Apply online
Fill in one form with your details, your ministry and your bank account. It takes about ten minutes on a phone.
Quick, Transparent Micro-Loans Exclusively for Zambian Civil Servants
Borrow from K500 to K50,000 against your government salary. One clear fee, one fixed monthly instalment, and the money in your bank account within one business day of approval.
Choose your entrance
Borrowers apply and track repayments in the user portal. Artos staff review applications in the operations console.
Civil servants only1 business day disbursementNo hidden chargesZMW 500 to ZMW 50,000
Know the cost before you apply
Work out your repayment right now
Move the slider and pick a term. Every figure below is exactly what you would repay, fee included. Nothing is added later.
K5,000Zambian Kwacha
K500K50,000
Over how many months?Interest is 10% per month on the balance you still owe, so a shorter term costs you less.
Your repayment
Monthly instalment for 3 months
K2,111.10
- Amount requested
- K5,000.00
- Processing fee (5%)
- K250.00
- Amount financed
- K5,250.00
- Total interest
- K1,083.31
- Total repayment
- K6,333.31
A worked example
K5,000 borrowed for one month
Here is the arithmetic in full, so there is nothing left to work out for yourself.
You ask for
K5,000
Processing fee, 5%
K250
Amount financed
K5,250
Interest, 10% for 1 month
K525
You repay in total
K5,775
K5,000 plus a K250 fee is K5,250 financed. Ten percent interest on that balance is K525, giving one repayment of K5,775.
Four steps, start to finish
From application to money in the bank
We verify your employment
We check your NRC, your employee number and your payroll details with your institution. No employer letter to chase.
A decision within hours
Applications received on a working day are reviewed the same day. You see the decision and the exact figures in your account.
Money in your bank
Approved loans are paid directly into the account you gave us, within one business day of approval.
Take Artos with you
Get the app
The store listings are on the way. In the meantime you can install the Android build directly, or simply use the site in your browser, which works exactly the same.
Who we lend to
Built around the government payroll
Artos Loans exists for one group of people: Zambian civil servants. Teachers, nurses, police officers, council staff and ministry employees. Because we understand how the government payroll works, we can verify you quickly and lend without the collateral, guarantors and paperwork a bank would ask for.
- Employed by a ministry, agency or local authority
- A valid NRC and a current employee number
- A bank account in your own name
- A phone number we can reach you on
Serving staff across government
Education, health, home affairs, agriculture, local government and the uniformed services. If you are on the government payroll, you can apply.
