How It Works

Getting started with Loaniva is designed to be simple.

1. Contact Loaniva

Contact us through WhatsApp or email and request an application form.

WhatsApp: +260 764 767 849

Email:loanivaonline@gmail.com

2. Complete Your Application

Complete the application form and provide the required information and supporting documents.

3. Verification

Our team reviews the information provided and may conduct identity, income and other necessary verification checks.

4. Application Assessment

Your application is assessed according to the applicable financing criteria.

5. Receive Your Financing Terms

If your application is approved, you will receive information about:

• Approved financing amount;

• Interest rate;

• Applicable fees;

• Repayment period;

• Monthly repayment;

• Total repayment amount; and

• Other applicable conditions.

6. Accept the Agreement

Review the financing agreement carefully before accepting it.

7. Funding

Once all required formalities have been completed, approved financing is transferred to the applicant's approved bank account, mobile-money account or e-wallet.

8. Repayment

The borrower repays the financing according to the agreed repayment schedule.

Repayment may be made through approved payment methods, including monthly transfers or other arrangements agreed in the financing agreement.