ABOUT US
Simple Loans. Real People.
Emergencies don't wait for payday. Sonkhela gets you cash the same day — no queues, no endless paperwork, no judgement. Just bring your NRC and something of value.
Who We Are
We started on campus, lending to students the banks ignore. Today Sonkhela is a PACRA-registered lending business serving UNZA, Mulungushi, UNILUS, NIPA and communities across Lusaka.
The model is simple: your phone, laptop, or other valuable item secures the loan. It's stored safely, you get your cash in hours, and the item comes back the moment you repay. Written agreement. Clear rates. No hidden charges — ever.
Why Clients Choose Us
Fast Approval
Apply online in minutes. Most applications are reviewed the same day.
Safe & Transparent
Registered business, written agreements, and your collateral stored securely until repayment.
Built for Real People
Flexible options designed around students, marketeers, and working Zambians.
Local & Accessible
Based in Lusaka and serving campuses and communities you know.