Up to K20,000 flexible financing for your every day needs

Whether you’re employed or running your own business, Divitia’s Personal Loans are here to support your financial needs. With flexible terms and quick approvals, we make borrowing easy for everyone.

Personal loans for salaried and self-employed individuals

Designed to accommodate a variety of individual circumstances, our loans ensure that you can access the funds you need for emergencies, projects, or personal goals. With competitive rates, quick approvals, and personalized terms, we’re committed to helping you achieve your financial objectives.

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Flexible repayment plans

Competitive rates and flexible repayment terms designed to make borrowing stress-free.

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Up to K20,000

Borrow amounts from K1,000 to K20,000 for your plans or to handle those emergencies.

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No hidden fees

Affordable financing that doesn’t strain you and transparent terms with no hidden fees.

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Quick approval

Get your application reviewed, approved and access your loan within 24 hours.

Our Personal Loan eligibility criteria and documentation

Whether you’re employed or self-employed, Divitia makes it easy for you to qualify for a Personal Loan. Here’s what you need to know:

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Eligibility criteria for employee

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

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Must be a Zambian resident aged 21 or older.
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Proof of employment.
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A valid form of identification.
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Documents required for employees

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

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Recent pay slips or employment letter.
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Bank statements for the last 6 months.
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Proof of residence (e.g., utility bill or tenancy agreement).
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Eligibility criteria for self-employed

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

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Must be a Zambian resident aged 21 or older.
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Proof of business ownership or self-employment.
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Verifiable income or revenue from business activities.
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A valid form of identification.
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Documents required for self-employed

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

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Bank statements for the last 6 months.
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Business registration documents (if applicable)
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Proof of business transactions or invoices.
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Proof of residence (e.g., utility bill or lease agreement).
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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 right where your business is.

Equated Monthly Installments (EMI):
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Total Amount Payable:
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Principal:
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Interest:
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Go from application to approval in 3 easy steps

At Divitia, we’ve designed a straightforward process to help you access financing quickly and efficiently. Follow these simple steps to access the funding you need.

Submit your application

Submit your application form along with the required documents. Whether you’re an employee or self-employed, our process is designed to be quick and hassle-free.

Get approved quickly

Our team reviews your application and provides a decision within 24 hours. Self-employed applicants may require additional verification to assess income.

Receive your funds

Once approved, your loan is disbursed promptly, so you can address your financial needs without delay.

Start your loan application
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Common questions about our Personal Loans

We know you might have questions about how our Personal Loans works. Here are some of the most common queries and questions.

Can self-employed individuals apply for a personal loan?
How much can I borrow with a personal loan?
What is the repayment period?
What happens if I miss a payment?
Are early repayments allowed?