Lending People Hope For A Better Future

We empower Zambians by offering accessible and reliable financial services that foster personal growth and business development.

GRACIMOR LOANS

Lending People Hope For A better Future

We empower Zambians by offering accessible and reliable financial services that foster personal growth and business development.

Get Started

What We Do

Smart Financial Solutions for Yourself, Family & your Business.

We offer a range of tailored financial products designed to meet various needs.

04

Payroll Based Loans

For individuals in full-time employment, with repayments deducted directly from the payroll. We partner with employers through a Memorandum of Understanding (MoU) to offer these collateral- free loans.

Requirements:

Two (2) passport-size photos
Three (3) latest pay slips
Copy of NRC
Completed application form

01

Financial Products

We offer a range of tailored financial products designed to meet various needs

Apply Now

01

Financial Products

We offer a range of tailored financial products designed to meet various needs.

01

Personal Loans

Ideal for covering expenses such as education, medical bills, home improvements, or emergencies.

Requirements:

Copy of National Registration Card (NRC)
Three (3) latest bank statements
Three (3) latest payslips
Two (2) passport-size photos
Proof of residence (e.g., utility bill)
Collateral: Motor vehicle whitebook or original certificate of title deed.

01

Personal Loans

Ideal for covering expenses such as education, medical bills, home improvements, or emergencies.

Requirements:

Copy of National Registration Card (NRC)
Three (3) latest bank statements
Three (3) latest payslips
Two (2) passport-size photos
Proof of residence (e.g., utility bill)
Collateral: Motor vehicle whitebook or original certificate of title deed.

02

Business Loans

Designed for entrepreneurs and SMEs seeking capital for expansion, inventory, or operational costs.

Requirements:

Business registration certificate (PACRA)
ZRA Tax Clearance Certificate
Six (6) latest bank statements
Business financials and projections (where applicable)
Board resolution by shareholders (where applicable)
Collateral: Original Certificate of title deed or Original Motor vehicle whitebook

02

Business Loans

Designed for entrepreneurs and SMEs seeking capital for expansion, inventory, or operational costs.

Requirements:

Business registration certificate (PACRA)
ZRA Tax Clearance Certificate
Six (6) latest bank statements
Business financials and projections (where applicable)
Board resolution by shareholders (where applicable)
Collateral: Original Certificate of title deed or Original Motor vehicle whitebook

03

Salary Advance Loans

Short-term loans to assist with immediate financial needs, repayable on your next payday.

Requirements:

Copy of NRC
Latest payslip
Two (2) passport-size photos
Proof of residence (e.g., utility bill)
Collateral: Motor vehicle whitebook or original certificate of title deed.

03

Salary Advance Loans

Short-term loans to assist with immediate financial needs, repayable on your next payday.

Requirements:

Copy of NRC
Latest payslip
Two (2) passport-size photos
Proof of residence (e.g., utility bill)
Collateral: Motor vehicle whitebook or original certificate of title deed.

04

Payroll Based Loans

For individuals in full-time employment, with repayments deducted directly from the payroll. We partner with employers through a Memorandum of Understanding (MoU) to offer these collateral- free loans.

Requirements:

Two (2) passport-size photos
Three (3) latest pay slips
Copy of NRC
Completed application form

Apply Now

Why Choose
Gracimor Loans

Fast Approvals: Loan decisions made within 24 hours.
Flexible Terms: Customized repayment plans to suit your financial situation.
Transparent Processes: No hidden fees or charges.
Customer-Centric Approach: Dedicated to supporting your financial journey.
Integrity & Trust: Committed to ethical lending practices.

Compliance and Regulation

Gracimor Loans operates in full compliance with the financial regulations set forth by the Bank of Zambia. We adhere to all legal requirements to ensure the safety and security of our clients' financial transactions.

At Gracimor Loans, we believe that behind every loan is a dream, a goal, a better future.

That’s why we don’t just offer funding — we offer trust, support and commitment.

Choose a company that stands with you!

We’re Here for You — Every Step of the Way

Trusted,
Fast &
Hussle Free Online Application Process

Get a free quote

Get a FREE quote for your personal or business loan today. Fast, easy, and no obligation

Submit the online form

Get a quick response. Whether it’s a new home, car, or growing your business; our flexible loans and terms are built around you.

Get funding fast

Need capital? Skip the long wait. Get a decision fast and funding even faster.

Get a free quote

Get a FREE quote for your personal or business loan today. Fast, easy, and no obligation

Get a free quote

Get a FREE quote for your personal or business loan today. Fast, easy, and no obligation

Submit the online form

Get a quick response. Whether it’s a new home, car, or growing your business; our flexible loans and terms are built around you.

Submit the online form

Get a quick response. Whether it’s a new home, car, or growing your business; our flexible loans and terms are built around you.

Get funding fast

Need capital? Skip the long wait. Get a decision fast and funding even faster.

Get funding fast

Need capital? Skip the long wait. Get a decision fast and funding even faster.

Personal and Business Loans

Happy Customers

Get a free quote

Get a FREE quote for your personal or business loan today. Fast, easy, and no obligation

Submit the online form

Get a quick response. Whether it’s a new home, car, or growing your business; our flexible loans and terms are built around you.

Get funding fast

Need capital? Skip the long wait. Get a decision fast and funding even faster.

Facts & Figures

+100

Families Helped

Over 100 Families Supported

Financial Boosters

Income Gaps

150k

+28

Business Financial Aid

Over 13 Companies

Successful Loans

Success Rate

95%

About Us

Balance Today, Secure Tomorrow, Win Always

At GRACIMOR LOANS, we are more than just a financial institution—we are a beacon of hope for individuals and businesses seeking financial empowerment in Zambia. Established in 2024, our mission is to provide swift, transparent, and inclusive financial solutions that cater to the diverse needs of our clientele.

OUR MISSION

To empower Zambians by offering accessible and reliable financial services that foster personal growth and business development, all delivered with integrity, honesty and efficiency.