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What is Loaniva?
Loaniva is a financing company that provides financing solutions to eligible individuals, students, entrepreneurs and businesses in selected markets.
Our financing products include personal loans, student loans, business loans, construction loans and refinancing.
Where does Loaniva operate?
Loaniva initially provides financing in selected markets, including Zambia, Malawi, Zimbabwe and other approved countries.
Availability depends on the country, applicable requirements and regulatory authorization.
Does Loaniva provide loans in the United States?
No. Loaniva does not currently provide loans to borrowers in the United States.
The United States is primarily a source of investment and funding for Loaniva's operations. Our lending activities are focused on selected markets outside the USA.
How much can I apply for?
Qualified applicants may apply for financing ranging from ZMW 5,000 to ZMW 2,500,000, depending on the financing product and applicable eligibility criteria.
The amount requested does not guarantee that the same amount will be approved.
What interest rate does Loaniva offer?
Loaniva financing may be available at rates starting from 6% per year, depending on the applicant, financing product, location and applicable financing agreement.
The applicable interest rate and total repayment obligation will be provided before the financing agreement is accepted.
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Eligibility Questions
Who can apply for a Loaniva loan?
Loaniva financing may be available to eligible:
• Students;
• Government employees;
• Private-sector employees;
• Self-employed individuals;
• Business owners; and
• Other applicants who meet the applicable requirements.
What is the minimum age to apply?
Applicants must generally be 18 years old or above, or meet the applicable legal age requirement in their jurisdiction.
Do I need collateral?
Certain Loaniva financing products may be available without traditional collateral.
However, applicants must still satisfy the applicable eligibility, verification and assessment requirements.
Do I need proof of income?
Depending on the financing product, applicants may be required to provide proof of income.
This may include recent bank statements, payslips or other acceptable evidence of financial capacity.
Can students apply?
Yes. Eligible students may apply for student financing.
Student applicants may be required to provide a Grade 12 certificate, admission letter and other supporting documentation.
Can self-employed people apply?
Yes. Self-employed applicants may apply if the relevant financing product is available in their country and they can provide sufficient evidence of income or business activity.
Can business owners apply?
Yes. Loaniva offers business financing to eligible businesses and entrepreneurs, subject to assessment and approval.
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Application Questions
How do I apply?
To get started, contact Loaniva through our official WhatsApp number or email and request an application form.
WhatsApp: +260 764 767 849
Email:loanivaonline@gmail.com
Can I apply online?
Yes. Online applications may be available to applicants in countries where Loaniva provides financing.
Applicants who are located far from a Loaniva office may also be able to complete the application process online.
What documents do I need?
Requirements depend on the financing product.
Applicants may be asked to provide:
• National Identification Card or passport;
• Proof of income;
• Bank statements;
• Recent payslips;
• Proof of address where applicable;
• Student or educational documents where applicable;
• Business documents where applicable; and
• Other supporting documents required during assessment.
What does a student need to apply?
A student may be required to provide:
• Grade 12 certificate;
• Admission letter;
• Valid identification; and
• Other educational or financial documents required for assessment.
What does a non-student applicant need?
A non-student applicant may be required to provide:
• Valid identification;
• Bank statements, where applicable;
• Recent payslips or other proof of income;
• Proof of address where applicable; and
• Other documents required during assessment.
Do I need a bank account?
Applicants generally need an active bank account, mobile-money account or approved e-wallet through which approved financing can be transferred.
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Approval & Funding
How long does it take to receive financing?
Processing and funding times vary depending on the applicant's location, documentation, verification and financing product.
Once all required formalities have been completed, approved financing may be transferred according to the applicable financing agreement.
Will I automatically receive the amount I request?
No. The requested amount is subject to assessment.
Loaniva may approve an amount that is different from the amount originally requested.
Does submitting an application guarantee approval?
No.
Every application is subject to eligibility checks, verification, assessment and approval.
What happens after my application is approved?
If your application is approved, you will receive the applicable financing terms, including information about the approved amount, interest rate, fees, repayment period and repayment obligations.
You should carefully review the financing agreement before accepting it.
Where will my money be sent?
Approved financing may be transferred to your approved bank account, mobile-money account or other eligible payment account after all required conditions have been completed.
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Fees & Repayment
Are there fees associated with financing?
Applicable fees depend on the financing product and the applicant's circumstances.
Any mandatory fees should be disclosed before payment is required.
What is the non-collateral fee?
Where applicable, Loaniva may charge a non-collateral or related financing fee.
For example, if the applicable fee is 4.2%, a ZMW 10,000 financing amount would result in a fee of ZMW 420.
The actual applicable fee will depend on the financing agreement and applicable requirements.
Does paying a fee guarantee that my loan will be approved?
No.
Payment of a fee does not by itself guarantee financing approval.
Applicants should carefully verify any payment request through Loaniva's official communication channels.
How do I repay my loan?
Borrowers repay their financing according to the repayment schedule contained in their financing agreement.
Depending on the applicable arrangement, repayments may be made through approved bank transfers, monthly deductions or other authorized payment methods.
Can I get another loan after paying off my existing loan?
Eligible existing customers may apply for additional financing after clearing a previous loan.
Any new application remains subject to assessment and approval.
What happens if I have difficulty making a repayment?
If you anticipate difficulty making a scheduled repayment, contact Loaniva as soon as possible.
Depending on your circumstances, financing agreement and applicable law, Loaniva may discuss available options with you.
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Security & Customer Protection
How can I verify that I am communicating with Loaniva?
Use the official contact information published on the Loaniva website.
WhatsApp: +260 764 767 849
Email:loanivaonline@gmail.com
Be cautious of anyone using different contact details while claiming to represent Loaniva.
Will Loaniva ask for my banking PIN or password?
No.
Never provide your bank PIN, password, one-time password or other confidential banking security credentials to anyone claiming to represent Loaniva.
What information does Loaniva collect?
Depending on your application, Loaniva may collect personal, identification, employment, income, financial and other information necessary to process and assess your application.
For more information, please read our Privacy Policy.
Is my information protected?
Loaniva takes reasonable measures to protect applicant and customer information and handles personal information according to its Privacy Policy and applicable laws.
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Referral Program
Can I refer someone to Loaniva?
Where the Loaniva referral program is available, eligible customers may refer other potential applicants.
Do customers receive a referral commission?
A referral reward of up to 2% may be available under the applicable referral program terms.
Referral rewards are subject to the program's eligibility requirements, conditions and applicable policies.
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Contact Loaniva
How can I contact Loaniva?
WhatsApp: +260 764 767 849
Email:loanivaonline@gmail.com
Address:
Loaniva
10 Kwacha Building
Mbala, Northern Province 10100
Zambia
If you have a question that is not answered here, please contact our team directly.
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