Quick, transparent micro-loans exclusively for Zambian civil servants.
Borrow from ZMW 500 to ZMW 50,000 against your government payslip. You see the fee, the interest and every instalment before you commit — and the money reaches your bank account within one business day of approval.
- Approved in hours, not weeks
- No hidden charges, ever
- Repaid straight from payroll
Example · ZMW 5,000 for 1 month
You repay in total
ZMW 5,775.00
Fee
ZMW 250.00
Choose your portal
Starting an application takes about 10 minutes and costs nothing. You only pay once a loan is approved and disbursed.
Civil servants only
Built around government payroll, not generic credit scoring
1 business day
From approval to money in your bank account
No hidden charges
One 5% processing fee, disclosed before you sign
ZMW 500 – 50,000
Over a term of 1 to 12 months, your choice
Repayment preview
Know the instalment before you apply.
A 5% processing fee is added to the amount you request, then interest of 10% per month is charged on the balance still outstanding.
Your monthly instalment
ZMW 2,111.10
for 3 months
- Amount requested
- ZMW 5,000.00
- Processing fee (5%)
- ZMW 250.00
- Amount financed
- ZMW 5,250.00
- Total interest
- ZMW 1,083.31
- Total repayment
- ZMW 6,333.31
How it works
Four steps between you and the money.
No branch queues, no guarantors, no paperwork you have to print. Everything happens from the phone already in your pocket.
- 1
Apply online
~10 minutesFill in six short screens covering your details, your loan, your employer and your NRC. It takes about ten minutes and saves as you go.
- 2
Employment verification
Same dayWe confirm your employee number, ministry and work station against your institution. This is the step that keeps rates low for everyone.
- 3
Approval within hours
Hours, not weeksYou get a decision with the exact amount, instalment and total repayment. If we approve a different amount, you see it before anything is signed.
- 4
Direct bank disbursement
1 business dayFunds land in the bank account you nominated. Repayments come off payroll, and every one of them shows in your account dashboard.
A worked example
Borrow ZMW 5,000 for one month. Here is every ngwee of it.
There is no arrangement charge, no insurance add-on and no early-settlement penalty. A 5% processing fee and 10% monthly interest on the outstanding balance is the whole cost of the loan.
Total repayment after 1 month
ZMW 5,775.00
One instalment. Nothing else falls due afterwards.
Who we lend to
If the government signs your payslip, you qualify.
Artos Loans exists for one group of people, and that focus is deliberate. A verified government employee number and a steady payroll are the only collateral we ask for — no title deeds, no guarantors, no vehicle logbooks.
- Teachers
- Nurses and clinical officers
- Police and correctional officers
- Council and ministry staff
- Extension and field officers
- Administrative and support staff
Get the app
Works on the phone you already have.
Artos Loans runs in any browser, so there is nothing to install to apply. Native apps are on the way, and the Android build is available directly if you would rather have an icon on your home screen.
Optimised for both desktop PC and mobile phones.
Money in your account by this time tomorrow.
Starting an application is free and takes about ten minutes. You will see your exact instalment before you agree to anything, and nothing is owed unless the loan is disbursed.
