welcome to zambou Finance
Our Loans will Make Your
Dreams Come True
We pride ourselves on our commitment to finding creative and effective ways for clients to access short-term financing. We understand that not every loan application conforms to conventional criteria, and thus, we adopt a flexible approach to credit appraisal, utilizing the available information provided by clients. At Zambou FinancialServices, we continuously seek innovative solutions to meet the diverse financing needs of our clients.
Personal Loans
Payroll Loans
Quick Loan Process
No Hidden Costs
What We’re Offering
our features
Client-Focused Solutions
We are committed to delivering exceptional financial services that meet the unique needs of both employers and employees.
Client Input Driven
We actively seek input from our clients to identify ways to enhance our service offerings.
Employer Collaboration
We collaborate with employers to ensure that the needs of their employees are effectively addressed.
Mobile Services
We offer mobile services to minimize costs for both employers and employees.
Strategic Alliances
We enrich the lives of our clients by granting access to a variety of products through our strategic alliances.
Operational Efficiency
We operate with efficiency to provide the best possible service to our clients.
how it works
Loan Application Process
I
KYC documents for applicant
II
Proof of regular income
III
6 months bank statements
IV
No adverse information on your CRB report
V
Security (landed property or motor vehicle)
1
MOU Signed
Employer agrees to facilitate Zambou loan deduction from payroll. Employer agrees to remit deduction schedule and payment to Zambou.
2
Employee Application
Copy of NRC, One (1) latest pay slip, Pre-approval document form HR/Finance
3
Zambou Review
Check that employee's pay is within MOU conditions. Credit reference Bureau check. Reconfirms employment status.
4
Loan Disbursement
Loan approved. Loan disbursed within 10 minutes for walk in clients and 24 hours for online applications.
5
Monthend Deduction Schedule
Zambou submits loan repayment schedule on agreed date. Employer uploads deductions on payroll.
6
Remittance Of Deductions
Employer transfers consolidated deductions with deduction schedule to Zambou. Zambou updates repayments on client's account.
company transparency
Our Core Values
We empower both unbanked and banked individuals, including those with formal employment, by providing financial resources and knowledge that enable them to take control of their financial futures and pursue their dreams.
Upholding the highest standards of integrity, honesty, and transparency, we earn the trust and confidence of our clients and stakeholders.
We foster innovation to deliver efficient financial services meeting diverse needs, while fulfilling our commitment to address poverty and promote sustainable development in the communities we serve.
FAQ
frequently Asked
Questions ?
What is Zambou Financial Services and what do you offer?
Zambou Financial Services Ltd is a microfinance institution founded in 2014. We provide accessible and flexible loan solutions tailored for low-income individuals in Zambia. Our primary products include:
- Payroll-Backed Loans: For employees of companies with a Memorandum of Understanding (MoU) with Zambou.
- Walk-in-Client Loans: For individuals referred by a Zambou employee or any Authorised Zambou Agent based on trust and relationship.
We aim to empower our clients economically and socially through reliable financial support.
Zambou Financial Services Ltd – Enjoy a better life.
Who are your clients and where do you operate?
We serve individuals across Zambia, with physical offices in Kitwe and Ndola. We also support clients in other districts through electronic and online channels.
What is a Payroll-Backed Loan and who qualifies?
A Payroll-Backed Loan is offered to employees of partner companies. Repayments are automatically deducted from your salary by your employer.
Eligibility:
- Must be a full-time employee of a company with an MoU with Zambou
- Eligibility is assessed based on salary and employment history
How do I apply for a Payroll-Backed Loan?
You can apply:
- In person at any of our branch offices
- Through your HR department (if your company has an MoU with Zambou)
Our team will guide you through the application process and required documentation. Simply contact our marketing team on +260 967 641087, and you will be guided through every step.
How are Payroll-Backed Loans repaid?
Repayments are made through monthly salary deductions by your employer and are directly sent to Zambou Financial Services.
What is a Walk-in-Client Loan and who qualifies?
This loan is for individuals referred by a Zambou employee or any Authorized Zambou Agent. Approval is based on trust and the strength of the relationship with the referring staff member or authorized agent. Loan terms depend on this relationship and any provided financial documentation.
What documents are required to apply for a loan?
For Payroll-Backed Loans:
- NRC (National Registration Card)
- Proof of Income (Latest payslip)
- Employment confirmation letter
- Completed Loan Application Form (signed and stamped)
For Walk-in-Client Loans:
- NRC
- Proof of income
- Collateral declaration
- Employment confirmation letter
- Proof of Residence
- Completed Loan Application Form
- Passport-Sized Photos
- Guarantor Details
How long does loan processing take?
Loan processing is quick — usually between 10 to 30 minutes, depending on document completeness and verification time.
Are top-up loans available?
Yes. Top-up loans are available only for Payroll-Backed Loan clients, subject to a good repayment history and eligibility review.
What are your interest rates and fees?
- Interest Rate: 2% per annum
- Processing Fee: 20% (one-time charge at loan processing)
- Administration Fees: 2% (one-time charge at loan processing)
How can I contact Zambou Financial Services?
Phone:
- +260 966 998 106
- +260 969 190 703
Email:
marketing@zamboufinance.com.zm
Office Locations:
- Kitwe: Plot 1591 Kantanta Street, Investment House, Rooms 3, 4, and 5
- Ndola: Room 201, Mpandwa House, President Avenue
Social Media:
- Facebook: Zambou Financial Services
- LinkedIn: Zambou Financial Services
- WhatsApp: +260 966998106
testimonials
What Our Clients Say
Zambou has been the best lending institution for me, the loans are processed fast and the interest rates are very low. I have truly benefited so much since I was introduced to Zambou by my workmate. The loans have helped me with my school payments (Degree) and I'm graduating this July plus other transactions when I need money urgently. The repayment terms are very flexible and that has helped me never to default in my repayments. I'm so glad I found Zambou, I'm so not leaving! Here's to the next project, building my first house😊. Thankyou so much Zambou!
Deniece Phiri
Graduate Student
I've been a loyal customer of Zambou Financial Services for more than five years. Throughout this time, they have been instrumental in assisting me with obtaining micro loans at favorable interest rates for various purposes, such as building my first house and paying my children's school fees. The professionalism and customer service displayed by the team is truly exceptional. Each interaction I've had with them has been not only enjoyable but also highly efficient. I feel incredibly fortunate to have discovered a company as reliable as ZFS to fulfill all my financial requirements.
Mr. K Nsama
Long-term Client
Zambou Financial Services was incredibly supportive and resourceful when I took on a project and applied for a loan with them. They provided invaluable assistance in anticipating the potential challenges the project could encounter. It's rare to find lenders who are willing to go the extra mile in such a manner. They have been supportive and have indeed helped me enjoy better life.
O Chipunza
Project Developer
