You can achieve your financial goals.

We can help – join the thousands of people that 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.

Panda Africa was incorporated as a limited company in 2016 and has since traded as a money lender under Cap 388 company’s act and Cap 398 money lenders act of Zambia.

Our mandate is to provide tailor made affordable loans with flexible repayments to enable customers meet urgent financial needs with ease. We believe credit should be easily accessible to people. Anyone should be able to borrow as long as they are willing to pay back.

What We Offer

Select from the different types of loans Panda Africa offers

Auto Collateral Loans

Do you own a car? Need a loan? We have got you covered. Get an affordable loan against your car minus parking. Have the advantage of speedy loan applications and disbursal on our auto collateral loans.

Auto Collateral Loans
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Order Finance Loans

Are you a supplier of goods and/or services to reputable government and non-government institutions? Do you have a large order you need to satisfy but short on funds? We have you covered.

Order Finance Loans
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Salary Advance Loans

Payday too far? Have an emergency you need to sort out ASAP? Make use of our short-term salary advance loans, collateral free!

Salary Advance Loans
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Civil Servant Financing

Are you a civil servant anywhere in Zambia? In need of a long-term loan for your personal expenses? Apply for a loan in the comfort of your own home. Approval and disbursement is instant.

Civil Servant Financing
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Poultry Agric Loans

Do you have experience in broiler production? For our Poultry-Agric financing it’s all you need. We finance small scale fulltime farmers in broiler production with a minimum capacity of 1,000 birds.

Poultry Agric Loans
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Employee Product Financing

Need the latest mobile gadget on the market but cannot afford it at a goal? Panda offers you a loan product that allows you access electronic mobile gadgets such as smartphones, portable laptops etc. through a payment plan.

Employee Product Financing
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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!

"Panda offers the best deals on the motor vehicle collateral-based loans. They have the best interest rates in town I can assure you. What makes theirs loans even better is that you get to keep your vehicle!"
Lusaka-based Businessman
"I was very impressed with the quick service delivery on the salary advance product. My application was processed quickly and I had the funds within a few hours. Plus Panda has the lowest interest rates. They offer a great deal!"
Government Employee

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Get Your Loan Approved Today

Contact us today to check your loan options!