Keep Driving While You Pay: Instant Loans Against Your Car's Value

Get a loan of up to 250,000 ZMW using your vehicle as collateral

All you need to qualify is a vehicle registered in your name. Choose from 2, 3 or 4-month repayment plans.


rated excellent

Get Cash In 30 Minutes
No Credit Rating Required
Don’t Park
Keep Driving While You Pay

Don't get stuck in an emergency. If you have a vehicle registered in your name, we can offer you a short-term personal or business loan from 5,000 to 250,000 ZMW using your car as security. Our innovative offering allows you to keep driving while paying off your loan. No parking, no inconvenience!

Why Choose Kwacha Loans?

  • Do you need an emergency business or personal loan?
  • Anyone with a registered motor vehicle qualifies
  • All you need is a white book for your registered vehicle
  • Blacklisted? No Problem – we assist un-banked clients too
  • Keep driving while you pay off your loan
  • Two, Three or Four-month repayment plans
  • Fast & convenient – Get cash in as little as 30 minutes


Rated Excellent

How It Works

Get In Touch

Fill out the form below or call us

Free Vehicle Assessment

Come and visit us for a vehicle assessment to determine market value and how much you are eligible to borrow

Discuss Your Options

A qualified Loan Officer will discuss a suitable payment plan and process your documentation

Get Cash In 30 minutes

Once we have the white book secured to Kwacha Loans, a tracker installed and insurance in place you will receive your money. For existing clients, this can take less than 30 minutes

Frequently asked questions

At the moment, loans are only being offered in Lusaka, we will however be coming to you soon.

No, you will still be able to drive your car while paying off your loan. Your vehicle registration will be transferred to Kwacha Loans for the duration of your payment plan and is then transferred back to you once the loan is settled. A tracker will be installed in your vehicle.

You will need to supply your details and your NRC, driver’s licence, vehicle white book and proof of residence. 

Yes, only cars registered in your name are accepted as security.

For the ultimate convenience,  you can keep your white book with us and access loans in 30 minutes every time!

Your loan can be used for emergency, personal and business use. We respect your discretion.

Apply Today!