BiuMoney review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BiuMoney lends directly to Zambian borrowers who want a small personal loan paid into mobile money the same day. The listed loan is ZMW 500 over a term of 14 to 30, and costs are set out in Loan of K500 repaid at K645 in 30 days.

Key facts

Best for
A small personal loan paid into a mobile money account the same day.
Loan amount
ZMW 500 (Source, checked September 26, 2026)
Term
14 to 30 months (Source, checked September 26, 2026)
Funding time
Mobile money received the same day (Source, checked September 26, 2026)
Representative example
Loan of K500 repaid at K645 in 30 days (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Biu Capital Limited (Source, checked September 26, 2026)
Headquarters
Zambia (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
biumoney.com

Pros and cons

Pros

  • Money arrives by mobile money the same day, as Mobile money received the same day and the same day funding listing both state
  • A direct lender rather than a broker, so the application and the decision run through direct lender
  • Costs are clear from a single worked example, Loan of K500 repaid at K645 in 30 days
  • Help is available on phone and email, so a borrower can reach the team by phone or by email

Cons

  • Support runs on phone and email only, with no branch or in-app messaging listed
  • The listed loan size tops out at ZMW 500, which is small beside larger personal loans
  • The term range of 14 to 30 is shorter than most personal loans allow
BiuMoney

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Zambian borrowers who need a small personal loan funded quickly
  • People who want the cash in mobile money rather than paid into a bank account
  • Applicants comfortable dealing with the lender directly rather than a broker

Who should look elsewhere

  • Anyone borrowing a large sum, since the listed amount is ZMW 500
  • Borrowers who need a long repayment period, as the term runs 14 to 30
  • Borrowers who want more than phone and email for support

Safety and regulation

BiuMoney lends as a direct lender, so the application and the decision sit with the same firm. The cost picture is set out in a single worked example, Loan of K500 repaid at K645 in 30 days, which is the clearest way to see what a loan costs in total. Bank of Zambia is the regulator listed for the country. Funding is quick, with money sent to mobile money the same day.

Who runs it

BiuMoney operates as Biu Capital Limited, based in Zambia, and has been running since it was founded in 2019. It offers personal loans and lends directly rather than through a broker. Customer service runs on phone and email, so a borrower can reach the team by phone or by email.

How BiuMoney compares

Where BiuMoney is available

Available
Zambia
Licence in Zambia
Bank of Zambia, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from BiuMoney?+

BiuMoney is listed at ZMW 500 for a personal loan, which is a small sum next to the bigger personal loans on the market. Anything larger than that sits outside what this lender shows.

How long do I have to repay?+

The term runs 14 to 30, which is a short window compared with many personal loans. Plan for a first repayment quickly after the money arrives, and check the schedule before you accept.

What will a BiuMoney loan cost?+

Costs are shown through a single worked example, Loan of K500 repaid at K645 in 30 days. That figure sets out the amount borrowed and the total repaid, so the cost of the loan is visible before you commit.

How quickly is the money paid out?+

Funding lands the same day, and the same day funding listing confirms it. The money reaches you as mobile money rather than a bank transfer, so keep your mobile money account ready and check the details before you accept.

Is BiuMoney regulated?+

BiuMoney is a direct lender operating under Bank of Zambia. Because it lends its own money, there is no third-party lender to deal with, and the regulator is the one named for the country.

Who do I deal with, and how do I get help?+

You deal with Biu Capital Limited, the company behind BiuMoney, and it lends to you directly rather than through a broker. Support runs on phone and email, so a call or an email reaches the team.

Is BiuMoney a good fit for a larger loan?+

Not really, because the listed amount is ZMW 500. Borrowers needing more should look at a lender such as Monzo Flex, which shows £10,000 to £35,000, or Cashspace at PHP 500 to PHP 25,000.

Sources

  • biumoney.com checked September 26, 2026

    Backs: Loan amount, Features, Funding time, Representative example, Term

    “Get a Loan For K500”

  • biumoney.com/User/UserCare checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type, Loan types, Support channels, Licences

    “We were incorporated in Zambia as a company limited by shares in 2019”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check.

Related by the facts

BiuMoney

BiuMoney

A small personal loan paid into a mobile money account the same day.

8.8/10See alternatives

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