Updated September 28, 2026 · BorrowCue Editorial Team
Izwe Zambia vs Super Finance Markets
Izwe Zambia vs Super Finance Markets: the differences
| Compare |  Izwe Zambia |  Super Finance Markets |
|---|---|---|
| Loan amount | ZMW 150,000 | A$100,000 to A$3,000,000 |
| Term | 60 monthsHigher | 3 to 24 months |
| Arrangement fee | 0 ZMW | 0 AUD (no application fee) |
| Funding time | Within 24 hours of approval, paid via EFT | Approval in 48 hours, funds disbursed in 10 business days |
| Loan types | Personal, Payday, Cash advance, Secured, Car, BusinessCovers more | Business, Secured |
| APR | Not confirmed | 0.6% to 0.85% |
| Credit check | Not confirmed | None |
| Free early repayment | No | Not confirmed |
| 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 | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- Izwe Zambia scores higher overall: 9.2 vs 9.0.
- Founded is lower at Izwe Zambia: 2008 vs 2018.
- Term is higher at Izwe Zambia: 60 months vs 3 to 24 months.
- Support channels: only Izwe Zambia offers Help centre.
- Loan types: only Izwe Zambia offers Personal, Payday, Cash advance.
Our verdict on each
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.
Super Finance Markets
Super Finance Markets suits Australian borrowers who need secured or business lending and can manage a short term at a high stated cost of borrowing. It charges no application fee, but the rate of 0.6% to 0.85% means the repayment must be planned carefully, and any surplus on the deal is the borrower's own risk.
Score breakdown
| Area | Izwe Zambia | Super Finance Markets |
|---|---|---|
| Cost | 8.9Arrangement fee 0 ZMW and product fee ZMW 0 on personal loans, with fixed pricing fixed. | 9.7HigherAnnual cost of borrowing runs 0.6% to 0.85% with an application fee of 0 AUD (no application fee). |
| Offer | 9.8Higher | 8.5Purpose covers purchase, remortgage and equity release on fixed rates, with a term of 3 to 24 and no credit check. |
| Trust | 9.1Higher | 8.6 |
Choosing between them
Pick Izwe Zambia if offer, trust, term, and loan types matter most.
Pick Super Finance Markets if cost matter most.
Positions in our rankings
| Ranking | Izwe Zambia | Super Finance Markets |
|---|---|---|
| Secured loans | 101 of 472 | 223 of 472 |
| Mortgages | 122 of 719 | 268 of 719 |
| Business loans | 88 of 435 | 182 of 435 |
| Equity release | 5 of 32 | 15 of 32 |
Licences and countries
| Country | Izwe Zambia | Super Finance Markets |
|---|---|---|
| Australia | Not confirmed | |
| Zambia | Not confirmed |
Additional countries for Izwe Zambia: 1. Additional countries for Super Finance Markets: 1.
Every fact side by side
| Fact | Izwe Zambia | Super Finance Markets |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Izwe Loans Zambia PLC | Super Finance Markets Pty Ltd |
| Headquarters | Zambia | Australia |
| Founded | 2008Lower | 2018 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Chat, Phone |
Mortgages
| Fact | Izwe Zambia | Super Finance Markets |
|---|---|---|
| Initial rate | Not confirmed | 0.6% |
| Fixed period | 5 yearsHigher | 0.25 to 2 years |
| Maximum loan to value | Not confirmed | 75% |
| Product fee | ZMW 0 | A$0 |
| Purpose | Equity release | Purchase, Remortgage, Equity release, Home equityCovers more |
Where each stands against the rest
| Fact | Izwe Zambia | Super Finance Markets | Median |
|---|---|---|---|
| APR | Not confirmed | 0.6% to 0.85%lowest quarter | 8.99 |
| Term | 60 monthsat the median | 3 to 24 monthslowest quarter | 60 months |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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
Super Finance Markets
Pros
- No application fee at all, recorded as 0 AUD (no application fee)
- No credit check, and the lender caters to applicants with poor credit
- Fixed rates held for 0.25 to 2 keep the repayment predictable
Cons
- A cost of borrowing of 0.6% to 0.85% is high, so the monthly repayment needs checking against budget
- The term of 3 to 24 is short for a home loan
- The maximum loan to value of 75% sits below the 90% typical of the wider mortgage market
Who each suits
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
Super Finance Markets
Who it suits
- Borrowers in Australia whose credit file is in poor shape
- Businesses needing a short fixed term loan
- Anyone covering 75% with equity who wants no application fee
Who should look elsewhere
- First time buyers, since the term runs 3 to 24
- Long term borrowers put off by the rate of 0.6% to 0.85%
Country by country
| Country | Izwe Zambia | Super Finance Markets |
|---|---|---|
| Australia | No | Yes |
| Zambia | Yes | No |
Questions about each
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.
Super Finance Markets
What rate does Super Finance Markets charge?+
The cost of borrowing is 0.6% to 0.85%, and the initial rate is 0.6%. The 0.6% to 0.85% figure is the one to plan around, since it reflects the full cost of the credit rather than a headline offer. Payments sit on a fixed rate for 0.25 to 2.
Are there any fees to open the loan?+
The application fee is 0 AUD (no application fee), so nothing is charged for taking an application forward. There is also a product fee recorded on the same terms, which keeps the upfront cost minimal. The ongoing cost of borrowing of 0.6% to 0.85% is the part that shapes the repayment.
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