Lupiya logo

Lupiya

by Lupiya · Since 2016
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ActiveAvailable globallyCloud
Quick facts
VendorLupiya
Year launched2016
StatusActive
LocationCounting House, Suite 1, Thabo Mbeki Rd Lusaka | Zambia
Countries servedGlobal
Languages1
Integrations
Free tier
Free trial
Contact salesYES

About Lupiya

Lupiya is a loan platform from Lupiya that provides fast, affordable loans to Zambia’s Civil Servants, Businesses, Defence Forces, Farmers, Yango drivers, and more. It includes features such as quick loan approval, user-friendly application process, and instant cash disbursement so users can access funds when needed. The platform allows borrowers to apply for a loan within 30 seconds and offers an easy-to-use app for managing their loans. With its focus on supporting Zambians from various sectors, Lupiya helps meet financial needs efficiently. Key capabilities: quick loan approval user-friendly application instant cash disbursement comprehensive loan management multi-sector support Best for: individuals and businesses in Zambia that need immediate access to funds.

Lupiya is a dynamic fintech platform designed to simplify access to financial services in Africa by combining instant loans, bill payments, and investment opportunities within a single, user-friendly application. The platform empowers individuals and businesses to secure short-term and long-term financing, manage everyday transactions, and grow wealth by lending to creditworthy borrowers. With Lupiya, users can apply for personal, business, or agricultural loans quickly and efficiently, choosing flexible repayment plans that suit their financial situation, with disbursement directly to accounts or creditors. The platform also provides upcoming features like bill credit, debit cards, and overdraft-enabled shopping options, ensuring that financial services are accessible even in cash-constrained situations. Lupiya’s app facilitates seamless payments, money transfers, and deposits or withdrawals to mobile money wallets and bank accounts, all while maintaining high standards of security and transparency. The fintech leverages technology to automate loan approvals, monitor repayment schedules, and calculate interest, giving users clarity and convenience in managing their finances. Its venture-backed infrastructure ensures reliability, scalability, and rapid adoption across markets.

Pros & Cons

What users like
  • +Fast and convenient loan disbursement provides users with immediate financial access
  • +Flexible repayment plans tailored to individual user needs improve affordability
  • +Integrated ecosystem allows borrowing, bill payments, and investing in one app
  • +Zero-fee transfers within the app reduce transaction costs for users
  • +Accessible via mobile app for convenient financial management on-the-go
What users flag
  • Dependent on internet connectivity for app functionality limits offline usage options
  • APR can be high for longer-term loans increasing repayment burdens significantly
  • Limited features for users without mobile money or bank accounts
  • Physical debit card issuance may take time delaying full account access

Features

Key features

Instant Loans – Apply and receive funds quickly for personal, business, or agricultural needs.
Flexible Repayment Plans – Choose repayment terms from 62 days up to 60 months with adjustable schedules.
Bill Payments – Pay utility bills, airtime, TV subscriptions, and more directly via the platform.
Investment Opportunities – Lend to verified borrowers and earn attractive returns.
Money Transfers – Send money to friends or family for free using the Lupiya app.
Debit Card Integration – Virtual or physical debit cards for shopping online and offline.
Loan Management Tools – Track repayments, service fees, and due dates for better financial control.

Additional features

Instant Loans – Quick access to personal, business, and agricultural loans.
Flexible Repayment Plans – Multiple tenure options and adjustable repayment schedules.
Bill Payments – Utility and service payments in one place.
Investment Opportunities – Lend to borrowers and earn returns.
Money Transfers – Peer-to-peer transfer functionality with zero fees.
Debit Card Integration – Virtual and physical debit cards with overdraft options.
Deposits & Withdrawals – Seamless integration with bank accounts and mobile wallets.
Loan Calculator – Helps estimate monthly repayments and total loan costs.
Loan Notifications – Alerts and reminders for due dates and payments.
User-Friendly Mobile App – Intuitive interface for managing loans, payments, and investments.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Countries & Languages

Global
Countries served
1
Interface languages
1
Billing currencies

Interface languages

English

Billing currencies

🇺🇸USD

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