Updated September 28, 2026 · BorrowCue Editorial Team
Exim Bank Djibouti vs Izwe Zambia
What sets them apart
| Compare |  Exim Bank Djibouti |  Izwe Zambia |
|---|---|---|
| Loan amount | up to DJF 300,000 | ZMW 150,000 |
| Term | 10 months | 60 monthsHigher |
| Funding time | Application response within 48h (Prete Scolaire) | Within 24 hours of approval, paid via EFT |
| Eligibility | Open to all eligible customers, no guarantor required; application form asks for NIDA, nationality and a current account (Compte Salaires, Compte Epargne or Diaspora Account) | 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, Student, Car, Cash advance, Secured | Personal, Payday, Cash advance, Secured, Car, Business |
| APR | 0% | Not confirmed |
| Arrangement fee | Not confirmed | 0 ZMW |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender).
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Key differences
- Exim Bank Djibouti scores higher overall: 9.3 vs 9.2.
- Founded is lower at Izwe Zambia: 2008 vs 2011.
- Term is higher at Izwe Zambia: 60 months vs 10 months.
- Support channels: only Izwe Zambia offers Chat.
- Loan types: only Exim Bank Djibouti offers Student.
- Loan types: only Izwe Zambia offers Payday, Business.
Our verdict on each
Exim Bank Djibouti
Exim Bank Djibouti suits borrowers in Djibouti who keep a salary, savings or Diaspora account and want personal, student, car, secured or cash advance lending straight from a bank. The student loan alone runs at an APR of 0%, which ranks it 1 on APR out of 350 brands compared here.
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 | Exim Bank Djibouti | Izwe Zambia |
|---|---|---|
| Cost | 9.9HigherStudent loan APR of 0%, ranking 1 on APR out of 350 brands, on a tight 10 month term. | 8.9Arrangement fee 0 ZMW and product fee ZMW 0 on personal loans, with fixed pricing fixed. |
| Offer | 9.1 | 9.8Higher |
| Trust | 9.0 | 9.1Higher |
Licences and countries
| Country | Exim Bank Djibouti | Izwe Zambia |
|---|---|---|
| Zambia | Not confirmed |
Additional countries for Exim Bank Djibouti: 1. Additional countries for Izwe Zambia: 1.
If neither fits
Sofkredit has term at 6 to 240 months, against 10 months for Exim Bank Djibouti and 60 months for Izwe Zambia.
Sofkredit reviewHow they place
| Ranking | Exim Bank Djibouti | Izwe Zambia |
|---|---|---|
| Personal loans | 322 of 1932 | 418 of 1932 |
| Secured loans | 60 of 472 | 101 of 472 |
| Car loans | 76 of 431 | 114 of 431 |
| Cash advance apps | 7 of 53 | 9 of 53 |
Every fact side by side
| Fact | Exim Bank Djibouti | Izwe Zambia |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Exim Bank Djibouti SA | Izwe Loans Zambia PLC |
| Headquarters | Djibouti | Zambia |
| Founded | 2011 | 2008Lower |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre, ChatCovers more |
Mortgages
| Fact | Exim Bank Djibouti | Izwe Zambia |
|---|---|---|
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | ZMW 0 |
| Purpose | Not confirmed | Equity release |
Where each stands against the rest
| Fact | Exim Bank Djibouti | Izwe Zambia | Median |
|---|---|---|---|
| APR | 0%lowest quarter | Not confirmed | 8.99% |
| Term | 10 monthslowest quarter | 60 monthsat the median | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Exim Bank Djibouti
Pros
- Student loan priced at an APR of 0%, ranking 1 on APR out of 350 brands compared.
- A direct lender offering personal, student and car rather than routing a request to a broker.
- Student loan applications get a response within Application response within 48h (Prete Scolaire).
Cons
- Repaying the student loan runs 10 months, well under the 60 upper end on this site.
- Applicants need a salary, savings or Diaspora account at the bank before a loan is considered.
- The student loan ceiling of up to DJF 300,000 is modest next to the €3,100.39 top end of the market.
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
Exim Bank Djibouti
Who it suits
- Existing salary, savings or Diaspora account holders in Djibouti who want to deal with the bank that lends the money.
- Students and families covering school costs who can manage a short repayment period.
- Readers shopping mainly on rate, since the student loan APR is the strongest number here.
Who should look elsewhere
- Borrowers who need longer than 10 months to repay: Monzo Flex is a personal loan lender to compare on term.
- Readers wanting a larger euro line rather than a Djibouti franc student loan: Cashspace ES lends €100 to €5,000.
- Borrowers who want a published rate band instead of a single number: Cashspace lists an APR of PHP 12 to PHP 36.
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 | Exim Bank Djibouti | Izwe Zambia |
|---|---|---|
| Djibouti | Yes | No |
| Zambia | No | Yes |
Questions about each
Exim Bank Djibouti
What does the student loan cost?+
The student loan is priced at an APR of 0%, and that figure decides what a borrower hands back in total. It ranks the bank 1 on APR among the 350 brands compared on the site, so the cost of this product sits at the cheap end of the field.
How much can I borrow on the student loan?+
The borrowing ceiling on the student loan is up to DJF 300,000. The personal, student and car list shows the same bank also offers personal, car, secured and cash advance loans, so ask which ceiling applies to the product you actually want rather than assuming it carries over.
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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