Embedded Files
Effective Date: 18 Sept 2026
These Terms and Conditions govern your use of the Loaniva website and financing services.
By accessing this website or applying for financing, you agree to these Terms and Conditions.
1. Financing Services
Loaniva provides financing services to eligible applicants in selected countries where its applicable services are available.
Loaniva does not currently provide loans to borrowers in the United States.
The United States may serve as a source of investment and funding for Loaniva's operations.
2. Eligibility
Applicants must satisfy the applicable age, identification, income, documentation and other requirements.
Meeting the minimum requirements does not guarantee approval.
3. Application Information
Applicants must provide accurate, complete and truthful information.
Loaniva may request additional documentation where necessary to verify an application.
4. Verification
Loaniva may conduct identity verification, income verification, fraud-prevention checks, affordability assessments and other lawful checks.
5. Financing Approval
All financing is subject to assessment and approval.
Loaniva may approve a different amount from the amount originally requested.
6. Interest and Fees
Applicable interest rates, fees and charges depend on the financing product, applicant and applicable agreement.
Any applicable fees will be disclosed before the applicant becomes obligated to pay them, subject to applicable law.
7. Repayment
Borrowers must repay their financing according to the repayment schedule contained in their financing agreement.
Failure to make repayments may result in consequences specified in the financing agreement and permitted by applicable law.
8. Insurance
Where applicable, financing may be subject to insurance arrangements.
Any insurance coverage, exclusions, costs and conditions will be disclosed in the applicable financing documentation.
9. Referral Program
Where Loaniva operates a referral program, eligible customers may receive a referral reward according to the applicable referral-program terms.
Referral rewards are subject to the program's rules and may vary.
10. Online Applications
Applicants may apply online where online applications are available in their country.
Applicants remain responsible for ensuring that the information submitted is accurate.
11. Communications
Loaniva may contact applicants and borrowers concerning applications, financing, repayments, account servicing and other legitimate business matters.
12. Privacy
Personal information is handled according to the Loaniva Privacy Policy and applicable privacy laws.
13. Prohibited Activities
Users must not use the Loaniva website for fraud, impersonation, unauthorized access, unlawful activity or other prohibited purposes.
14. Changes
Loaniva may update these Terms and Conditions from time to time.
The updated version will be published on the website.
15. Applicable Law
The applicable law governing a financing relationship may depend on the borrower, financing product and jurisdiction.
The relevant financing agreement will identify the applicable governing law where required.
16. Contact
Loaniva
10 Kwacha Building
Mbala, Northern Province
10100
Zambia
WhatsApp: +260 764 767 849
Email: loanivaonline@gmail.com
Page updated
Google Sites
Report abuse