HomeLoansIzwe Loans Zambia Interest Rates, How to Apply, and Repayment Schedule

Izwe Loans Zambia Interest Rates, How to Apply, and Repayment Schedule

Izwe Loans Zambia is a financial institution that provides:

  • Personal loans.
  • Business loans.
  • Salary advances (up to ZMW 3,500).
  • Other forms of financial assistance to the Zambian community.

Since its launch in 2008, the institution has helped more than 350,000 Zambians actualize their dreams through swift, available funding at the best interest rates on the market. It is further regulated by the Pensions and Insurance Authority, Securities Exchange Commission, and Lusaka Stock Exchange and has a legal license from the Bank of Zambia (BOZ).

Izwe loans

This is the review of Izwe Loans Zambia, where we cover every detail about the company, from how to apply (online and physically), its interest rates, repayment schedules, branches, job opportunities, customer care contacts, and many more. Let’s get started.

How to Apply for Izwe Loans Zambia

The application process for Izwe Loans Zambia is available on different fronts, and you can follow which is more convenient and easy for you. You can apply for Izwe Loans Zambia online, in person, on the phone, or via email. Let’s discuss each of them.

How to Apply Izwe Loans Online

Since Izwe loans work in a method in which each individual is assessed carefully before being matched to a certain loan option, you have to contact them and talk to a real person. In that case, you still need to talk to a representative even while applying online. First, visit the website, fill out the contact form with your name, email, and phone number, and wait for someone to get back to you soon.

How to Apply Via Email

Here, you can simply shoot an email to Izwe loans and get a swift response with further instructions. The contact email is info@izwezambia.com, and you can use the simple format below.

“Hi there, 

My name is [your name], and I’m looking to get a loan from Izwe for my [personal needs or business] and reaching out to know the necessary details and how to apply. My phone number is [your phone number].


[Your name]”

How to Apply on the Phone

While the phone number center might not be available on weekends and public holidays, this is another sure channel to apply for the Izwe Loans Zambia. Call the representatives on +260 (0) 762 434 218 or SMS the word Izwe to 4993 or dial the USSD *4993#.

How to Apply in Person (Offline)

If you’re the type that likes to go and see things for yourself, this application channel best fits you. You can walk into any Izwe loan branches in the country, and the customer care personnel will help you with every question and guide you on your application process. 

Essential Documents for the Loan Application [Izwe Loans Requirements]

Although loans are disbursed within 24 hours after approval, you need these documents to complete the application.

  1. Two recent passport-sized photos of yourself (original copies)
  2. A valid NRC/National Identity
  3. A bank account statement showing your salary in the past 2 months
  4. An employee number (for Civil Servants, Zambia National Service, and Zambia Air Force)
  5. An Employer’s letter of introduction and a signed pre-approval form
  6. Your recent 3 months’ salary slips.

Izwe Loans Zambia Interest Rates

As stated in the Izwe FAQ webpage, the interest rates are not fixed and can be significantly influenced by many factors. But for each loan request, the individual interest rate will be disclosed to you in both the pre-agreement document and the pre-printed payment schedule, and it is left to you to agree to the % and amount if it’s suitable for you or humbly decline the offer. 

Izwe Loans Calculator

There is no Izwe loans calculator available for the public to use. Only the institution’s finance team will know the interest rate of your loan offer after putting a lot of considerations and factors in place.

Izwe Loans Repayment Schedule

Unlike Zamcash and Biumoney where repayments can be made using MTN and Airtel Mobile money since Izwe loans Zambia works with your direct payroll, repayments are made through salary reduction. But in the case of outstanding installments, you’re responsible for their fulfilments and possible accumulated arrears.

Izwe Loans Branch Locations [And Head Office]

With branches constantly expanding, it’s necessary to find a branch closest to you as there are available offices at:

  1. Lusaka (Izwe Cairo Road Branch, Cairo Rd, First Floor, Farmer’s House 10101)
  2. Chinsali (Izwe Chinsali, Nambulumba Rd, Plot 1614)
  3. Chipata (Izwe Chipata, Mbanyane Area, Plot 4777, Zahabu Bakery)
  4. Choma (Izwe Choma, T1 Room #4, Copper’s Corner Business Park)
  5. Kabwe (Izwe Kabwe, T2 Room #9, Stacey Building)
  6. Livingstone ( Izwe Livingstone, T1 Shop 2, Konica Building, Plot 117)

Izwe Loans Zambia branches are also in locations like:

  • Kaoma
  • Kasama
  • Kawambwa
  • Kitwe
  • Rhodes Park
  • Mansa
  • Mazabuka
  • Mbala
  • Mkushi
  • Mongu
  • Monze
  • Mpika
  • Mufulira
  • Mumbwa
  • Mwinilunga
  • Nakonde
  • 10101
  • Ndola
  • Petauke
  • Solwezi

Use this tool to find the precise map locations of these above-listed branches and others near you.

Izwe Loans Zambia Contact Number [Customer Care]

The customer care team is available to answer all your queries and proffer solutions to issues you might have encountered. The Izwe Loans Zambia Contact Number is 0630 373 050, and the email address is info@izwezambia.com.

Izwe loans Zambia Jobs

Do you wish to work for Izwe Loans Zambia as a full-time employee passionate about customer service or become an Independent sales executive (ISE)? You are open to applying. First, create your CV, then send it to careers@izwezambia.com or ise@izwezambia.com for the ISE job or complete the form here.




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