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Get Started

Get Our Soft Loan Service At The Comfort Of Your Own Home.

Create an Account

Online Payment

We have online payment services like PayPal, Stripe, Paystack, Skrill, Flutterwave, Mollie, Payeer, RazorPay, etc.

Take Loan

We have several plans to apply for a loan. You may apply to our loan plans by submitting some of your valid information.

Deposit Schemes

We have two deposit schemes for you, one is Deposit Pension Scheme and another one is the Fixed Deposit Receipt.

Financial Claim Assistance

We Act As Your Financial Claim Assistance In All Cases Of International Transaction Lose.

About Us

Empowering Financial Freedom and Trusted Solutions

Our Mission

"At Mwaluo Soft Loans, our mission is to provide low interest, quick, and easily accessible loans to civil servants, individuals, and small businesses in Zambia."

Our Vision

"To be the trusted partner in helping individuals and businesses realize their financial goals and dreams through our exceptional loan services."

Our Goal

Our goal is to be the most affordable and easy-to-access loan provider in the industry, ensuring financial support for our customers' needs."

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Our Services

We make your life comfortable with our services.

Civil Servant Loans

We Provide Flexible Loan Plans For Civil Servants

Business Loans

We Provide Business Loans Ranging From 1 Week To 6 Months

Individual Loans

We Provide The Low Interest For Individuals Of Different Interest

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Why Choose Us?

We are giving you the best services

Get Started

Secure Service

Every balance subtracting transactions need OTP verification so You can feel safe about your funds. Also, you can use the google authenticator app on your cellphone and enable 2FA security from the account menu.

Lowest Transaction Fee

Our transaction fee is much low comparing to other Money Lenders. You can deposit, transfer, and withdraw your funds with the lowest transaction charge. As our transfer system is secure and robust you can trust us.

LOAN PROCESS

It's easy to join with Us

1

Register A Free Account

To be an account holder you have to open an account first.

2

Verification

After registration you need to verify your Email and Mobile Number.

3

Add Collateral

Add Valid Collateral Images And Contract Signing Before Applying

4

Apply

Now you can get any of our services as our registered account-holder

Our Loan Schemes

We Have The Best Loan Plans

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PLAN 4

159% /1 Days
  • Take Minimum ZMW4,000.00
  • Take Maximum ZMW8,000.00
  • Per Installment 159%
  • Installment Interval 1 Days
  • Total Installment 1
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PLAN 3

140% /1 Days
  • Take Minimum ZMW1,500.00
  • Take Maximum ZMW3,000.00
  • Per Installment 140%
  • Installment Interval 1 Days
  • Total Installment 1
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PLAN 2

130% /1 Days
  • Take Minimum ZMW800.00
  • Take Maximum ZMW1,500.00
  • Per Installment 130%
  • Installment Interval 1 Days
  • Total Installment 1

We provide low interest rates loans

"At Mwaluo Soft Loans, our mission is to provide low interest, quick, and easily accessible loans to civil servants, individuals, and small businesses in Zambia."

532

Account Holders

210

Total Transaction

3

Total Branches

5

Countries We Serve

I am going to start with a confession. When MWALUO SOFT LOANS came, I didn't take it seriously cause nowadays, the world is full of scammers and I took MWALUO SOFT LOANS for a scam. In fact, I even encouraged my friends to be cautious. However, my neighbour persuaded me to join her group and I did, of course with caution since I was still a disbeliever. When the time came to pay security for the loans that we had applied for, I was a bit hesitant to make the payment because in my head, I was like, "this is it, I'm being swindled in broad day light." But I'm glad that some how my desire to get my family and myself out of poverty proved to be stronger than my doubts and I ended up making that payment. Because of that life's defining moment, I am a happy person now, my sowing business is doing fine and soon we shall be acquiring another sowing machine. Thank you MWALUO SOFT LOANS for bringing back our smiles.

Dumisani

Customer

When I was young I dreamt of owning my own business. But as I grew, I realised that finding enough capital to start a decent business is not an easy task. Besides, I saw a lot of young people start Businesses and failing. That is enough to discourage someone from holding on to such dreams but it didn't discourage me. I still felt I had a point to prove and that is, a young lady can be a successful entrepreneur. One day as I was walking to town, I saw an MWALUO SOFT LOANS poster in Northmead and decided to approach and find out more about it. The information I got, kept me up all night and had to contact them following morning to join a group and apply for a loan. To cut the story short, my business of selling second hand clothes is doing tremendously well and the future has never looked this bright. Thank you MWALUO SOFT LOANS.

Chipo

Client

We all need a helping hand in life. And if you have a burning desire to achieve something, God brings people into your life to help you set your plans in motion. To me, MWALUO SOFT LOANS is exactly that. I am in the business of keeping chickens and I needed money to increase the number of chickens I kept from 100 to 500 chickens but did not no know how to get it. I tried the traditional money lenders and other money lending institutions but they all wanted collateral Then one day, when I was not even expecting it, a loan officer from MWALUO SOFT LOANS approached me and explained to me the CIGOGNE BLANCH INVESTIMENT LTD loan model. I had this gut feeling in me that that was an avenue I had to explore and I'm glad I did. This is because, It has paid me off more than I could have ever imagined as I now have 800 chickens and still with more room for expansion. Thank you very much, MWALUO SOFT LOANS.

Lexina

Client

MWALUO SOFT LOANS came at a time when I was almost losing all hope. My husband had just left me alone with my children and my kids love school, just so you know. However, I couldn't even afford their school fees as my business was going down. That hurt me a lot. I was barely managing to put food on the table. Then one day, God answered my prayer. My friend introduced to one of the loan officers loan officers who had me join one of his groups and explained to me the MWALUO SOFT LOANS loan program. Within two weeks after I had applied for a loan, I got my money and had it invested in my business for the purpose of expansion. And since then, my business has been doing fine, my kids are in school and everything is alright. We are a happy family now because of MWALUO SOFT LOANS . Thank you MWALUO SOFT LOANS

Simuyaba

CEO of Keydrive

Frequently Asked Questions

Though we have provided lots of information about us and how we serve what is our working process our terms and conditions our policies etc.

Proof of identity, such as Nrc, driver’s license or another form of identification Proof of income such as stable registered bussiness,Active in employment with latest two months bank statement and payslips. Proof of address, such as a utility bill or mortgage statement A Valuable Collateral ,NOTE : You cannot get a loan without providing a valid collateral as all loans are collateral based and it should be worth more than the amount issued.

personal loans are usually determined by the Value of the collateral presented, typically ranges between k500 and k3000 and repayment terms between one week and 3Months. The higher the value of your collateral and income, the more money you can potentially borrow.

When selecting your loan, you’ll also choose a repayment period If You Exceed the agreed time u will be charged either daily or weekly depending on the loan plan you choose.

There are no hidden fees and no early prepayment fees.

Applying for our personal loan is fast, free, and easy. With our online application, you can simply input your desired loan amount, state of residence, and contact information. If pre-approved, you can choose to work through the remaining application process by email, or request to be contacted by an Achieve Loan Consultant.

All the loan plans have no application charge or fee.The whole application process is entirely free of charge.

Our Partners

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