We bring the best possible loan options for civil servants.

Salary-backed loans for the private sector
Empowering employees with quick access to cash when it’s most needed.
Employers take advantage of this offering by signing a Memorandum of Understanding to allow their employees to have access to quick unsecured loans on Lupiya. Read more to learn the various benefits of this offering for your company.
Trusted by some of Zambia’s best employers:





Benefits for Employees & Employers.
Employee loans, as a staff benefit, promote financial freedom and well-being, boosting recruitment, retention, and loyalty. These loans address unexpected needs, preventing productivity loss and offering favorable terms compared to traditional lenders. Employee loans serve as an accessible financial lifeline for those who may not qualify elsewhere.
No Admin for Employers
Free your team from managing internal loan schemes that demand significant admin effort, distracting from core business functions by outsourcing employee loans to Lupiya.
No Legal & Tax Implications
Avoid legal and tax implications of administering internal employee loan schemes by outsourcing the lending to Lupiya.
No Resentment from Staff
Administering an internal loan scheme might cause resentment from staff who are denied access to the facility when they do not qualify.
No Financial Strain on the Employer
Employers can be overwhelmed if the loan requests are too high, causing a financial strain. Free your cashflow by outsourcing lending to Lupiya.
Avada has been a lifesaver for my growing business.
Morbi bibendum eu velit mattis aliquam. Nulla ac ullamcorper dui, in dictum nibh. Aliquam ac dictum nunc, eget auctor est.
Richard Simms
Founder – Hemisferio
Avada was the missing piece of the puzzle.
Morbi bibendum eu velit mattis aliquam. Nulla ac ullamcorper dui, in dictum nibh. Aliquam ac dictum nunc, eget auctor est.
Kate Schadler
Founder – Hemisferio