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Student Loans in Zambia

Study funding in Zambia comes from three government routes: the HELSB loan for the ten public universities, the TEVET bursary for technical and vocational training, and CDF bursaries applied for through your council. Each has its own page and its own application route.

Students also use small instant loans for books, rent and transport.

Education & training loans

Student LoanSHELSB Student LoanOnlinewebRate: 10% per year · Duration: Up to 120 months · Lusaka · Copperbelt · Southern +7 moreSchool Fees LoanSZanaco School Fees LoanK5,000–K15,000webDuration: Up to 1 yearSchool Fees LoanSStanbic School Fees LoanUp to K800,000webEducation LoanEABSA Zambia Education LoanK5,000–K200,000⏱3–5 dayswebRate: 10% (period not specified) · Duration: Up to 36 months · Lusaka · Copperbelt · Southern +2 more

Emergency Loans

AirtelKAirtel Money Kwika LoanussdLusaka · Copperbelt · Southern +7 moreAirtelMicro Finance ZambiaAirtel Money MFZ LoansussdLusaka · Copperbelt · Southern +7 moreAirtelPremierCredit ZambiaAirtel Money KaFast LoanussdLusaka · Copperbelt · Southern +7 moreAirtelZED-Fin Financial ServicesAirtel Money ZedFin LoanussdLusaka · Copperbelt · Southern +7 moreAirtelEmerald FinanceAirtel Money Ka'Starta LoanussdLusaka · Copperbelt · Southern +7 moreAirtelNATSAVEAirtel Money Fikiliza OverdraftussdLusaka · Copperbelt · Southern +7 moreAirtelKAirtel Money Konza LoanussdLusaka · Copperbelt · Southern +7 moreAirtelZamCreditAirtel Money ZamCredit LoanussdLusaka · Copperbelt · Southern +7 moreInstant LoanIOmanpesa Instant LoanK1,000–K10,000appRate: 30% per year · Duration: 4–12 months · Lusaka · Copperbelt · Central +7 moreInstant LoanIZigi Instant LoanK1,200–K4,000appDuration: 30 days · Lusaka · Copperbelt · Central +7 moreInstant LoanIKula Plus Instant LoanK100–K5,000⏱15 minuteswebRate: 25% (period not specified) · Duration: 95 days · Lusaka · Copperbelt · Central +7 moreInstant LoanIPeony Money Instant LoanK1,500–K15,000appRate: 36% per year · Duration: 4–12 months · Lusaka · Copperbelt · Central +7 moreInstant LoanIBanjaFlow Instant LoanK100–K5,000appRate: 36% per year · Duration: 3–6 months · Lusaka · Copperbelt · Central +7 moreInstant LoanIMirakash Instant LoanK300–K42,000⏱24 hoursOnlineappwebRate: 36% per year · Duration: 3–8 months · Lusaka · Copperbelt · Southern +7 moreInstant LoanIPower Kwacha Instant LoanK100–K5,000⏱24 hoursOnlineappRate: 34.01% per year · Duration: 3–4 months · Lusaka · Copperbelt · SouthernInstant LoanIBiuMoney Instant LoanK500–K2,000⏱5 minutesOnlineappwebRate: 29% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +7 moreInstant LoanIZammoney Instant LoanK500–K2,000⏱5 minutesOnlinewebappRate: 29% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +7 moreInstant LoanIImpiya Instant LoanK200–K50,000⏱5 minutesOnlineappRate: 31.3% per year · Duration: 91–230 days · Lusaka · Copperbelt · Southern +7 moreInstant LoanIFairMoney Instant LoanK500–K20,000⏱5 minutesOnlineappwebRate: 25% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +5 moreInstant LoanISuperKwacha Instant LoanK50–K15,000⏱5 minutesOnlineappRate: 183% per year · Duration: 3–4 months · Lusaka · Copperbelt · Southern +7 more
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Government funding programmes

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