Updated October 14, 2026 · BorrowCue Editorial Team
Izwe Zambia vs Taishin Bank
Izwe Zambia vs Taishin Bank: the differences
| Compare |  Izwe Zambia | Taishin Bank ReviewSee alternativesSee alternatives |
|---|---|---|
| Loan amount | ZMW 150,000 | NT$150,000 to NT$5,000,000 |
| Term | 60 months | 24 to 120 monthsHigher |
| Arrangement fee | 0 ZMW | NT$9,000 total related fees in the general credit loan APR example |
| Funding time | Within 24 hours of approval, paid via EFT | Funds available within 30 minutes after approval |
| Rate type | Fixed | Variable |
| 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 | ROC (Taiwan) nationals aged 20-60; full-time employees with 6 months' tenure and annual income of at least NT$300,000, or Taishin credit card holders of 6 months or more |
| Loan types | Personal, Payday, Cash advance, Secured, Car, BusinessCovers more | Personal |
| APR | Not confirmed | 4.12% to 16.39% |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | One-stage amortising credit loan, NT$300,000 for 5 years with a 12-period lock-in period, rate 2.88%-15% floating, total fees NT$9,000, total cost APR 4.12%-16.39% |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender), Free early repayment (No).
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Key differences
- Taishin Bank scores higher overall: 9.3 vs 9.2.
- Founded is lower at Taishin Bank: 1992 vs 2008.
- Term is higher at Taishin Bank: 24 to 120 months vs 60 months.
- Support channels: only Taishin Bank offers Community.
- Loan types: only Izwe Zambia offers Payday, Cash advance, Secured.
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.
Taishin Bank
Taishin Bank Taiwan offers general personal-credit products with online application, contract verification, document submission and status inquiry. The listed general criteria specify local nationals aged 20 to 60.
Score breakdown
| Area | Izwe Zambia | Taishin Bank |
|---|---|---|
| Cost | 8.9HigherArrangement fee 0 ZMW and product fee ZMW 0 on personal loans, with fixed pricing fixed. | 8.8 |
| Offer | 9.8 | 9.8 |
| Trust | 9.1 | 9.3Higher |
If neither fits
Sofkredit has term at 6 to 240 months, against 60 months for Izwe Zambia and 24 to 120 months for Taishin Bank.
Sofkredit reviewWhat we checked
Izwe Zambia
- izwezambia.com: 17 facts, checked September 26, 2026
Taishin Bank
- taishinbank.com.tw: 17 facts, checked September 26, 2026
How they place
| Ranking | Izwe Zambia | Taishin Bank |
|---|---|---|
| Personal loans | 435 of 1920 | 382 of 1920 |
| Mortgages | 125 of 716 | 99 of 716 |
| Equity release | 5 of 32 | 3 of 32 |
Every fact side by side
| Fact | Izwe Zambia | Taishin Bank |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Izwe Loans Zambia PLC | Taishin International Bank Co., Ltd. (Taishin Bank), Unified No. 86519539 |
| Headquarters | Zambia | Taiwan |
| Founded | 2008 | 1992Lower |
| Support channels | Email, Phone, Help centre, Chat | Phone, Email, Chat, Help centre, CommunityCovers more |
Mortgages
| Fact | Izwe Zambia | Taishin Bank |
|---|---|---|
| Initial rate | Not confirmed | 3% to 4.49% |
| APRC | Not confirmed | 3.04% to 4.55% |
| Fixed period | 5 years | 20 yearsHigher |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | ZMW 0 | NT$8,000 to NT$10,000 |
| Purpose | Equity release | Purchase, Remortgage, Home equity, Equity releaseCovers more |
Where each stands against the rest
| Fact | Izwe Zambia | Taishin Bank | Median |
|---|---|---|---|
| APR | Not confirmed | 4.12% to 16.39%lowest quarter | 8.99 |
| Term | 60 monthsat the median | 24 to 120 monthshighest quarter | 60 months |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1144 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
Taishin Bank
Pros
- General personal-credit product.
- Online application, contract verification, document submission and status inquiry.
Cons
- Additional employment and income criteria apply; the age and nationality criteria do not guarantee approval.
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
Taishin Bank
Who it suits
- Taiwan nationals aged 20 to 60 comparing Taishin personal-credit products and online application services.
Current offers
Taishin Bank
Current offer
Bonus
LG Mall 8-day promotion: 1,500 Taishin Points for NT$15,000 spend: 1,500 points
Limited 8-day promotion, spend of NT$15,000 or more; posted 2026/09/22 in Taishin offers
Source, checked September 26, 2026
Bonus
Taishin Pay+ new customer offer: Up to 19% discount plus 10% rebate
New Taishin Pay+ customers
Source, checked September 26, 2026
Country by country
| Country | Izwe Zambia | Taishin Bank |
|---|---|---|
| Taiwan | 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.
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.
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