Credit that understands the government payroll

We are a Zambian lender serving the people who run the country: teachers, nurses, police officers, council staff and ministry employees.

Our story

Built for a gap nobody else was filling

Zambian civil servants have steady, verifiable income. Yet when a school fee is due, a relative falls ill or a roof needs fixing before the rains, the options are poor. Bank facilities take weeks and want collateral. Informal lenders are quick but expensive, and the true cost is rarely written down anywhere.

Artos Loans was founded to close that gap with something honest. We lend small amounts, from ZMW 500 to ZMW 50,000, over one to twelve months. Because we verify employment directly against government payroll records, we can move in hours rather than weeks, and we can price fairly because we know the income is real.

Everything is written down before you commit. Our calculator shows you the fee, the monthly instalment and the total repayment on the same screen, month by month, before you fill in a single form. Our promise is the one on our badge: your problems end here.

What we stand for

Four commitments we hold ourselves to

One price, stated up front

A 5% processing fee and 10% monthly interest on what you still owe. That is the whole price list. No arrangement charges, no insurance you did not ask for, no penalty that appears at the end.

Speed that respects your time

You should not have to take a day off work to borrow a small amount of money. Apply from your phone, get a decision the same working day, and see the funds within one business day of approval.

Lending we can stand behind

We size every loan against what your salary can genuinely carry. If the instalment would leave you short, we will say so rather than approve it and hope.

Your documents stay yours

Your NRC photographs and verification video are used to confirm you are who you say you are, and for nothing else. They are stored securely and never shared or sold.

Loan rangeK500 to K50,000Sized against what your salary can carry

Terms available1 to 12 monthsFixed instalment, no surprises

Processing fee5%Financed with the loan, nothing paid up front

Disbursement1 business dayStraight into your own bank account

Borrowing responsibly

A short-term loan is not a long-term answer

Our loans are designed to cover a genuine short-term need, not to be rolled over indefinitely. Ten percent per month is a meaningful cost, and we would rather you saw that clearly and borrowed less than see you take more than you need. Use the calculator, take the shortest term you can comfortably manage, and talk to us early if your circumstances change.

See how it works Talk to our team