Pumnat's Civil Service Loans provide affordable, salary-deducted financing tailored to Zambia's government employees, offering predictable terms and stress-free repayment for essential needs.
Whether you need funds for education, home improvements, medical expenses, or any other essential need, our civil servant loans are designed to support you with competitive rates and flexible terms.
Designed specifically for government employees with your needs in mind
Low interest and service fee, one of the most competitive rates on the market for civil servants
Borrow from K500 up to K250,000 based on your salary level and employment status
Hassle-free repayments, no need to visit a branch or make manual transfers
Loans are backed by your employment, not your property. No assets at risk
Get access to funds within 24–48 hours of approval directly to your account
Enjoy repayment flexibility with tenures of up to 36 months to suit your budget
To qualify for a Civil Service Loan with Pumnat, you must meet the following requirements:
Have been in government employment for at least 6 months
Be over 18 years of age
Provide a valid National Registration Card (NRC)
Consent to salary-based deductions through your employer
Complete Pumnat's simple KYC (Know Your Customer) process
Get your civil servant loan in 5 simple steps
Complete a quick online form via Pumnat's mobile or web app
Upload KYC documents and employer confirmation
We work directly with your employer for verification
Loans are approved quickly and disbursed to your account
Monthly deductions are made directly from your salary
