UG Finance — A Subsidiary of UG Zambia

Loans & Financial
Services

Flexible loan solutions designed to support UG members and workers with accessible financing for everyday needs, education and long-term plans.

Explore Loan Options → Download Loan Forms
Member Rate
4% p.a.
Max Loan
K50,000
Max Tenure
36 Months
4%
Member Rate
8.8%
Non-Member Rate
K50K
Maximum Loan Amount
36mo
Maximum Tenure
Loan Products

Explore Our Loan Options

Choose the loan that best suits your needs. Click to learn more about each option.

Salary Advance

Quick financial support for immediate needs. Credited the same day of application and repaid at month end — no lengthy waiting periods.

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Back to School Loan

Support education expenses for your children. Cover tuition fees, uniforms, books and supplies without financial stress.

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Medium to Long Term Loan

Financing for larger financial commitments. Loans up to K50,000 with flexible repayment tenure of up to 36 months.

Learn More

Loan Calculator

Estimate your monthly repayments before you apply.

Member – 4%
Non-Member – 8.8%
Monthly Payment
K 0
Total Repayment
K 0

Download Forms

Everything you need before applying for a UG Finance loan.

Member Loan Calculator

Calculate your estimated loan repayment using the member rate of 4%.

Download

Non-Member Loan Calculator

Estimate your repayments using the applicable non-member rate of 8.8%.

Download

Loan Requirements

View the eligibility requirements and documentation needed before applying.

Download
Simple Process

How It Works

Apply for your UG Finance loan in five easy steps.

01

Choose a Loan

Pick the loan type that matches your financial needs.

02

Check Requirements

Download and review eligibility criteria and documents.

03

Calculate Your Loan

Use the calculator to estimate your monthly repayment.

04

Download Application

Get the loan calculator and requirements documents.

05

Submit Documents

Submit your completed application with supporting docs.

Zambia Union of Government and Allied Workers Membership

Not a UG Member Yet?

Join UG and access the exclusive member loan rate of just 4% p.a. — nearly half the non-member rate. Becoming a member is quick and unlocks immediate savings on every loan.

4%
Member Rate
vs
8.8%
Non-Member Rate
Become a Member
FAQs

Frequently Asked Questions

Have questions about UG Finance loans? We've got answers.

Who can apply for a UG Finance loan?
Any employed worker in Zambia can apply for a UG Finance loan. Members of ZUGAW enjoy a preferential interest rate of 4% per annum. Non-members are also eligible and can instantly qualify for the member rate simply by submitting a completed membership form alongside their loan application.
What is the maximum loan amount?
UG Finance now offers loans of up to K50,000. The exact amount you qualify for will depend on your salary, employment status, and repayment capacity as assessed during the application process.
What is the member interest rate?
ZUGAW members enjoy a highly competitive interest rate of 4% per annum. This is one of the most affordable loan rates available to government and allied workers in Zambia.
What is the non-member interest rate?
Non-members are offered a rate of 8.8% per annum. However, by simply downloading the membership form and submitting it alongside your loan application, you instantly qualify for the member rate of 4%.
How long can I take to repay the loan?
The maximum loan tenure at UG Finance has been extended to 36 months (3 years). Salary advances are structured for shorter terms, typically repaid at the end of the same month in which they are issued.
What documents are required?
Required documents include a completed loan application form, a valid National Registration Card (NRC), recent payslips, a letter from your employer, and a bank statement. Full details are available in the Loan Requirements document which you can download above.