Requirements
Zambian citizen 18+. Formally employed (government or private sector). Latest payslip, NRC, bank account details. Processing fee from K10. Kwika Rewards: earn points for borrowing/repaying/referrals (1pt=K1); redeem from 100pts via *414#, WhatsApp 0966 414 414 or branch.
⚠️ Not affiliated with Unifi Credit. Always verify terms directly.