Formally employed
Prepare a recent payslip and evidence of the collateral you propose.
FINESTRA · ZAMBIA
Your next step.
A clearer start.
A personal goal. A business need. A gap to bridge. Start your loan application with a clear view of what’s required and how to move forward.
Applications are assessed individually. Approval is subject to review.
THE WAY FORWARD
Big decisions.
Considered steps.
A clear process, from the start.
Prepare. Apply. Review.One step at a time.
PERSONAL NEEDS & BUSINESS GOALSTHOUGHTFUL BORROWING STARTS WITH UNDERSTANDING
01 / GET TO KNOW FINESTRA
A starting point
for what comes next.
FINESTRA provides an online starting point for personal and small-business loan applications in Zambia.
Tell us about your needs, your income or funding source, and the collateral you can offer. Our team reviews the information before a lending decision is made.
What should I prepare?DIFFERENT PATHS. ONE PLACE TO START.
An application that fits your situation.
Choose the category that describes you.
The application adapts to your selection.
Informally employed
Share records that help explain your work, income and proposed collateral.
Small-business owners
Provide recent business records and details of the collateral available.
Students
Prepare allowance, sponsorship or other funding evidence, plus collateral details.
Each application is assessed on its own information and supporting evidence.
02 / HOW IT WORKS
From your first
question to your
next step.
You can start online. Take your time, check the terms and give us the details we need to assess your request.
Start your application- 01
Tell us about yourself
Choose your applicant category and enter your personal, contact and income or funding details.
YOUR DETAILS - 02
Review your request
Choose your amount and term. Review the interest and repayment schedule, then upload your income and collateral evidence.
YOUR LOAN & DOCUMENTS - 03
Submit for assessment
Save the private link issued after submission. Use it to check your application and respond if the team requests more information.
YOUR PRIVATE APPLICATION LINK
03 / BEFORE YOU APPLY
A little preparation
goes a long way.
Having your information ready helps you complete the application. The evidence you provide should be accurate, clear and relevant to your situation.
Have your documents ready
PDF, JPG or PNG · up to 5 MB per file
Personal & contact details
Your NRC number, residential address and a phone number you can access.
Income or funding evidence
A recent payslip, business records, funding evidence or other verifiable records for your category.
Collateral information
A description, estimated value, and photographs or ownership evidence of the collateral offered.
A repayment plan
How you intend to repay, the amount you need and the term that suits your request.
Understand the full repayment before you apply.
View the current rates, total principal and interest, and repayment schedule in the application. Review all agreed charges and dates before accepting a loan.
04 / A FEW THINGS TO KNOW
Questions?
Start here.
For help with your application, speak to the FINESTRA team.
+260 975 156 808Does applying mean my loan is approved?
No. Submitting an application begins the assessment process. FINESTRA reviews your information, income or funding evidence, proposed collateral and repayment request before making a decision.
Where can I see the loan rates and terms?
The online application shows the current terms and calculates principal, interest and the repayment schedule for your selected amount and duration. Review the full terms before proceeding.
Is collateral required?
The current application asks you to describe the collateral offered, give its estimated value and upload photographs or ownership evidence. The FINESTRA team assesses the information provided.
How do I follow up after applying?
Save your private application link and reference after submission. Open that link and enter your phone number to view updates and respond to requests for information. If you lose the link, call FINESTRA for help.
I already have a loan. Where do I go?
Open the borrower portal with your private link or loan reference, phone number and access code. You can also view a linked approved loan through your private application link.
Who can access my application documents?
Applications and uploaded evidence are reviewed through FINESTRA’s private staff dashboard. Keep your private application link and access code confidential. Upload personal documents through the application rather than sharing them on a public page.
LET’S TAKE THE FIRST STEP
Ready when you are.
Prepare your details. Understand the terms. Apply online.