Frequently Asked



Please read the questions below and if you cannot find your answer, please email us your questions and we will answer you as soon as possible.

Borrowing FAQs

Requirements and eligibility are as follows:

  • 21 years old and above.
  • Valid ID (NRC, Passport or Driving Licence).
  • Two latest bank statements.
  • One latest payslip.
  • A signed pre-approval form

Requirements and eligibility are as follows:

  • 21 years old and above.
  • Valid ID (NRC, Passport or Driving Licence).
  • Be in full employment with an active bank account if looking for a personal loan.
  • Actively trading in a business for more than 6 months if looking for a business loan.
  • Holder of a registered mobile phone number.
  • Valid ID (NRC, Passport or Driving Licence).
  • Latest payslip (stamped).
  • Bank statement for the last 1 month.
  • Letter of introduction from employer (on headed paper).
  • Unfortunately, as our loans are unsecured, we require all the documents as set out.

We offer loans between K200 and K100,000. These are GRZ Salary Advances, Cash Advances (Payday Loans); Personal Loans and Car for Cash Loans. Loan approval is subject to affordability on your pay slip and or credit score from the Credit Reference Bureau (Transunion).

The monthly interest rate vary depending on the loan product, for more information, please contact us on the email or number provided on the page.

The deductions are made from the salary on every pay day. This may be done by your employer or by the bank on our behalf through direct debit. You can also pay via Mobile Money.

Unfortunately, we currently do not have any loan products for students. This is because our loans are unsecured and our administrative and recovery procedures are designed for this purpose.

If you cannot pay off the entire loan on your next repayment date, but can only make the payment after, we can offer you a pay later facility.

General FAQs

Kadmo Solutions Zambia Limited offers the most affordable financial solutions that can be accessed on-line, through mobile applications and in our well established branch network.

Our loans are beneficial when you are in need of quick cash to cushion and meet your financial needs especially unexpected events that require immediate cash as solution. We provide that cash, the same day.

We give you:

    • Quick, user friendly access to cash when you need it.
    • Hassle-free credit in the most affordable way.
    • Happy faces at your disposal to serve you in your time of need.
    • The more you borrow, the more points you earn, the better your credit score.


Elunda Office Park, Addis Ababa Roundabout, Lusaka

Tel: +260 974 226 577


Fortunately, with Kadmo Solutions Zambia Limited, you can apply through our call center, +260 974 226 577 or physically visiting our Head Office in Lusaka.

We are open Monday to Friday from 08:00hrs to 17:00hrs weekdays only and 08:00hrs to 13:00hrs Saturdays only. We are closed on Sundays and all public holidays.