Non-Collateral Financing for Your Financial Needs

At Loaniva, we provide accessible non-collateral financing solutions to qualified applicants in selected countries.

Our financing solutions are designed to help individuals, students, entrepreneurs and businesses meet important financial needs through a simple application process.

Loan amounts from ZMW 5,000 to ZMW 2,500,000 may be available to qualified applicants, subject to approval, eligibility and applicable terms.

Financing Rate

Financing may be available at rates starting from 6% per year, depending on the applicant, financing product, location and applicable loan agreement.

The applicable interest rate, fees, repayment period and total repayment obligation will be communicated before the borrower accepts the financing agreement.

Where We Provide Financing

Loaniva's initial financing operations are focused on selected countries, including:

Loaniva does not currently provide loans to borrowers in the United States.

Our investors and funding partners are based primarily in the United States, while financing is provided to eligible borrowers in the countries where Loaniva operates.

Availability may vary by country and applicable regulatory requirements.

Our Loan Products

Student Loans

Financing designed to help eligible students meet education-related expenses, including tuition, books, supplies and approved living expenses.

Personal Loans

Financing intended for lawful personal needs, repaid through agreed monthly installments.

Business Loans

Financing designed to help eligible entrepreneurs and businesses meet approved business needs, including working capital, expansion and other business expenses.

Construction Loans

Financing intended to support eligible construction and development projects.

Refinancing

Refinancing allows an eligible borrower to replace an existing debt obligation with another financing arrangement under different terms, subject to approval.

Why Choose Loaniva?

No Traditional Collateral

Eligible applicants may obtain financing without providing traditional collateral, subject to Loaniva's requirements and assessment.

Accessible Financing

We provide financing options designed to serve eligible applicants in our approved markets.

Simple Application Process

Our application process is designed to make it easy for qualified applicants to submit the information required for assessment.

Flexible Repayment

Approved borrowers repay their financing according to the repayment schedule contained in their financing agreement.

Online Applications

Applicants who are located far from our offices may be able to complete the application process online.

Loan Amounts

Qualified applicants may apply for financing ranging from:

ZMW 5,000 to ZMW 2,500,000

The amount requested does not guarantee that the same amount will be approved. The final approved amount depends on the applicant's eligibility, financial circumstances, assessment and applicable lending policies.

How to Get Started

To begin your application:

WhatsApp: +260 764 767 849

Email: loanivaonline@gmail.com

Request an application form and our team will provide you with information about the next steps.

Important Information

Loan approval is subject to eligibility, verification and assessment.

Interest rates, fees, repayment periods and other conditions may vary according to the financing product and applicant.

Applicants should carefully review all financing terms before accepting a loan.