Making vehicle ownership easy and accessible

Whether it’s your first car or the next step in growing your business, owning a vehicle doesn’t have to be complicated. Divitia provides financing options that fit your needs, so you can focus on the road ahead.

Our motor vehicle loans at a glance

Our motor vehicle loans are tailored to help you purchase new or pre-owned vehicles with ease. Whether you need a personal car, a business van, or a delivery truck, we’ve got you covered with competitive rates, quick approvals, and repayment options that work for you.

fixedrate
Fixed rates

Enjoy predictable monthly payments with our competitive fixed interest rates.

upto250000
Up to K250,000

Access substantial funding to purchase your dream vehicle or grow your fleet.

upto250000
Approval within 48 hours

Get a quick decision and move forward with your purchase without delays.

nohiddenfees
No hidden fees

We keep things simple and honest, so you know exactly what to expect.

Motor vehicle loan eligibility criteria and documentation

Applying for a motor vehicle loan with Divitia is simple and straightforward. Learn about the eligibility criteria and required documents to ensure you’re ready to start your application.

icon
Eligibility criteria

Are you eligible? Below is the list of eligibility criteria you must meet

icon
Must be a Zambian resident aged 18 or older.
icon
Employed or self-employed with a steady income.
icon
Proof of address (e.g., utility bill or tenancy agreement).
icon
Documents required

For quick loan approval, the following documents are be required to be eligibile

icon
A valid form of identification (e.g., NRC or passport).
icon
A vehicle quotation or invoice from an authorized dealer.
icon
Bank statements for the past three months.
icon
Copy of a valid driver's licence.
svg

Estimate your loan and monthly repayments

Use our loan calculator to estimate your monthly repayments and see how our flexible options can work for you. Planning your vehicle financing has never been simpler.

Equated Monthly Installments (EMI):
ZMW 0

Total Amount Payable:
ZMW 0

Principal:
ZMW 0

Interest:
ZMW 0

Applying for your motor vehicle loan has never been easier

Our streamlined loan application process ensures you can move from planning to purchase in just a few steps.

Complete your loan application

Complete our simple application form, which can be done online or at one of our branches. Make sure to attach all required documents, including proof of income and a quotation from the vehicle dealer.

Quick 48 hours loan approval

Once we receive your application, our loan specialists will review it promptly. Most applications are approved within 48 hours, ensuring you can proceed with your vehicle purchase without unnecessary delays.

Loan amount disbursement

After approval, the loan amount will be disbursed directly to the dealer or your account, depending on your arrangement. You can then finalize your purchase and take ownership of your vehicle.

Start your loan application
arrowarrow

Common questions about our Motor Vehicle Loans

We know you might have questions about how our motor vehicle loans work. Here are some of the most common queries and questions.

What types of vehicles can I finance?
How long does it take to get approved?
Do I need collateral for this loan?
Can I make early repayments?