Zambia Defence Forces Loans

Reliable Loans for Military Personnel

Explore Zambia Defence Forces Loan

Lupiya’s Zambia Defence Forces Loan is a specialized salary-backed credit facility created for active members of Zambia Army. With stable income structures and high integrity, service personnel qualify for a dependable, dignified borrowing solution with no need for collateral.

Benefits

Low Interest Rates

Get affordable financing compared to unsecured loans.

Flexible Repayment

Choose a term that fits your income and financial goals.

Flexible Loan Amounts

Borrow between ZMW 500 to ZMW 250,000.

No Collateral

Secured through payroll deduction.

Quick 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

You may qualify if you:

Confirmed employee of the Zambia Army.
National Registration Card (NRC)

Required Documentation

Ensure you submit the following documents along with your pre-approval form:

National Registration Card (NRC)
Two most recent consecutive payslips
Latest 1-month bank statement
Signed Lupiya pre-approval form

How it works

1. Apply Online

Fill out a simple application via our website or mobile app.

2. Submit Your Details

Upload KYC documents and sign pre-approval form.

3. Quick Review

Our team verifies your information.

4. Loan Approval

Once approved, funds are sent to your bank account.

5. Flexible Repayment

Repay via automatic salary deductions.

Support

Got Questions? We can help

Everything you need to know about the Zambia Defence Forces Loan. Can’t find the answer you’re looking for? Please chat to our team.

How long does loan approval take?

Most Zambia Defence Forces loans are approved within 24 to 48 hours after submitting all documents.

Is collateral required?

No, this loan is secured through direct salary deduction—no collateral needed.

What is the loan term?

Loan tenure ranges from 3 to 36 months, depending on the loan amount and repayment capacity.

How do I receive the funds?

Funds are disbursed to your bank account once approved.

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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