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Faq Questions
Explore Your Questions.
Only Zambian public service workers (civil servants) are eligible to apply. You must be on the government payroll and able to provide valid employment details.
Yes. First-time applicants must apply in person for identity and verification purposes. After your first successful loan, you may qualify for online re-applications.
Loan amounts depend on your net salary and repayment capacity, typically up to 60% of your net pay, including interest. A Uthali loan officer will advise you after assessment.
Once approved and verified, disbursement is usually done within 12 hours, depending on your payroll processing cycle.
You’ll need the following:
National Registration Card (NRC)----------Recent Payslip (within 3 month)----------Proof of employment (e.g. introduction letter)----------Mobile money number or bank details----------Last 3 Months Bank Statements
Repayments are done via monthly salary deductions, directly from PMEC.
Yes, you may apply for a top-up loan after partial repayment of your current loan—subject to assessment and eligibility.
Yes. We follow Zambia’s Data Protection Act, and all customer information is stored securely and used only for legal and operational purposes.
Why Choose Us
Explore Why You Will Choose Us.
Civil Servant Focused
We understand the unique needs of government workers and design our products with their realities in mind.
Flexible Repayment Terms
Enjoy convenient monthly deductions directly from your payroll.
Quick & Easy Application
Apply online with minimal paperwork and receive quick approvals.
Transparent Services
No hidden fees. No surprises. Just honest lending.