Start your application here and receive cash
minutes after approval.
Zambia-registered
Certified money lender and licensed by the Ministry of Finance.
Your data is safe
256 bit encryption. Your Personal Info is never sold or shared
Transparent terms
Clear loan agreements with no hidden charges or surprises
How It works
Get your loan in three simple steps
Apply online
Fill in your details fast and select your loan type.
Get approved
Our team reviews your application quickly
Receive funds
Approved funds are transferred directly to your account.
Our loan products
Choose the loan that fits your needs
Personal Loans
For emergencies, school fees, business needs, and planned expenses. Open to any salaried employee in Zambia.
Civil service loans
Built for civil servants with structured repayment deducted at source. Low rates, flexible terms
Gadget finance
Get the phone, laptop, or device you need now and pay over time. Flexible installment plans.
Motor Vehicle Backed Loans
Drive your car, access your cash. Use your registered vehicle as collateral for fast, flexible financing.
Real Estate Backed Loans
Put your property to work. Access larger loan amounts at competitive rates using your real estate as collateral.
Military Service Loans
Built for Zambia Defence Force personnel. Repayment structured around military pay cycles.
Why Choose Adaku?
Trusted by civil servants and professionals across Zambia.
2000+
Loans disbursed
Helping Zambians achieve their financial goals
24Hrs
Average approval time
Fast decisions so you can move forward quickly
100%
Zambian-owned
A local company serving our community
At Adaku, we believe access to finance should be simple, transparent, and stress-free. That’s why we’ve built a system that puts control in the hands of civil servants across Zambia. With just a few...
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Frequently asked Questions
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Fast, transparent loans for Zambian civil servants and professionals
Services
- Personal Loans
- Civil Service Loans
- Gadget Finance
- Motor Vehicle Backed Loans
- Real Estate Backed Loans
Company
- About Us
- How it works
- Our Products
- Why Choose Adaku
- FAQs
Contact Us
- 0978494902 / 0960276058
- info@adaku.co.zm