Civil Servant Facilities
Exclusive packages for civil servants with flexible repayment terms.
Requirements
- 3 Recent Payslips
- Recent Bank Statement
- Valid Government ID
Need financial assistance? Our experts are waiting for you.
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Fast, reliable, and accessible financial assistance tailored to your specific needs. Get the support you deserve when it matters most, with transparent terms.
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Simple Process
How It Works
From application to funds in your account — four straightforward steps.
Step 1
Apply Online
Fill out our simple application form or visit any of our branches.
Step 2
Document Review
Submit your documents — we verify quickly and thoroughly.
Step 3
Quick Approval
Get a decision within 24 hours with transparent terms.
Step 4
Funds Disbursed
Money sent directly to your bank account the same day.
Who We Are
Your trusted partner in financial growth since 2021. We are committed to integrity, transparency, and empowering our community.
Established Excellence
Imagine Express Cash is a licensed and trusted Micro Financial Institution. We have built a reputation for accessible, reliable, and ethical financial assistance across Zambia.
Our Mission
To deliver customer-centric financial support through unwavering integrity, trust, and ethical service.
Our Vision
To be the leading provider of innovative financial services that create positive community impact.
Integrity
Honest and transparent dealings
Innovation
Modern financial solutions
Customer Care
We put you first, always
Flexibility
Terms that work for you
Licensed by Bank of Zambia
Regulated MFI
Member of AMFIZ
Industry association
Data Protected
Encrypted & secure
Transparent Pricing
No hidden charges
Our Products
Tailored Financial Solutions
Choose the package that best fits your current needs and future goals.
Collateral-Based Facilities
Leverage personal or business assets to access quick financial support.
Requirements
- Collateral Item
- Valid Identification
- Proof of Ownership
Salary Advances
Immediate access to part of your salary with a transparent process.
Requirements
- 3 Recent Payslips
- Employer Letter
- Recent Bank Statement
Full Transparency
Our Interest Rates
Clear, upfront rates with no surprises. What you see is what you pay.
Civil Servant & Salary Advance Rates
Based on a K10,000 loan example
| Term | Total Rate | Interest (K10k) | Total Repayment | Monthly Payment |
|---|---|---|---|---|
| 1 month | 30% | ZMW 3,000 | ZMW 13,000 | ZMW 13,000 |
| 2 months | 40% | ZMW 4,000 | ZMW 14,000 | ZMW 7,000 |
| 3 months | 50% | ZMW 5,000 | ZMW 15,000 | ZMW 5,000 |
| 4 months | 60% | ZMW 6,000 | ZMW 16,000 | ZMW 4,000 |
| 5 months | 70% | ZMW 7,000 | ZMW 17,000 | ZMW 3,400 |
| 6 months | 80% | ZMW 8,000 | ZMW 18,000 | ZMW 3,000 |
Collateral-Based Facility
Fixed rate, maximum ZMW 20,000
Term
1 month
Rate
30%
Max Amount
ZMW 20,000
Example (K10,000)
Repay ZMW 13,000
Why Choose Imagine Express Cash?
We combine speed, transparency, and personalized care to give you the best borrowing experience possible.
Fast Processing
Approvals in as little as 24 hours.
Clear Terms
No hidden fees or surprise charges.
Flexible Plans
Repayment schedules that fit your life.
Trusted Service
Dedicated support team for your success.
0+
Years Service
0+
Happy Clients
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Key Locations
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Satisfaction
Client Stories
What Our Clients Say
Real experiences from people we have helped.
“I was able to get my civil servant loan approved within 24 hours. The process was straightforward and the team was incredibly helpful throughout.”
MT
Martha Tembo
Lusaka
“When I needed quick capital for my small business, Imagine Express Cash came through with a collateral loan. No hidden charges — exactly what was promised.”
PC
Patrick Chisanga
Ndola
“The salary advance helped me cover an emergency. The repayment plan was flexible and the staff treated me with respect. I recommend them to everyone.”
BM
Bwalya Mutale
Lusaka
Our People
Meet the Team
Experienced professionals dedicated to your financial success.
JM
Joseph Mwansa
Chief Executive Officer
Over 15 years in microfinance leadership across Southern Africa.
GB
Grace Banda
Operations Manager
Drives operational excellence and client satisfaction company-wide.
DP
Daniel Phiri
Lusaka Branch Manager
Leads our flagship branch with a focus on civil servant portfolios.
CM
Charity Mulenga
Ndola Branch Manager
Expanding our Copperbelt presence with community-driven lending.
Got Questions?
Frequently Asked Questions
Everything you need to know about our loan products and services.
Our rates are tiered by loan duration: 30% for 1 month, 40% for 2 months, 50% for 3 months, 60% for 4 months, 70% for 5 months, and 80% for 6 months. Collateral-based loans are fixed at 30% for 1 month. These are total interest rates for the full tenure, not monthly rates.
For civil servant and salary advance loans you need 3 recent payslips, a recent bank statement, and a valid government ID (NRC or passport). For collateral-based loans you need the collateral item, valid identification, and proof of ownership. All applicants must complete KYC verification.
Most loans are processed and approved within 24 hours of submitting a complete application. Once approved, funds are disbursed to your bank account on the same business day.
Civil servant facilities are available to government employees. Salary advances are open to employed individuals with verifiable income. Collateral-based loans are available to anyone with qualifying assets (up to ZMW 20,000). All applicants must complete KYC verification and cannot have an existing active loan with us.
Repayments can be made via bank transfer, mobile money, or in person at our Lusaka or Ndola branches. Civil servant repayments are typically deducted directly from your salary. We offer flexible repayment schedules from 1 to 6 months.
We encourage you to contact us immediately if you are facing difficulties. Loans that exceed their maturity date may be reclassified and could affect your ability to access future loans. We work with clients to find solutions before escalation.
Ready to get started?
Join thousands of satisfied clients who have found financial relief with Imagine Express Cash.