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Scheme Loan
Easy Salary-Based Borrowing
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Explore Scheme Loans
Sheme Loans offer secure, affordable credit to employees of Lupiya partner organizations, with easy payroll-based repayment — perfect for emergencies, school fees, or personal needs.
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Why Choose a Scheme Loans?
Low Interest Rates
Get affordable financing compared to unsecured loans.
Easy Repayment
Automatic deductions mean no late payments.
No Collateral Needed
Borrow securely with just proof of employment.
No Hidden Fees
Transparent terms, always.
Quick Disbursement
Get access to funds within 24–48 hours of approval
Flexible Terms
Borrow from 3 to 36 months — short or long, you decide.
Eligibility Criteria
You may qualify if you:
Employed by a Lupiya partner organization (MoU)
Earning a steady monthly salary
Holding a valid NRC
Meeting Lupiya’s KYC requirements
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How it works
1. Check Eligibility
Confirm if your employer is a Lupiya partner.
2. Apply Online
Complete a quick application via web or mobile app.
3. Verification
Lupiya confirms your employment with your employer.
4. Get Approved
Receive approval and disbursement in under 48 hours.
5. Repay Easily
Enjoy automatic deductions from your salary.
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Support
Got Questions? We can help
Everything you need to know about the Scheme Loan. Can’t find the answer you’re looking for? Please chat to our team.
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How fast will I receive the loan?
Most salary-backed loans are disbursed within 48 hours after verification.
Do I need collateral?
No. Your salary serves as security, so no collateral is required.
How fast can I get the loan?
If all documents are in order, approvals can be completed within 24–48 hours.
What happens if I leave my job?
We’ll work with you to arrange alternative repayment options.
Can I apply if my employer doesn’t have an MoU with Lupiya?
At the moment, salary-backed loans are only available through partnered employers. Encourage your HR team to contact us.
What’s the maximum loan amount?
You can borrow up to ZMW 250,000 depending on your salary and repayment capacity.
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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