Affiliate Disclosure 

Last Updated: September 15, 2026

Loaniva is an independent website that helps people in Zambia discover loan providers and financial services.

Some of the links on Loaniva are affiliate links. This means that when you click on certain links and complete a qualifying action, we may receive a commission from the relevant loan provider or affiliate partner.

Does This Cost You More?

In most cases, no. Clicking an affiliate link does not mean you will pay an additional fee because of our commission.

The loan provider determines its own interest rates, fees, loan amounts, repayment terms, eligibility requirements, and other conditions.

Why Do We Use Affiliate Links?

Affiliate partnerships help us cover the costs of operating and maintaining Loaniva, including website hosting, research, content creation, and ongoing updates.

Our goal is to provide useful information and make it easier for visitors to discover loan options.

Our Commitment to Transparency

We aim to feature loan providers and financial services that we believe may be useful to our visitors. Where possible, we consider factors such as reputation, availability, application process, and the information provided by the provider.

However, being featured on Loaniva does not constitute an endorsement or guarantee that a particular provider is suitable for you.

We encourage you to compare your options and carefully review the provider's terms and conditions before applying.

Loan Approval

Loaniva does not approve or reject loan applications.

We do not determine your eligibility, loan amount, interest rate, fees, repayment period, or approval decision.

These decisions are made solely by the relevant loan provider.

Important

Please remember that borrowing money is a financial commitment. Before applying for a loan, make sure you understand the total cost of borrowing, repayment requirements, interest, fees, and other applicable terms.

If you have questions about a specific loan, application, repayment, or account, please contact the relevant provider directly.

Contact Us

If you have questions about our affiliate relationships or this disclosure, please contact us:

Email: loanivaonline@gmail.com

Loaniva — Trusted Loans for Zambia