Public Service Micro Finance Company (PSMFC)

Delivering accessible and affordable financial solutions
tailored for public service workers.

Get a Loan
Mon to Fri | 08am to 05pm

Here for you, whenever you need us,

with loans thoughtfully designed to meet your needs.

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Quick and Transparent Processes

Fast approval times with no hidden fees or complex procedures.

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Lower interest rates

Our unbeatable interest rates are the lowest on the market

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Tailored Financial Solutions

Customized loan products to suit the unique needs of public service workers.

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Customer-Centric Approach

Dedicated support teams focused on helping clients achieve their goals.

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Trust and Reliability

A trusted partner backed by years of experience in serving public service workers.

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Commitment to Financial Growth

Supporting public servants in achieving financial stability and long-term success.

Latest From PSMFC

Check out our most recent publications

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PSMFC is planning on the installation of Solar system and is inviting bids from interested partie...

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Check out

Our Events

Explore the events we host to engage with our community
and foster meaningful connections.

Join us for the Annual Financial Literacy Workshop, where experts discuss effective financial management strategies.

Financial Literacy Workshop

March 15, 2025 - Lusaka, Zambia

Attend our Technology in Education Summit to explore how digital tools are transforming learning environments.

Education Technology Summit

April 20, 2025 - Ndola, Zambia

Be part of our Annual Career Fair, bringing together leading organizations and job seekers for networking and opportunities.

Annual Career Fair

May 10, 2025 - Kitwe, Zambia

Discover the latest in sustainable practices at our Environmental Conservation Conference.

Environmental Conservation Conference

June 5, 2025 - Livingstone, Zambia

Join our Health and Wellness Expo to learn about maintaining a healthy lifestyle and accessing health resources.

Health and Wellness Expo

July 12, 2025 - Lusaka, Zambia

Ready to Get Started?

Find a solution that works for you today!

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Meet

Our Management Team

The driving force behind delivering excellence and innovation in every product we offer.

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Mubanga Mwiko

Chief Executive Officer

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K50.1m+

Successfully Disbursed
in Loans

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10+

In Loan Outreach
Countrywide

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4.8/5

Highly Rated Award
Winning Products

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9%

The Lowest Interest
Rates Guaranteed

FAQ

Frequently asked questions

Browse through these FAQs to find answers to commonly asked questions.

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To apply for a loan through PSMFC, you need to follow these steps:
  1. Application Form: Complete the loan application form available on the PSMFC website or at their office.
  2. Documentation: Submit the required documents such as proof of income, identification, and other financial details.
  3. Loan Assessment: PSMFC will assess your application and perform a credit evaluation to determine your eligibility.
  4. Approval and Agreement: If approved, you will receive a loan agreement outlining the terms and conditions.
  5. Disbursement: Once you sign the agreement, the loan funds will be disbursed to your account.

PSMFC offers a variety of loan options tailored to meet different needs, including:
  • Personal Loans: Unsecured loans for individuals to cover personal expenses.
  • Business Loans: Loans for entrepreneurs to start or expand their businesses.
  • Education Loans: Loans to support students or parents funding educational expenses.
  • Home Loans: Loans to assist with purchasing or renovating a home.
Each loan type comes with its own eligibility requirements, so it's important to choose the right one for your needs.

The loan approval process at PSMFC typically takes 3 to 5 business days. The timeline depends on the completeness of your application, the type of loan you are applying for, and the verification process. If additional documentation is required, it may take longer. You will be notified once your loan is approved.

PSMFC offers competitive interest rates based on the type of loan, the loan amount, and the repayment period. The exact rate will be provided during the application process after assessing your financial situation. PSMFC strives to keep interest rates affordable and transparent for all loan applicants.

Yes, PSMFC allows early repayment of loans without penalties. In fact, repaying your loan early can help reduce the overall interest paid, as interest is typically calculated on the remaining balance. However, it's important to notify PSMFC in advance and ensure all required payments are made before the early settlement.

If you miss a loan payment, PSMFC may charge a late fee depending on the terms of your loan agreement. Missing multiple payments can negatively affect your credit score and may result in additional penalties. It's important to contact PSMFC as soon as possible if you're unable to make a payment, as they may offer solutions such as payment extensions or restructuring.

Yes, PSMFC takes the privacy of its applicants seriously. All personal and financial information submitted during the loan application process is kept confidential and will only be used for the purpose of evaluating your loan application. PSMFC follows strict data protection protocols to ensure your information remains secure.
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Short Code & USSD

228
*228#

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