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Grow into your greatness, bank with us!

Empowering you to success

What is a Scheme Loan?

The Scheme Loan is made for salaried individuals who have dreams that we would love to see built. Whether you would like to buy a car, complete a housing project, or pay education fees, the Scheme loan is the best loan for you.


  1. Access to affordable low cost financing 
  2. No collateral required.
  3. Maximum allowable loan amount of K150,000
  4. Maximum loan period of 5 years
  5. Deduction is done by employer

How to get it and what to expect

The following are the necessary requirements to apply:

  • An existing Zanaco Current or Savings Account which the loan will be paid into and installments deducted from.
  • Your employer must have signed an MOU/contract with Zanaco for you to apply for one.

Features of Scheme Loan:

  • Unsecured loan backed by salary
  • Minimum period of 6 months and a maximum period of 5 years
  • Minimum loan amount is K5,000 and maximum is K150,000
  • Negotiated interest rate by employer
  • Loans are insured
  • Applications are made through the employer

*Ts and Cs apply

Download Terms and Conditions

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