You can achieve your financial goals.
We can help – join the thousands of people who have experienced the convenience of personal and business loans through Panda Africa.
Simple and affordable loans with flexible repayment terms

We believe credit should be easily accessible to people.
Our mandate is to make financing accessible and affordable across Zambia. Enabling the economic mobility and freedom of all Zambians.
What We Offer
Select from the different types of loans Panda Africa offers
Auto Collateral Loans
Do you own a vehicle? Require a loan? We've got you sorted. Obtain a budget-friendly loan using your car as collateral, minus the hassle of parking. Benefit from swift loan processing and disbursement with our auto collateral loan offerings.
Auto Collateral Loans
Read more...Order Finance Loans
Are you a supplier of goods and/or services to reputable government and non-government institutions? Do you have aAre you a supplier of goods and/or services to esteemed government and non-government organizations? Facing a shortfall in funds to fulfill a sizable order? Look no further. We provide tailored financing solutions to businesses, enabling them to meet their orders while enhancing working capital and cash flow.
Our expertise extends to collaborating with SMEs across various sectors, including government contractors, Non-Governmental Organizations, and beyond. large order you need to satisfy but short on funds? We have you covered.
Order Finance Loans
Read more...Salary Advance & MoU Loans
Finding yourself in need before payday? Dealing with an urgent situation that can't wait? Take advantage of our short-term salary advance loans, hassle-free and without collateral! Additionally, we extend Memorandums of Understanding (MoUs) to private organizations, granting their employees access to our loan services for added convenience.
Salary Advance & MoU Loans
Read more...Civil Servant Loans
Are you a civil servant in Zambia seeking a short-term or long-term loan for personal expenses? Apply for your loan from the convenience of your home. Simply dial *494*100# now.
Civil Servant Loans
Read more...SME Loans
Unlock the potential of your business with our SME loan product, offering not only flexible support but also competitive, low-interest rates. Whether you're aiming to expand your operations or invest in new opportunities, our tailored financial solutions are designed to help you thrive. Discover how we can help you take the next big step—connect with us today and explore the possibilities that await.
SME Loans
Read more...Asset Financing
Unlock your dreams with our Asset Financing Loans! Shop at your favourite stores for building materials, furniture, and more, while we foot the bill upfront. Repay with ease through manageable instalments. Your aspirations, our support.
Asset Financing
Read more...Why People Choose Us
Panda Africa is one of the fastest growing microfinance lenders in Zambia for a reason, find out why:
Best Interest Rates
We have the most competitive interest rates on the market, compare for yourself!
Easy Approval
Through our simplified loan process and application, you will get approved in no time.
Customer Service
Our friendly staff is always willing and ready to help you with your loan needs, come visit us today!
Easy Application Process
Our application process is precise and timely.
Choose Loan Amount
Select the amount of money you would like to borrow for your loan.
Get Your Loan Approved
Apply for your loan by submitting your documentation and obtain approval.
Get Your Cash
Once approved, receive your cash immediately to finance your needs!


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Get Your Loan Approved Today
Contact us today to check your loan options!
