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Apply for a loan.

Choose your amount, tell us about yourself and your employment, and upload three documents. It takes a few minutes, and you will get a reference number to track your application.

Already applied?

Check your application

Enter the reference number you received when you applied.

1
Loan
2
Personal
3
Employment
4
Banking
5
Next of kin
6
Documents
7
Review
Step 1 of 7

Choose your loan

Select your loan amount and repayment period to get started.

Loan calculatorLoading rates...

How much do you need?

Drag the sliders. Figures use the current rates set in our lending system.
Loan amountK 20,000
Repayment period12 months
Principal
K 20,000
Loan amount
Monthly payment
-
 
Total repayable
-
including interest
Product: -Maximum DSR: 40%
Please select a loan purpose
Step 2 of 7

Personal information

As it appears on your National Registration Card.

Please enter your full name
Please enter your NRC number
Please enter your date of birth
Please select your marital status
Please enter your phone number
Please enter your address
Please select a district
Please select a province
Step 3 of 7

Employment details

Your current employer and payroll information.

Please enter your employer
Please enter your department
Please enter your employee number
Please enter your start date
Please select a district
Please enter your net monthly salary
Salary after all existing deductions
Step 4 of 7

Banking and disbursement

Where should we send your approved funds?

Please enter your mobile money number
Step 5 of 7

Next of kin

Emergency contact in case we cannot reach you directly.

Please enter a name
Please select a relationship
Please enter a phone number

Please make sure the person you name knows that you have given us their details.

Step 6 of 7

Required documents

All three documents are required to process your application.

Latest payslip *
Within the last 3 months
PDF, JPG or PNG. Maximum 5 MB.
Click to upload
Bank statement *
Last 3 months showing salary
PDF, JPG or PNG. Maximum 5 MB.
Click to upload
NRC / national ID *
Clear photo, front and back
PDF, JPG or PNG. Maximum 5 MB.
Click to upload
How we use your documents. Your documents are analysed by automated tools, including AI, to help verify your identity and income. Files are sent over an encrypted connection and handled as described in our Privacy Notice.
Step 7 of 7

Review and submit

Please check your details before submitting.

Amount
-
Term
-
Monthly
-
Purpose
-

Personal

Full name
-
NRC
-
Phone
-
District
-

Employment

Employer
-
Department
-
Net salary
-
Employee no.
-

I, the applicant, declare that all information provided is true, accurate and complete. I authorise Azure Financial Services to verify my details with my employer, the Bank of Zambia, and any credit reference bureau. I understand that providing false information is a criminal offence. I consent to monthly loan repayments being deducted from my salary via the PMEC payroll system, and to my information being used as described in the Privacy Notice.

Application submitted

Your loan application has been received. Please save your reference number.

Your reference number
AFS-0000-0000
1Application receivedOur team will review your details.
2Verification callWe may call you on to confirm your details, and will tell you if anything else is needed.
3DecisionIf approved, you will receive your offer and agreement to review before the funds are sent to your account or mobile wallet.
4Repayments via PMECMonthly deductions begin as set out in your agreement.
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Questions? Call +260 770 372 109