Lending Across Zambia
We Bring Financial Stability
Fast, transparent loans for individuals, businesses, and groups across Zambia. Clear terms, flexible repayment, and funds sent straight to your Mobile Money or bank account.
4 Loan TypesPersonal, Business, Salary & Group
Mobile MoneyOr Direct Bank Transfer
No Hidden FeesTerms Given Before You Accept
Mon–Sat 7–8Real People, Long Hours
Who We Are
Lending Made Simple, Fast and Human
Sikadwa Loans is a Zambian financial services provider offering fast, flexible, and accessible lending to individuals and businesses. We help customers meet everyday financial needs — school fees, stock, emergencies, working capital — while supporting the stability and growth that comes after.
We believe borrowing should be straightforward. That means responsible lending, terms you understand before you sign, professional service, and relationships that last beyond a single loan.
Our Loans
Loan Solutions For Every Need
Whatever you are working towards, there is a Sikadwa loan built for it.
Personal Loans
Flexible financing for emergencies, school fees, medical costs, and the everyday needs that cannot wait for payday.
Business Loans
Working capital for entrepreneurs and small businesses — buy stock, cover a gap, take on a bigger order, and keep trading.
Salary Loans
For employed individuals, with structured repayment arranged around your pay cycle so instalments stay predictable.
Group & Cooperative Loans
Financing for associations, savings groups, cooperatives, and community initiatives working towards a shared goal.
Why Sikadwa
What Makes Us Different
Fast, Efficient Processing
Applications are reviewed promptly so you are not left waiting on a decision you need today.
Simple, Transparent Requirements
You know what is needed from the start. No moving goalposts, no paperwork nobody explained.
Flexible Repayment
Daily, weekly, or monthly arrangements — matched to how money actually moves through your household or business.
Professional, Friendly Support
Real people you can call, Monday to Saturday, who will explain anything you are unsure about.
Secure & Confidential
Your information and your transactions are handled with care and kept confidential.
No Hidden Fees
Your loan amount, interest, fees, and repayment period are all set out before you accept the offer.
Responsible Lending
We assess what you can realistically repay. A loan should steady your finances, not strain them.
Funds Where You Need Them
Approved loans are disbursed to your Mobile Money wallet or your bank account, whichever suits you.
How It Works
From Application to Funds in Six Steps
A clear path, with no surprises along the way.
1
Apply
Complete a short application form online or through our app. It takes only a few minutes.
2
Review
We assess your request against your income or business activity and what you can comfortably repay.
3
Approval
You receive a decision on your application, and we explain the outcome clearly.
4
Your Offer
You get a written offer setting out the amount, interest, any fees, and the repayment period — before you commit.
5
Get Funded
Once you accept, funds are sent to your Mobile Money wallet or bank account.
6
Repay
Repay through Mobile Money, bank transfer, or agent collection, on the schedule you agreed.
Before You Apply
What You Will Need
Valid Identification
A government-issued ID confirming who you are.
Active Phone Number
A number we can reach you on throughout the loan.
Proof of Income or Business
Evidence of salary, or of the business activity supporting repayment.
Guarantor
Required for some loan types — we will tell you if yours needs one.
You must be at least 18 years old and provide accurate, complete information. Loan amounts, interest rates, and repayment periods vary by loan type and are always confirmed in writing before disbursement.
Our Team
The People Behind Sikadwa Loans
Experienced professionals committed to responsible lending and financial inclusion in Zambia.
Dr. Kwabena Brefo Osei
Director
An economist and finance professional, Dr. Osei holds a Doctorate (Dr. rer. oec.) in Economics and Business Administration from HHL Leipzig Graduate School of Management, a Master’s in Financial Economics from Otto-von-Guericke University Magdeburg, and degrees in Economics and Statistics from the University of Ghana. His expertise spans corporate finance, quantitative analysis, and data-driven lending. Under his leadership, Sikadwa Loans prioritises financial inclusion, ethical practices, and customer-focused products that support growth and stability in Zambia.
Ms. Martha Kabaso
Loan Officer
Martha manages loan processing from application through to disbursement, and is the person many clients deal with most closely. With a background in project management and strong organisational skills, she keeps applications moving, maintains client relationships, and makes sure lending is handled efficiently and responsibly. She is known for explaining terms plainly so borrowers understand exactly what they are agreeing to.
Patricia Nsamba
Relations Officer
Patricia handles client assessment, registration, and ongoing follow-up. She evaluates prospective clients, manages the registration process, and stays in regular contact so loan relationships run smoothly from start to finish. Educated in Zambia, she brings practical experience and a strong commitment to clear communication and client support.
Contact Us
Ready to Help You Achieve Your Goals
Get in touch today — we are glad to talk through your options before you apply.
Take the Next Step Towards Stability
Apply online in minutes, or call us and speak to someone who will walk you through it.
Sikadwa Loans lends responsibly. Borrow only what you can afford to repay. Loan amounts, interest rates, fees, and repayment periods vary by loan type and are confirmed in writing before disbursement. Late repayment may attract penalties and additional recovery costs in line with your loan agreement. Sikadwa Loans operates under the laws of Zambia.