About Us

Welcome to Kaspa Credit! We are a legally established lending institution committed to providing very quick financial support to individuals and businesses in need. At Kaspa Credit, we understand that financial challenges can arise unexpectedly, which is why we offer a range of loan products to meet our customers’ varying needs.

Our loan products include salary advance, student loans, business loans, and collateral loans. We provide competitive interest rates and flexible repayment schedules to ensure that our customers can manage their finances and repay their loans on time.

Our website provides an easy-to-use platform for customers to apply for loans online. Our online application process is straightforward and allows customers to complete their loan application from the comfort of their own homes.

Legal Establishment

Kaspa Credit Enterprise is a fast-growing credit provider in Zambia which was registered with the Patents and Companies Registrations Agency in 2022.

Kaspa Credit Enterprise is registered pursuant to and in accordance with the provisions of the Registration of Business Names Act, and the Regulation made there under, and has been entered in the index of Registration.

The company was started by Mr. Paul Kasuba Mbulo, an experienced business consultant, Economist, and the current CEO of Kaspa Credit.

Kaspa Credit Enterprise has a physical presence in Lusaka, Copperbelt, Kapiri Mposhi, Mansa, and Mwense.


To become the premier financial services provider in Zambia, with an excellent reputation for client service and accessibility.

Mission Statement

Our mission is to provide our clients with an effortless experience for all their financial needs without compromising on Capacity, Efficiency and Integrity. Through our highly skilled staff complement, we provide cost-effective financial services within Zambia.


  • Honor & Integrity: We follow legislation with honesty.
  • Customer Focused: We serve our clients efficiently.
  • Forward Thinking: We are future focused.
  • Quality & Efficiency: What we do, we do very well.
  • Employee Development: Through continual internal and external training.
  • Professionalism: We hold ourselves to the highest ethical standards.
  • Compliance: We are aware of and comply with all relevant legislation.

Salary Advance

This loan product is designed to provide individuals with a portion of their salary in advance, helping them meet immediate financial needs.

Student Loan

A student loan functions as a financial aid option provided to students to help cover the expenses associated with their education.

Business Loan

A business loan provides funding for business expenses, aiding entrepreneurs in starting, expanding, or managing business.

Collateral Based

Collateral-based business loans use assets as security, providing financing for business purposes, such as expansion or purchasing assets.

How it works

We are committed to delivering quick financial services to our customers and will continue to optimize our procedures for faster processing times. You can take advantage of our simple 4-step loan application process for your next borrowing needs.

Select a Loan Type

Choose the type of loan that best fits your needs, and utilize the loan calculator to determine the precise loan amount.

Check Eligibility

Using our eligibility calculator, you can quickly evaluate whether you should proceed with the application procedure, saving you time.

Complete Application

If you are eligible, you will be asked to fill out all of the necessary information so that Kaspa Credit can process your loan within 10 minutes to 24 hours. As your loan is processed, you will receive notifications.


Our team will review your application, and once approved, you will instantly receive your money into your preferred bank account or mobile money wallet.

Loan Requirements

Salary Advance

Student Loan

Business Loan

Colleteral Based


we have answered most questions

Kaspa Credit offers various lending products, including salary advances, student loans, business loans, and collateral loans.

• Be 18 years old and above
• Be the holder of an ID document or driver’s license
• Be formally employed with a bank account, an enrolled student, or the owner of the collateral
• Have a registered phone number
• Have proof of the current residential address (E.g., Utility bill, or similar)

• The easiest way to apply for a loan is to use the application form on this website.
• You can also visit any of our nearest branches where a loan officer will help you complete your loan application.

• To process your application the same day, please bring the required documents (as specified above) with you or upload them if applying through our website.

Currently, Kaspa Credit provides a one-month repayment schedule for all its lending products.

• The approval process for a Kaspa Credit loan may take between 10 minutes and 24 hours, depending on the type of loan and the applicant’s documents.

• To process your loan application in a few minutes during working hours, submit your proof of residency with your current house number or plot number clearly indicated, or allow us to come and visit you at your current work place or home.

The minimum loan amount that you can borrow is K500, and the maximum loan amount that you can borrow is K10,000. The amount will increase over time.

Once your loan application gets approved, we will transfer the money into your bank account or personal mobile money account that is registered in your name, or you may simply walk to our local branch and withdraw in cash.

Yes, you can repay your Kaspa Credit loan early without any penalty. The institution encourages responsible borrowing and repayment.

Late payments made three days after the due date will result in a penalty fee that will raise the initial interest rate from the actual 20% to 30% of your initial borrowed money, or we will seize your submitted collateral for resale to cover our losses.

You can repay your loan through the following methods:

Bank Transfer:

  • Ecobank Zambia Limited: 5622500004079
  • Absa Bank Zambia Limited: 0201034221
  • UBA Bank Zambia Ltd: 9030520025282
  • Zambia National Commercial Plc: 5068926200336

Mobile Money:

  • 543 Payment 👍 – WhatsApp us on: TBA
  • Airtel Money Withdraw: Agent Code – TBA

Cash: Available in all Kaspa Credit branches.

Please use your loan number or NRC number as a reference when depositing funds.