---
title: "Lupiya: Loan App in Zambia & Tanzania — Fees"
description: "Get digital loans in Zambia/Tanzania: ZMW 500–250,000 personal, up to ZMW 1,000,000 business. 62 days–60 months, max APR 40%, K50 fee."
canonical_url: "https://liners.com/lupiya"
markdown_url: "https://liners.com/lupiya.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/lupiya/screenshot.webp?v=1773249535247"
published_at: "2026-03-18T20:26:39.624Z"
updated_at: "2026-10-02T19:06:38.636Z"
---

# Lupiya: Loan App in Zambia & Tanzania — Fees

Get digital loans in Zambia/Tanzania: ZMW 500–250,000 personal, up to ZMW 1,000,000 business. 62 days–60 months, max APR 40%, K50 fee.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Lupiya](/lupiya)

## Summary

Fast digital loans, payments, and lending-based investing

An AI-powered neobank for individuals, civil servants, SMEs, and farmers in Zambia and Tanzania to apply for digital loans, pay bills, send money, and invest.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.lupiya.com/ |
| Tagline | Fast digital loans, payments, and lending-based investing |
| Primary country | Zambia |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Lupiya is an AI-powered neobank for individuals and small businesses in Zambia (and Tanzania) that offers digital credit, payments, and lending-based investing.

Key capabilities include:

- **Digital loans** across personal, SME, and agriculture use cases, including products such as **salary advances**, **civil servant loans**, **Zambia Defence Forces loans**, **order finance**, **invoice discounting**, **asset financing**, and **agri loans**. Published ranges include **ZMW 500 to ZMW 250,000** for personal loans and up to **ZMW 1,000,000** for business loans, with tenures shown as **62 days to 60 months** and a stated **maximum APR of 40%**.
- **Fast applications and disbursement** via online application flows, with options to apply on the website, in the mobile app, and via **USSD (378#)* for feature phones. The site also publishes a representative SME loan example (K1,000,000 over 12 months at 2.5% interest).
- **Payments and transfers**, including bill payments and money transfers, plus in-app transfers to other users using a **Lupiya tag**.
- **Investments (peer-to-peer lending)** via **Lupiya Invest** (waitlist available), allowing users to lend to borrowers for returns.

Available on **Web**, **Android**, and **iOS**.

Target users include **civil servants**, **SMEs**, **farmers**, and other underbanked customers in Zambia and Tanzania who need credit without traditional collateral, plus partners using the **agent** channel.

Notable in the African fintech market for expanding access to credit using **alternative data and AI-driven credit scoring**, offering published loan terms and APR caps, and operating a regulated peer-to-peer lending model in Zambia (SEC approval noted in the product brief).

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Tanzania](/countries/tanzania): Market
- [Zambia](/countries/zambia): Market

## Related pages

- [Alternatives](/lupiya/alternatives)
- [Reviews](/lupiya/reviews)
- [Transparency](/lupiya/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/lupiya)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)