By submitting this loan application, you agree to enter into a loan agreement with Pumnat Finance, subject to approval. The loan terms, including interest rates, repayment schedule, and fees, will be clearly outlined in your loan agreement document.

Interest rates are calculated based on your creditworthiness, loan amount, and repayment period. All rates comply with Zambian financial regulations and will be disclosed before loan disbursement.

To be eligible for a loan with Pumnat Finance, you must:

• • Be a Zambian citizen or permanent resident
• • Be at least 18 years of age
• • Have a valid National Registration Card (NRC)
• • Demonstrate a stable source of income
• • Provide accurate and complete information in your application
• • Meet our creditworthiness criteria

Loan repayments are due according to the schedule agreed upon in your loan contract. Late payments may incur additional fees and affect your credit rating. We offer flexible repayment options including monthly, bi-weekly, or weekly payments.

Early repayment is allowed and may reduce the total interest paid. Contact us to discuss early repayment options and any applicable fees.

All fees and charges will be clearly disclosed before loan approval. These may include:

• • Application processing fee
• • Late payment penalties
• • Early repayment fees (if applicable)
• • Administrative charges

No hidden fees will be charged. All costs will be transparently communicated in your loan agreement.

Failure to make payments as agreed may result in default. In case of default, Pumnat Finance reserves the right to:

• • Report to credit bureaus
• • Engage collection agencies
• • Take legal action to recover the debt
• • Apply additional fees and charges

We encourage borrowers experiencing financial difficulties to contact us immediately to discuss alternative arrangements.

Your personal information will be handled in accordance with our Privacy Policy and Zambian data protection laws. We may share your information with credit bureaus, regulatory authorities, and service providers as necessary for loan processing and compliance.

These terms and conditions are governed by the laws of Zambia. Any disputes will be resolved through the appropriate legal channels in Zambia.