Updated September 28, 2026 · BorrowCue Editorial Team
Commercial Bank CBclick vs Izwe Zambia
What sets them apart
| Compare |  Commercial Bank CBclick |  Izwe Zambia |
|---|---|---|
| Loan amount | QAR 400,000 to QAR 2,000,000 | ZMW 150,000 |
| Term | 48 to 72 monthsHigher | 60 months |
| Arrangement fee | 0 QAR | 0 ZMW |
| Free early repayment | YesHas it | No |
| Eligibility | Qataris and expats in Qatar with a salary transfer; QID, valid passport for expats and a salary transfer letter required | Permanently employed Zambian government employees, Zambia Air Force (ZAF) and Zambia National Service (ZNS), plus private sector employees; salary advances require banking with Absa, Atlas Mara, Indo, Natsave or Zanaco |
| Loan types | Personal | Personal, Payday, Cash advance, Secured, Car, BusinessCovers more |
| Funding time | Not confirmed | Within 24 hours of approval, paid via EFT |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender).
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Key differences
- Founded is lower at Commercial Bank CBclick: 1974 vs 2008.
- Free early repayment: only Commercial Bank CBclick.
- Term is higher at Commercial Bank CBclick: 48 to 72 months vs 60 months.
- Support channels: only Izwe Zambia offers Email, Help centre, Chat.
- Loan types: only Izwe Zambia offers Payday, Cash advance, Secured.
Our verdict on each
Commercial Bank CBclick
Commercial Bank CBclick suits salaried residents of Qatar who can transfer salary to the bank and want a large personal loan rather than a small one. Borrowing runs QAR 400,000 to QAR 2,000,000 over 48 to 72, early repayment is free, and the origination fee is 0 QAR.
Izwe Zambia
Izwe Zambia lends directly in Zambia, with personal loans up to ZMW 150,000 on fixed rates. It suits permanently employed government, Air Force, National Service and private sector staff, and money lands Within 24 hours of approval, paid via EFT.
Score breakdown
| Area | Commercial Bank CBclick | Izwe Zambia |
|---|---|---|
| Cost | 9.2Higher | 8.9Arrangement fee 0 ZMW and product fee ZMW 0 on personal loans, with fixed pricing fixed. |
| Offer | 8.9 | 9.8Higher |
| Trust | 9.4Higher | 9.1 |
Pick Commercial Bank CBclick if, pick Izwe Zambia if
Pick Commercial Bank CBclick if cost, trust, term, and free early repayment matter most.
Pick Izwe Zambia if offer and loan types matter most.
Where they rank in our lists
| Ranking | Commercial Bank CBclick | Izwe Zambia |
|---|---|---|
| Personal loans | 395 of 1932 | 418 of 1932 |
| Mortgages | 110 of 719 | 122 of 719 |
| Equity release | 4 of 32 | 5 of 32 |
What each covers
| Loan types | Commercial Bank CBclick | Izwe Zambia |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Cash advance | No | Yes |
Sources behind this comparison
Commercial Bank CBclick
- cbq.com.qa: 11 facts, checked September 26, 2026
Izwe Zambia
- izwezambia.com: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Commercial Bank CBclick | Izwe Zambia |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | The Commercial Bank (P.S.Q.C) | Izwe Loans Zambia PLC |
| Headquarters | Qatar | Zambia |
| Founded | 1974Lower | 2008 |
| Support channels | Phone | Email, Phone, Help centre, ChatCovers more |
Mortgages
| Fact | Commercial Bank CBclick | Izwe Zambia |
|---|---|---|
| Initial rate | 3.45% | Not confirmed |
| Fixed period | Not confirmed | 5 years |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | Not confirmed | ZMW 0 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity releaseCovers more | Equity release |
Where each stands against the rest
| Fact | Commercial Bank CBclick | Izwe Zambia | Median |
|---|---|---|---|
| Term | 48 to 72 monthsabove the median | 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Commercial Bank CBclick
Pros
- Loan sizes of QAR 400,000 to QAR 2,000,000 are substantial, with repayment terms of 48 to 72.
- Early repayment is free, so clearing the balance sooner adds no charge.
- The origination fee on a new personal loan is 0 QAR.
Cons
- Support runs on phone only, so there is no listed chat or email route.
- The lending is personal only, so there is no credit line or debt consolidation product here.
- Every applicant needs a salary transfer, a QID and, for expats, a valid passport, which narrows who can qualify.
Izwe Zambia
Pros
- Arrangement fee 0 ZMW and product fee ZMW 0 on personal loans, so no upfront charge to weigh
- Direct lender direct lender under the Bank of Zambia, with the legal entity Izwe Loans Zambia PLC
- Funding Within 24 hours of approval, paid via EFT, and same day funding same day funding is listed on personal loans
Cons
- Free early repayment is no, so settling the loan early carries a cost
- Eligibility is narrow: permanently employed government, ZAF and ZNS staff plus private sector employees
- Salary advances need banking with Absa, Atlas Mara, Indo, Natsave or Zanaco
Who each suits
Commercial Bank CBclick
Who it suits
- Borrowers after a large one-off sum repaid over a long term rather than a small top-up.
- Homebuyers, movers and first-time buyers, since its mortgage book covers purchase, remortgage and first time buyer with a maximum loan to value of 80%.
Who should look elsewhere
- Monzo Flex, if you want sterling borrowing of £10,000 to £35,000 rather than a salary-transfer loan in Qatar.
- Cashspace, if the sum you need sits near PHP 500 to PHP 25,000 instead of the QAR 400,000 to QAR 2,000,000 range here.
- Cashspace ES, if a euro loan of €100 to €5,000 is the better fit for you.
Izwe Zambia
Who it suits
- Borrowers after personal, payday, cash advance, secured, car or business lending, personal, payday and cash advance
- People who want the money paid into their bank account by EFT, Within 24 hours of approval, paid via EFT
Who should look elsewhere
- Self-employed or contract workers outside the listed employers
- Anyone planning to repay early, since free early repayment is no
- Borrowers needing loan types outside personal, payday and cash advance
Country by country
| Country | Commercial Bank CBclick | Izwe Zambia |
|---|---|---|
| Qatar | Yes | No |
| Zambia | No | Yes |
Questions about each
Commercial Bank CBclick
What does a Commercial Bank CBclick personal loan cost?+
The origination fee on a new personal loan is 0 QAR, so the setup charge is the main published fee. Mortgage campaigns are marketed at an initial rate of 3.45%. Because early repayment is free, settling the balance ahead of schedule does not add a charge either.
How much can I borrow and over what term?+
Personal loans run QAR 400,000 to QAR 2,000,000 and are repaid over 48 to 72, a long term on a single lump sum. The lower end sits well above the €114.37 recorded for personal loans across the site, so this targets larger sums than a typical personal loan.
Izwe Zambia
What does Izwe Zambia charge in fees?+
On personal loans the arrangement fee is 0 ZMW and the product fee is ZMW 0. Interest is charged on a fixed rate, fixed, so your repayments do not move with the market. Repaying early is not free, so the cost of settling up front is worth checking before you apply.
How much can I borrow and for how long?+
Loans run up to ZMW 150,000, over a term of 60. The range covers personal, payday, cash advance, secured, car and business lending, personal, payday and cash advance. The personal loan pages also list home improvement as a use, home improvement, and landed property borrowing is an equity release product, equity release.
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