Licensed Financial Services Provider — Zambia
Bridging the gap when it matters most
Longhorn Financial Services offers loans that are convenient and impactful. We exist to tailor financial solutions that ensure our customers' needs are met in a caring and consistent manner.
5+
Loan Products
1,000+
Clients Served
48hrs
Fast Approval
The Longhorn Way
Caring. Consistent. Committed.
About Us
Providing innovative financial solutions
At Longhorn Financial Services, we are dedicated to unlocking the full potential of your financial future. With years of expertise in the financial industry, we stand as your trusted partner on the path to financial success.
Longhorn Financial Services is committed to providing accessible and reliable financial solutions to individuals and businesses across Zambia, fostering economic empowerment through tailored financial products.
Integrity
We do what is right, even when no one is watching.
Accessibility
Financial services within reach of every Zambian.
Partnership
We grow when our clients grow — your success is ours.
Speed
Quick decisions and fast disbursements, without shortcuts.
Our Products
Financial solutions for every need
Whether you are an individual, a business, or a community group, we have a product designed to move you forward.
Civil Servant Loans
Repayment made effortless.
Designed specifically for permanently employed government workers. Repayments are recovered automatically through payroll partnerships, so you repay effortlessly every month without missing a payment. Terms from 6 to 36 months.
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Group Loans for Women
Empowerment through partnership.
Combining peer lending with financial empowerment in rural and peri-urban areas. Registered groups of 5 to 30 women access capital with peer guarantees and financial literacy training included, repaid weekly.
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SME Business Loans
Working capital to grow.
Structured for small and medium business owners needing working capital for restocking, equipment, expansion, or managing cash-flow gaps. Flexible terms from 3 to 12 months for registered SMEs.
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Invoice Financing
Get paid without the wait.
Don't let unpaid invoices hold your business back. We release up to 80% of your verified invoice or Local Purchase Order (LPO) value immediately, so you can keep operating while waiting for clients to pay. Repayment window of 30 to 90 days.
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Payday Loans
Life doesn't wait for payday.
Fast access to up to 40% of your net pay for employees of partner firms — ideal for emergencies, school fees, or medical expenses. Processed in 24 to 48 hours and repaid directly from salary over 1 to 3 months.
Apply NowNot sure which loan fits?
Talk to our team and we will help you find the right solution for your situation — no obligation.
FAQs
Frequently asked questions
Answers to the questions we hear most. Can't find yours? Get in touch.
Any Zambian citizen or registered business that meets our basic requirements — a valid NRC, proof of income or business activity, and an active bank or mobile money account. Specific products may have additional requirements.
Most applications are assessed within 24 hours, and approved loans are typically disbursed within 48 hours. Payday and emergency loans are often even faster.
For individuals: your NRC, latest payslips or proof of income, and bank statements. For businesses: registration documents, financial records or bank statements, and directors' identification. Our team will guide you through the exact list for your product.
Not always. Salary-backed and payday loans generally require no collateral. Larger SME facilities may require security depending on the amount — we will discuss options with you openly before you commit.
Yes. We encourage early repayment and do not punish you for it. Settling early reduces the total interest you pay.
Yes. We are a licensed and regulated financial services provider in Zambia, and we adhere to responsible lending practices and full regulatory compliance.
Contact Us
Ready to move forward?
Apply for a loan or ask us anything — our team responds quickly, in a caring and consistent manner.
- Phone / WhatsApp
- +260 97 000 0000 (placeholder)
- info@longhornfinancial.co.zm (placeholder)
- Head Office
- Lusaka, Zambia (full address to follow)