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Collateral Backed Loan
Secure Financing Using Your Assets
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Explore Collateral Backed Loans
Ideal for both public and private sector employees with a regular income, this loan is Lupiya’s way of helping you turn what you already own into a stepping stone toward greater financial freedom.
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Why Choose a Collateral Backed Loan?
Low Interest Rates
Get affordable financing compared to unsecured loans.
Flexible Repayment
Choose a term that fits your income and financial goals.
Use a Range of Assets
Secure your loan using movable or immovable assets.
No Hidden Fees
Transparent terms, always.
Quick Disbursement
Get access to funds within 24–48 hours of approval.
Repayment Terms
Enjoy repayment flexibility with tenures of up to 12 months.
Eligibility Criteria
You may qualify if you:
Are 18 years or older
Have a regular monthly income (public or private sector)
Can provide collateral such as a vehicle, land title, or valuable asset
Complete full Know Your Customer (KYC) requirements
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How it works
1. Apply Online
Fill out a simple application via our website or mobile app.
2. Submit KYC & Collateral Details
Upload proof of income and asset documentation.
3. Quick Review
Our team verifies your information and evaluates your collateral.
4. Loan Approval
Once approved, funds are sent to your preferred account or mobile wallet.
5. Flexible Repayment
Pay monthly over your selected loan term, from 1 to 12 months.
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Support
Got Questions? We can help
Everything you need to know about the Collateral Backed Loan. Can’t find the answer you’re looking for? Please chat to our team.
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What types of collateral can I use?
Common examples include vehicles, land, and other high-value assets. The asset must be in your name.
What happens if I miss a payment?
We offer flexible repayment support, but repeated defaults may result in the repossession of the asset.
How fast can I get the loan?
If all documents are in order, approvals can be completed within 24–48 hours.
How fast is the approval process?
Most loans are approved and disbursed within 24–48 hours after employer confirmation.
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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