Start your application here and receive cash
minutes after approval.
Zambia-registered
Certified money lender and licensed by the Ministry of Finance.
Your data is safe
256 bit encryption. Your Personal Info is never sold or shared
Transparent terms
Clear loan agreements with no hidden charges or surprises
How It works
Get your loan in three simple steps
Apply online
Fill in your details fast and select your loan type.
Get approved
Our team reviews your application quickly
Receive funds
Approved funds are transferred directly to your account.
Our loan products
Choose the loan that fits your needs
Personal Loans
Civil service loans
Gadget finance
Motor Vehicle Backed Loans
Real Estate Backed Loans
Military Service Loans
Why Choose Adaku?
Trusted by civil servants and professionals across Zambia.
2000+
Loans disbursed
Helping Zambians achieve their financial goals
24Hrs
Average approval time
Fast decisions so you can move forward quickly
100%
Zambian-owned
A local company serving our community
Frequently asked Questions
Still have questions?
- The amount you can borrow depends on your income and repayment capacity. Each application is assessed individually to determine eligibility.
- You can borrow as little as you need, up to a maximum of ZMW 50,000.
The standard requirements include:
- Latest payslip
- Three (3) most recent bank statements
- NRC
- Appointment letter or Work ID
- Additional documents may be requested depending on each individual case.
Deductions are made via PMEC or through other payment channels communicated at the time of loan approval.
Our loans are available with flexible repayment periods of 3, 6, or 12 months.
Yes, you can settle your loan before the end of the tenure. Please contact us for guidance on early settlement procedures.
Still have questions?
Ready to get started?
Join hundreds of Zambians who trust Adaku for their financial needs
Follow Our Social Media
Fast, transparent loans for Zambian civil servants and professionals
Services
- Personal Loans
- Civil Service Loans
- Gadget Finance
- Motor Vehicle Backed Loans
- Real Estate Backed Loans
Company
- About Us
- How it works
- Our Products
- Why Choose Adaku
- FAQs
Contact Us
- 0978494902 / 0960276058
- info@adaku.co.zm