About DimeWell

Our Story

Zambia's Most Accessible Salary-Backed Loan Platform

DimeWell was born from a simple observation: hardworking Zambian employees deserve faster, fairer access to credit — without the bureaucracy of traditional banking.

Founded by TWOFOUR DIMEWELL LIMITED, we set out to build a fully digital lending platform that eliminates paper forms, branch visits, and endless waiting periods. Our technology verifies employment, assesses affordability, and processes loans in days — not weeks.

Today, DimeWell serves employed Zambians across both the public and private sectors. From government ministry employees to private company staff, from teachers and nurses to bank workers and NGO professionals — we provide transparent, salary-backed loans that put you in control.

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TWOFOUR DIMEWELL LIMITED

Registered in the Republic of Zambia

2,000+ Applicants Served

BOZ Regulated

84+ Government Employers

K30,000 Max Loan Amount

Our Purpose

Mission & Vision

What drives us every day at TWOFOUR DIMEWELL LIMITED

Our Mission

To eliminate the manual, paper-based loan application process by providing a fully digital end-to-end workflow — from application to disbursement — that is fast, transparent, and accessible from any mobile phone or computer.

Our Vision

To become Zambia's most trusted salary-backed loan platform — enabling every verified employed person across the public and private sector to access affordable, transparent loans through a secure, paperless, and mobile-friendly digital system.

Why Choose DimeWell

Built for Zambian Employees

We designed every feature around your needs

100% Digital

Apply entirely from your phone or computer. No paper forms, no branch visits, no standing in queues. Everything happens online.

Fast Processing

Applications are reviewed within 1 working day of document completeness. Approved loans are disbursed within 3 working days.

Secure & Private

Your documents and personal data are encrypted with AES-256 encryption at rest. We comply with Zambia's Data Protection Act.

Transparent Pricing

No hidden charges. We disclose the total cost of credit before you submit your application so you know exactly what you'll repay.

Multiple Disbursement Options

Receive your funds via bank transfer to major Zambian banks or through MTN and Airtel mobile money — whichever works best for you.

Dedicated Support

Track your application in real time. Our support team is available via email and phone to help when you need assistance.

The Process

How DimeWell Works

Four simple steps from application to disbursement

Register & Verify

Create your account in under 2 minutes with your NRC, phone number, and employer details.

Upload Documents

Upload your payslip, employment letter, and NRC. Our loan officers verify them promptly.

Choose Your Loan

Select from 7 loan products. Use our calculator to find the right amount and repayment term.

Receive Funds

Once approved, funds go straight to your bank account or mobile money wallet within 3 working days.

Our Values

What We Stand For

The principles that guide every decision at DimeWell

Integrity

We are transparent in our pricing, honest in our communication, and ethical in every interaction with our customers.

Innovation

We continuously improve our technology to make borrowing faster, simpler, and more accessible for every Zambian employee.

Customer First

Every feature we build starts with the question: "How does this help our customers access fair credit more easily?"

Regulated & Compliant

DimeWell operates in compliance with Bank of Zambia (BOZ) guidelines for non-bank financial services. We retain loan records for the required 7-year period, disclose total cost of credit before submission, and comply with Zambia's Data Protection Act. Our platform is designed for future integration with the Zambia Credit Data Sharing Bureau.