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Payroll Based Loans

Home / Payroll Based Loans

HOW DO I APPLY FOR A ZAMBOU LOAN?

You qualify for a Zambou loans if you are:

  • In full time formal employment
  • You have a Zambian national registration card, passport
  • Company ID, Latest Payslip

WHAT DO I NEED TO APPLY?

Simply walk into anyone of our Zambou branches with the necessary documentation and get your loan immediately.

QUALIFYING CRITERIA

The Payroll Deduction MOU between Zambou and your employers must be signed before you can access a loan.

Contact our sales department to find out how to sign up your Employer today.

WHAT CAN ZAMBOU LOANS BE USED FOR?

  • Asset Purchase

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  • Home Improvements
  • Consolidation of existing Debt

    Advantages of Consolidating

    There are several potential advantages to consolidating your loans including:1. Streamlining your bill payment process
    With more than one loan, you probably have to remember multiple due dates for your monthly repayments. With just one loan, you have only one repayment due date to remember and one check to write.

    2. Extending your repayment term
    If you are having difficulty repaying your loans or you anticipate a change in your income or expenses, you may want to consolidate so that you can lengthen the amount of time you have to repay your loans.

    3. Switching from a variable to fixed-rate loan
    If you have private loans at differing variable rates of interest, you may be able to consolidate and get one new loan with a fixed rate of interest.

    4. Lowering the monthly payment amount.
    Lengthening the term of your loan means that you will be paying less each month.