Four trusted credit products, built for Zambia. K200 to K100,000. One NRC, no paperwork, 100% online — pick your product on the right, or compare all four in 60 seconds.
Civil servants are matched to Biumoney's payroll-backed product.
No paperwork to start. No fees, ever. Three quick questions and your best loan offers are on screen — 60 seconds, start to finish.
NRC, phone, and what you need. 45 seconds — we timed it.
Our lenders compare your profile instantly. You see your best-matched offers — real numbers, real terms, real amounts.
Tap Apply on your pick. Money lands in your Airtel, MTN or Zamtel wallet in as little as 5 minutes — no middleman, no fee from us.
Whether you're a civil servant, a salaried employee, or you just need K500 by tonight — one of them was built for you.
Three reasons to skip the guessing game.
Licensed by the Bank of Zambia. A product of Biu Capital Limited — a Zambian Non-Bank Financial Institution incorporated in 2019.
No printed forms. No branch visit. No queues. Apply from your phone and the money lands in your Airtel, MTN or Zamtel wallet in as fast as 5 minutes.
We are paid by lenders, not by you. No sign-up fees, no match fees, no referral fees from borrowers. Full stop.
K200 to K100,000. Four trusted credit products. Your NRC. That's all you need.
Check My Credit60 seconds · Always free · Soft credit enquiry only