“We are building the next generation of financial services for AFRICA.”

Borrow

Access instant and flexible loans made for you.

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Pay

Pay bills, transfer money, and manage transactions.

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Invest

Lend to creditworthy borrowers and enjoy rewarding returns.

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Get a Loan in 30 seconds

Just download the app and create an account

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Easy Steps to Get Your Loan

Easy Application

Apply right here on our website or through the Lupiya app—fast and easy.

Flexible Options

Select type of loan and choose repayment plan and rate that works for you.

Smooth Disbursement

Once approved, your funds are sent directly to your account or creditors.

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Flexible Loan Options, Made for You

Personal Loans

Get from ZMW 500 to ZMW 250,000 for your personal needs.

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Business Loans

Boost your business with loans from ZMW 500 to ZMW 1,000,000.

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Agri Loans

Loans for farmers—fund seeds, tools, and more to grow your business.

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Bill Credit

Airtime, data, pay tv, electricity and water on credit.

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Money when you need it

Manage payments, secure loans, and invest smartly

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Coming soon

Shop and pay bills with zero balance!

Get a free virtual or physical debit card to do your online and offline shopping

Everything You Need, All in One App

Get Cash Fast

Need money in a pinch? Sign up and get a loan in just 5 minutes.

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Pay Bills Your Way

Settle your bills instantly or choose to buy now and pay later.

Send Money for Free

Transfer money to friends and family on Lupiya for free using the Lupiya tag.

Coming soon

Your Perfect Debit Card

Order your virtual or physical debit card with an overdraft feature.

Deposits and Withdrawals

Deposit or withdraw money directly to your Mobile Money wallet or bank account.

Earn by Lending to Others

Earn rewarding returns by lending to creditworthy borrowers. Start building your investment portfolio today.

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Support

Got Questions? We can help

Everything you need to know about the our services. Can’t find the answer you’re looking for? Please chat to our team.

Is Lupiya regulated?

Yes, Lupiya is regulated by the Securities and Exchange Commission, Zambia (SEC).

What is the longest repayment period for your loans?

60 Months

Tell me about your services

Lupiya is a neobank that provides digital financial solutions, making access to credit and banking services simple, fast, and convenient for individuals and small businesses.

How do I open an account with Lupiya?

Opening an account is quick and easy:
‍
1. Download the Lupiya app.
2. Sign up using your phone number or email.
3. Verify your identity by uploading the required documents.
4. Start banking with Lupiya!

Can I repay my loan early?

Yes! You can repay your loan before the due date without any penalties.