Lupiya Loans

Flexible Financial
Solutions Made to
Meet Your Needs

Here’s Why Thousands Choose Lupiya:

Easy to get:

Sign up and apply in just a few minutes.

Fast Approvals:

Loans approved in short time - no long waits.

No Surprises:

Fixed rates and clear repayment terms.
Apply

Choose from a variety of loan options

Instant Loan

Get K500 instantly and pay it back over 3 months.
Coming soon

Buy Now, Pay Later

Buy data, airtime, electricity, water, tv and more on credit.
Coming soon

Loans for Yango Drivers


Get money for car expenses like fuel top up, car maintenance.

Wallet Overdraft

Spend straight from your wallet even with zero balance.
Coming soon

Civil Servant Loans

Low interest loans for government workers.
Apply now >

Lupiya for Women

Special loans to help women grow their businesses.
Learn more >

Agri Loans

Supporting farmers with loans for seeds, equipment, or harvesting
Apply now >

Zambia Defence Forces

Tailored loans for our heroes in uniform.
Apply now >

Collateral-backed Loans

Have an asset? Use it to get a bigger loan with better rates.
Apply now >
See all loans

How Lupiya Loans Work

1. Sign Up for Free
Download the Lupiya app or sign up on our website.
‍
2. Choose a Loan
Pick the loan that works for you – quick cash, bills, or an overdraft

3. Get Approved Fast
We say YES in 5 minutes. No paperwork, no stress.

4. Repay Easily
Spread your payments over time with no hidden fees.
Get started

Get a loan in just 5 Minutes

Need a little extra cash? Lupiya’s instant loans have got you covered. Apply in minutes and get your money fast—no complicated processes or waiting around.
Download the app

Grow your business with Lupiya Bill Credit

Let your customers buy now and pay later. Partner with Lupiya and boost your sales.
Coming soon

What our customers are saying

Support

Got Questions? We can help

Everything you need to know about the product and billing. Can’t find the answer you’re looking for? Please chat to our team.
Contact Us
Is Lupiya regulated?
Lupiya is licensed by the Ministry of Finance in Zambia
What is the longest repayment period for your loans?
The longest tenure is 60 Months
What are the interest rate charges?
Consult with our loan officer via email or phone for we have different rates on our loans. Alternatively, you can also use the loan calculator. Get details on how to contact us on our website.
Minimum Tenure: 62 days  | Maximum Tenure: 60 months | Maximum APR: 40%
Representative Example of a K1,000,000 SME loan over 12 months:
INTEREST RATE
2.5%
LOAN VALUE
K1,000,000
LOAN TERM
12 Months
TOTAL AMOUNT
K1,169,845.52
MONTHLY REPAYMENT
K97,487.13
Lupiya is an award-winning, venture-backed fintech startup that provides online loans.
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CONTACT
Counting House, Suite 1, Thabo Mbeki Rd Lusaka | Zambia
info@lupiya.com
+260 761167020
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