Fleximpiya
Information
Fleximpiya delivers a completely new lending experience, developed specifically for customers in Zambia who need access to funds over a longer period of time. Building on a fast and user-friendly application process, the app extends loan tenors up to 360 days, giving you greater control over personal financial management and long-term spending plans.

With the Fleximpiya App, whether you need capital to support your business operations, cover daily living expenses, or handle important financial needs, we are always ready to support you with a safe, transparent, and convenient loan solution.
Why choose Fleximpiya App as a trusted partner?
- The entire application and approval process is completed online, saving time and effort with no long waiting periods.
- Fleximpiya charges no registration fees or unnecessary transfer fees, ensuring transparency and protecting customer interests.
- No collateral or guarantor is required. The documentation is simple and can be completed in just a few easy steps on your mobile phone.
Fleximpiya is a smart long-term financing solution, helping you manage your finances more flexibly and confidently pursue your life plans. Download and install the app on Google Play and register today to enjoy exclusive offers.
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Loan Calculator
Number of Loans
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Loan AmountFrom ZMW 100 – ZMW 5,000
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Loan TermFrom 91 – 120 days
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Interest RateDaily interest rate 0.03% – 0.076%
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Loan Service FeeService fee up to 1% of the loan amount
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Eligibility RequirementsOver 18 years old, stable income
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Repayment SupportPayment via bank transfer or e-wallet
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Loan AmountFrom 300 ZMW – 5,000 ZMW
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Loan TermFrom 121 days – 365 days
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Interest RateFrom 16.71% - 23.31% per year
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Service FeeService fee 1% of the loan amount
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Eligibility RequirementsResidents of Zambia, Age between 21 and 65
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Payment SupportPay via Nguzu Advanced App
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Loan AmountFrom 5,000 ZMW to 50,000 ZMW
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Loan TermFrom 180 to 360 days
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Interest RateFrom 44.165% to 85%
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Service FeesNo registration fees
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EligibilityNo collateral or guarantor required
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Repayment SupportMonthly installment payments
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Loan AmountFrom 1,500 ZMW to 10,000 ZMW
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Loan Terminimum 100 days – Maximum 330 days
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Interest RateCompetitive rates starting from 12%
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Service FeesNo hidden fees, 100% free
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Eligibility RequirementsZambian citizens or residents aged 20–65
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Repayment SupportPayment via bank transfer and e-wallets
