FINCA Zambia

Lusaka, Zambia
Micro finance
Personal banking
Payroll and HR services
FINCA Zambia is a subsidiary of FINCA International, a global micro finance network that offers financial services and products to small scale businesses. FINCA helps its clients achieve their life goals conveniently to build a business, acquire assets, improve their living conditions or invest. The company provides well-designed, responsible, and affordable products including micro and small business loans, credit lines, savings, transactional services and more. For your convenience, FINCA has a secure mobile banking service and over 75 express agents.

Micro finance

FINCA Zambia provides small enterprise, business and group loans. Their range of products have been designed to help clients build wealth and security for their future through sustainable savings. All products are tailor made to suit the needs of low and medium income entrepreneurs.

Finca Zambia loans help entrepreneurs to grow their business and generate income they need to reinvest and create employment. The savings products have attractive interest rates and flexible terms to suit your needs and help you achieve your goals.

Small enterprise loan

This loan product is designed for entrepreneurs with much bigger businesses and who may need a larger amount of loan to boost up their working capital. This product requires minimum documentation and flexible collateral.

Business loan

This is an individual loan product that offers an opportunity for business owners who need working capital to expand their businesses, keep them running or take it to the next level. This product is very affordable.

Small group loan

This loan product is designed for men and women with businesses that are slightly bigger than those financed by our village bank product. This product is easily accessed and offers a much wider range of loan amount.

Village bank loan

Regardless of how small your business is this product offers you an opportunity to realize your business growth ambitions which should not be constraint by lack of capital or collateral.

Micro finance
FINCA Zambia · Micro finance

Personal banking

FINCA Zambia savings products have been designed to help clients to build wealth and security for their future through sustainable savings. These accounts have attractive interest rates and flexible terms to suit your needs and help you achieve your goals.

Flex Account

FINCA Flex account is a transactional account that is designed for both personal and business needs. This account can be used for any transactions. The Flex Account embeds Flex insurance which is a free life and hospitalization insurance policy provided that the account holder maintains an average account balance of only ZMW 10 each month.


FINCA Saver is an easy and affordable account which offers a platform to make frequent transactions at no cost with no maintenance fees. This account offers an affordable savings platform suitable for all individuals. The savers account can be used to save money for a rainy day, school fees, a wedding and any other event that one would like to save for.

Fixed Term Deposit

Fixed Term Deposit offers customers an opportunity to build their wealth and secure their future through sustainable savings. Fixed Term Deposit account is designed to suit the needs of individuals, entrepreneurs or companies that wish to save money for a long period of time without withdrawing it or watch their money multiply as a result of high interest accruals.

Corporate Account

This is a business account designed for owners of profitable businesses. With this account, business owners have an option of accessing payroll services, funds transfer and other value additional services.

Personal banking
FINCA Zambia · Personal banking

Payroll and HR services

FINCA Zambia provides solutions for administrative and financial challenges faced by business owners when disbursing salaries to their employees. The company will process salary payments on behalf of employers at a lower cost by eliminating paperwork and improving security, whilst providing employees with better service and value for their hard work.

FINCA Zambia provides complete payroll services to small and big employers when preparing salaries for their employees. The company's goal is to help businesses minimise their costs while maximising the reward.

Payroll service benefits to the employer include:

  • Quicker salary processing times
  • Enhanced security
  • Reduced cost
  • Increased satisfaction and welfare
  • Access to other FINCA products and services

Payroll service benefits to the employee include:

  • Simplicity and security
  • Improved income management

Services for your convenience

Mobile banking

Customers can use the FINCA mobile platform for various transactions by dialing *200# or downloading the app from Google Playstore. They can use it to pay bills, transfer funds, set up a standing order, view mini statements and move money between their FINCA account to their mobile money wallets and vice versa.

Transfering money to or from FINCA account to mobile wallet allows for an enhanced degree of convenience as customers can cash in and out at mobile money agents. Mobile Banking is all about convenience at your fingertips.

FINCA express

With over 75 FINCA express agents, customers can transact from third party agents closer to their homes and businesses. They can make deposits, withdraws, check account balances and acquire account statement through a simple fingerprint, using biometric scans at any FINCA agent .

Payroll and HR services
FINCA Zambia · Payroll and HR services
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