About ZamCredit

Built in Zambia, for Zambians.

We were started in Lusaka in 2023 because we were tired of seeing friends apply to five lenders, get rejected by four, and never know why. ZamCredit shows you where you actually stand — before you spend time and fees.

Our story

A product of Biu Capital Limited.

Biu Capital Limited is a Non-Bank Financial Institution that was established under the Banking and Financial Services Act. We were incorporated in Zambia as a company limited by shares in 2019, and licensed by the Bank of Zambia.

Biu Capital Ltd is a FinTech embracing Digital Finance to provide financial inclusion to persons both in public and private sectors at competitive rates as well as flexible repayment periods. Rural area outreach is our target.

Our digital platforms provide our esteemed customers with great convenience to transact from anywhere and at anytime. We are committed to helping uplift people's livelihoods through affordable loan products.

ZamCredit is the discovery-and-matching layer on top of our own lender portfolio. We put forward three flagship products — ZamLoan for civil servants and salaried staff on payroll, Biumoney for short-term civil-service advances, and our newest open-access mobile product YangaLoan — alongside our long-running legacy small-cash service Zamcash for existing customers. One NRC, the right product for where you are.

Licence

Our licences

Bank of
Zambia
licensed

Biu Capital Limited is a Non-Bank Financial Institution licensed by the Bank of Zambia, operating under the Banking and Financial Services Act.

All four products listed on ZamCredit are offered by Biu Capital Limited or its carefully vetted partner lenders. Disbursement is settled through BoZ-regulated banks into MTN, Airtel or Zamtel mobile money.

Partners & infrastructure

Backed by Zambia's financial rails.

Regulated by the Bank of Zambia. Paying into the same mobile money networks you already use. Settled through the banks Zambians already trust.

Regulator

Mobile money carriers

Bank settlement partners

Made in Zambia 🇿🇲

7
Years serving Zambian borrowers
4M+
Zambians funded through our partners
4
Trusted lenders in one honest place