Izwe Zambia review

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

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Our verdict

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.

Key facts

Best for
Employed Zambian workers who want a fixed rate personal loan with no product fee and quick EFT payout.
Loan amount
ZMW 150,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Arrangement fee
0 ZMW (Source, checked September 26, 2026)
Funding time
Within 24 hours of approval, paid via EFT (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
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 (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday, Cash-advance, Secured, Car, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Izwe Loans Zambia PLC (Source, checked September 26, 2026)
Headquarters
Zambia (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
izwezambia.com

Mortgages

Fixed period
5 years (Source, checked September 26, 2026)
Product fee
ZMW 0 (Source, checked September 26, 2026)
Purpose
Equity-release (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Izwe Loans Zambia PLC (Source, checked September 26, 2026)
Headquarters
Zambia (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

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
  • Support runs on email, phone and help centre, and a 60 term is longer than most on the site

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
Izwe Zambia

Ready to try Izwe Zambia?

Scored 9.2 / 10 by BorrowCue.

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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

How your money is protected

Izwe Zambia is a direct lender, direct lender, lending as Izwe Loans Zambia PLC under the Bank of Zambia. Funds are paid in by EFT and paid out by EFT, Within 24 hours of approval, paid via EFT. Support runs on email, phone and help centre, so you can reach the team by email, phone, help centre or chat.

How Izwe Zambia compares

Where Izwe Zambia 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

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.

Who can apply?+

Permanently employed Zambian government employees qualify, along with Zambia Air Force and Zambia National Service staff and private sector employees. Salary advances are limited to people banking with Absa, Atlas Mara, Indo, Natsave or Zanaco. If you are self employed, you are outside the stated eligibility.

How quickly is the money paid out?+

Funding runs Within 24 hours of approval, paid via EFT, paid by EFT to your bank account. Same day funding is listed among the personal loan features, same day funding, so a decision made early in the day can reach you the same day.

Who regulates Izwe Zambia?+

The lender operates as Izwe Loans Zambia PLC and is supervised by the Bank of Zambia in Zambia. It lends as a direct lender, direct lender, rather than acting as a broker or a marketplace, so you deal with one company throughout the loan.

What happens if I want to repay the loan early?+

Free early repayment is no, so settling before the end of the 60 term is not free of charge. Plan for the full term and check the early settlement terms before you sign. If paying down sooner matters to you, this is the main cost to weigh.

What rate type does Izwe Zambia use?+

Pricing is fixed, fixed, and the lending model is a fixed rate, fixed rate. Your instalments stay the same for the length of the 60 term, which makes budgeting easier but leaves nothing to gain from falling rates during that time.

How can I get help if something goes wrong?+

Support runs on email, phone and help centre, so email, phone, help centre and chat are all available. The company has operated since 2008 and is based in Zambia, ZM, which means queries are handled by the same in country entity that lends the money.

Sources

  • izwezambia.com/faqs checked September 26, 2026

    Backs: Loan amount, Eligibility, Fixed period, Founded, Free early repayment, Funding time, Lender type, Loan types, Term, Licences

    “Izwe offers loans up to K 150,000 with up to 60 months (5 years) to repay.”

  • izwezambia.com/for-you/loans/personal-loans checked September 26, 2026

    Backs: Features, Pricing model, Arrangement fee, Origination fee (%), Product fee, Rate type, Use cases

    “Instant payments on successful applications, choose your repayment terms”

  • izwezambia.com/landed-property checked September 26, 2026

    Backs: Purpose

    “Landed Property Loan: A term loan product where the security for the loan is a property owned by the borrower. Available to business entities and individuals.”

  • izwezambia.com/terms-conditions checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “its principal place of business at Lubuto House, Lubuto Road, Rhodespark, Lusaka, Zambia”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

Izwe Zambia

Izwe Zambia

Employed Zambian workers who want a fixed rate personal loan with no product fee and quick EFT payout.

9.2/10See alternatives

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