Fast Salary‑Backed
Loans — 100%
Online.
Apply in minutes using your payslip and employment letter. No branch visits. No paperwork. Funds sent straight to your bank account or mobile money within 24 hours.
Get Your Loan in 4 Steps
The entire process — from application to disbursement — happens online.
Register & Verify
Create your account in under 2 minutes. Enter your NRC, phone number, and employer details. OTP verified instantly.
Upload Documents
Upload your payslip, employment letter, and NRC. Our loan officers verify employment within 24 hours.
Select Your Loan
Choose Short-Term or Long-Term loan. Use our eligibility checker to see exactly how much you qualify for.
Receive Funds
Approved loans are disbursed directly to your bank account or mobile money wallet. Disbursement runs daily at 10:00 and 14:00.
2 Loan Products. One Platform.
Two purpose-built loan types for public and private sector employees across Zambia — no hidden figures, full transparency.
Short-Term Loan
Quick access to funds with interest calculated monthly on your declining balance. Ideal for emergency expenses, salary advances, and short-term cash needs. The faster you repay, the less interest you pay.
Apply NowLong-Term Loan
Larger amounts for major life expenses with equal monthly instalments throughout the term. Fixed monthly rate on your original principal. Insurance Fee (2%) and Arrangement Fee (5%) deducted upfront — not added to your repayable balance.
Apply NowLoan Repayment Calculator
Adjust the sliders to see your estimated monthly deduction before you apply. Short-Term uses reducing-balance; Long-Term uses flat-rate with fees deducted upfront. No login required.
Short-Term Loan uses the reducing-balance method. Interest is charged monthly on your declining balance — the faster you repay, the less interest you pay.
Fees deducted from disbursed amount: Insurance Fee (2%) + Arrangement Fee (5%). These are NOT added to your repayable balance.
Serving All Employed Zambians
DimeWell is open to verified employees across both the public and private sector.
Public Sector
Min. salary K2,500 · 6 months employment
- Government ministry employees
- Statutory bodies — ZESCO, ZAMTEL, ZNBC, BoZ, RATSA
- Local authority staff (city & municipal councils)
- Teachers, nurses, police, immigration officers
- Armed forces & defense personnel
Private Sector
Min. salary K3,000 · 6 months employment
- Registered company employees (formal payroll)
- NGOs, foundations & international organisations
- Private school, college & university staff
- Private hospital, clinic & pharmacy staff
- Bank & financial institution employees
Trusted by Employees Across All Sectors
From government ministries to private companies, NGOs, schools, and hospitals — DimeWell serves formally employed Zambians everywhere.
Government
84+ Ministries
Banks & Finance
All major banks
Hospitals
Public & Private
Schools
All levels
NGOs
Local & Int'l
Companies
Registered firms
Built for Zambian Employees
Every feature is designed around one goal — making salary-backed lending fast, fair, and fully digital.
100% Mobile-Friendly
Apply, upload documents, and track your loan entirely from your phone. Optimised for low-end Android devices and all Zambian networks.
Same-Day Disbursement
Funds disbursed within 24 hours of approval. Two daily runs at 10:00 and 14:00 — directly to your bank or mobile money wallet.
Fully Transparent
Total cost of credit, monthly deduction, and all fees shown clearly before you submit. No hidden charges. Full BOZ interest disclosure.
Bank-Grade Security
AES-256 document encryption, OTP phone verification, CSRF protection, rate limiting, and full audit logging on every action.
Flexible Disbursement
Receive funds via Zanaco, ABSA, Stanbic, FNB, or Access Bank. Also supports MTN Mobile Money and Airtel Money — your choice.
Real-Time Tracking
Your personal dashboard shows every stage — submitted, documents verified, under review, approved, and disbursed — updated in real time.
Trusted by Employees Nationwide
Real feedback from Zambian professionals who use DimeWell for fast, reliable salary-backed loans.
"I applied on my phone during lunch break and had the funds in my MTN wallet the same afternoon. No paperwork, no branch visits — just fast, professional service."
"The eligibility checker told me exactly how much I qualified for before I even applied. Transparent and honest — I knew my monthly deduction before committing."
"My medical loan was processed in 2 days. The hospital quotation upload was straightforward and the loan officer kept me updated at every stage. Highly recommended."
Frequently Asked Questions
Everything you need to know before applying for a DimeWell loan.
Ready to Get Started?
Join thousands of Zambian employees who trust DimeWell for fast, affordable
salary-backed loans — 100% paperless, 100% online.
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