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Civil Servant Loan
Affordable Loans for Civil Servants
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Explore Civil Service Loans
Lupiya’s Civil Service Loans provide affordable, salary-deducted financing tailored to Zambia’s government employees, offering predictable terms and stress-free repayment for essential needs.
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Benefits of Civil Service Loans
Low Interest Rates
Low interest and service fee, one of the most competitive rates on the market
Flexible Loan Amounts
Borrow from ZMW 500 up to ZMW 250,000 based on your salary level.
Direct Salary Deductions
Hassle-free repayments, no need to visit a branch or make manual transfers
No Collateral Required
Loans are backed by your employment, not your property.
Fast Disbursement
Get access to funds within 24–48 hours of approval
Long Repayment Terms
Enjoy repayment flexibility with tenures of up to 36 months
Eligibility Criteria
To qualify for a Civil Service Loan, you must:
Have been in employment for 6 month
Be over 18 years of age
Provide a valid NRC
Consent to salary-based deductions
Have completed Lupiya's simple KYC process
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How it works
1. Start Your Application
Complete a quick online form via Lupiya’s mobile or web app.
2. Submit Your Details
Upload KYC documents and employer confirmation.
3. Get Verified Fast
We work directly with your employer for verification.
4. Get Approval Fast
Loans are approved quickly and disbursed to your mobile wallet or bank.
5. Repay with Ease
Monthly deductions are made directly from your salary.
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Support
Got Questions? We can help
Everything you need to know about the Civil Service Loan. Can’t find the answer you’re looking for? Please chat to our team.
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How much can I borrow as a civil servant?
You can borrow between ZMW 500 and ZMW 250,000, depending on your salary level and employer confirmation.
How are repayments made?
Repayments are deducted directly from your salary, no need for manual payments, unless you're making an early payment.
How fast is the approval process?
Most loans are approved and disbursed within 24–48 hours after employer confirmation.
Do I need collateral to get this loan?
No, this loan is unsecured and backed by your employment status.
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
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