most personal loans and salary advances need no collateral. Larger business or asset-backed loans may require security, which we always explain up front.
Can I repay my loan early?
Yes. You can clear your balance before the due date at any time, with no early-repayment penalty.
Who can borrow with ChamaFinance?
Any Zambian aged 18 or older with a valid national ID and a mobile money or bank account. Whether you're employed, self-employed or running a business, you can apply in minutes.
