Kangwe

Kangwe is a Zambian lending and investment platform committed to expanding access to fair, inclusive, and technology-enabled financial solutions. We provide responsible credit solutions to individuals and business while maintaining strong governance, transparency, and regulatory compliance.

Our Loan Products
• Collateral-based loans
• Instant loans
All loans are subject to credit assessment and affordability evaluation.

Why Choose Kangwe?
✔ Transparent pricing and full disclosure
✔ Responsible lending standards
✔ Secure digital application process
✔ Regulated and compliant operations
✔ Dedicated customer support

Loan Terms & Disclosure

Loan amounts and repayment terms vary depending on product type and credit assessment.
Minimum loan term: 62 days
Maximum loan term: 6 months
Interest rates: 4% per month (48% per annum, fixed)
APR: 48% - 140% per annum. APR includes interest and mandatory platform fees
Fees: One time service fees applies based on the fee schedule per loan agreement schedule. No monthly service fee.
We are committed to ethical lending practices and borrower protection. All applicable fees, total repayment amount, and repayment schedule are disclosed before loan acceptance.

Representative Example

Loan amount: K20,000
Repayment term: 4 months
Fixed interest rate: 4% per month
Service fee: K2600
Commission fee: K0.00
Disbursed amount: K17400
Total repayment: K25,308
Monthly repayment: K6,450
Maximum APR: Up to 131% per annum

Late Payment Changes:
5% late fee on overdue installment (once per missed payment)
Default interest: 6% per month on overdue amount only (simple interest, not compounded).

Borrowing more than you can afford to repay may lead to financial difficulties. Please borrow responsibly.

Compliance & Regulation
Kangwe Technologies Limited is:
• Fully registered with PACRA
• Tax compliant with ZRA
• Licensed under the Money Lenders Act
• Committed to AML/KYC compliance
• Operating in accordance with applicable Zambian regulations
Registered business address: 119/20 Garden Road, Lusaka Zambia.

We value your privacy. Kangwe does not access contacts, photos, or unrelated personal data. All information collected is used strictly for loan processing, verification, and regulatory compliance.
Read our Privacy Policy at: www.kangwe.io

Our Mission
To simplify access to credit and investment by building a trusted platform where capital flows responsibly between borrowers, entrepreneurs, and investors — promoting financial inclusion and long-term resilience.

Contact Us
Website: www.kangwe.io
Email: info@kangwe.io
Phone: +260 973 369 111