A personal loan to meet your needs. Get it online – quickly and easily.
Apply for payroll loans of up to GHS100,000 and get up to 72 months to pay.Not a government employee? Click here to find the perfect secured personal loan option for you.Izwe’s tailored online loans for civil servants are approved in minutes, with cash paid out in less than 24 hours. Because loans aren’t just about money. They’re about making dreams come true, for you or your loved ones.
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“My son decided he wanted to study at university, and Izwe helped me to quickly organise a loan. It was easy to apply through an agent who did it all on his mobile device. Now I know that my son’s future is secured. Thanks to Izwe, he will have everything he needs to be successful in his studies.”
– Adjo (42)
Welcome to Your Future
Payroll Loans on your own terms
Budget-friendly
Flexible repayment terms to suit your lifestyle.
Hassle-free
Payments are deducted from your salary every months.
Affordable
Lower rates for government employees.
Who qualifies for a payroll loan?
If you work for the Ghana Government, Ghana Police Services, Ghana Army, Ghana Revenue Authority, UDS or KNUST, you qualify as a civil servant.
We offer payroll loans to full-time employees of:
- The Government of Ghana
- Ghana Police Service
- Ghana Army
- Ghana Revenue Authority
- UDS
- The Kwame Nkrumah University of Science and Technology (KNUST)
Make the smart move. Choose Izwe.
Not a government employee? No problem. Here’s how you get a quick loan from Izwe.
No matter what you need it for, we make getting financial help easy. That’s why we’ve simplified the process of applying for a personal loan.
Apply for easy loans online
Read our FAQs
Who qualifies?
Civil Servants, Zambia Air Force (ZAF) and Zambia National Service (ZNS).Personal Loan
No hidden costs
With a personal loan tailored to your individual
needs, you get:
- Financial help with a loan up to ZMW 150,000*
- Fixed terms up to 60 months (5 years maximum)*
- Affordable, hassle free monthly repayments (salary deductions)
* limits are subject to change from time to time
As a civil servant, you get additional convenience benefits with an offer on your application within minutes
Personal loans that offer fast, effective
solutions to any financial challenge.
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A personal loan from Izwe is a step in the right direction. Here’s why.
Flexibility
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On your amount and repayment period
No hidden costs
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Fixed monthly instalments with set interest rates over the loan
“Zingena Zonse”
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You will receive the full amount you were approved for, no fees will be taken off your payout amount
We do it your way
Easy access to financial assistance in-branch or through our extensive network of dedicated agents that come to you. We are just a call away, or you can apply right here
Hassle-free service
We provide simple verification and qualification processes for civil servants, with minimal
documentation required
No matter what you need it for, we make getting financial help easy. That’s why we’ve simplified the process of applying for a personal loan.
Whether it’s to pay school fees, life’s surprise expenses or much-needed home extensions, the help you need is at your fingertips.If you are a permanently-employed civil servant you qualify for special access to a tailored personal loan from Izwe.
Who qualifies?
Civil Servants, Zambia Air Force (ZAF) and Zambia National Service (ZNS)
GET A PERSONAL LOAN
Izwe is committed to the highest standards of business integrity, ethical values, and governance.
We encourage our staff, customers, and stakeholders to report unethical or corrupt behaviour.
NOTE
All deposits must be paid to Field Tellers or Cashiers. Izwe will confirm your deposit by SMS from Izwe Ghana. Izwe will never grant loan funds you did not apply for. If you are contacted with this sort of payment arrangement, report fraud here.
REPORT FRAUD NOW
Izwe Savings & Loans PLC is a regulated financial services provider.
We are proudly associated with
Izwe Savings & Loans PLC is a regulated financial services provider. We are proudly associated with:
