01from 8.5%
Personal Loan
For life's moments and emergencies
- Minimum
- K500
- Term
- 3 – 36 months
- No collateral up to K5,000
- Same-week disbursement
- Flexible repayment
Trusted Zambian lenderLoans from K500.
Loans from K500.
Rates from 8.5%.
Humming Tunes Technologies provides fast, flexible financing for individuals and businesses across Zambia — personal, business and asset finance with transparent terms.
K500
Minimum loan
8.5%
Starting rate
24h
Approval window
Our products
Lending built around your goals.
Three core products, transparent rates, and a team that understands the Zambian market.
02from 9.5%
Business Loan
Working capital that moves with you
- Minimum
- K2,500
- Term
- 6 – 48 months
- Stock & inventory finance
- Invoice-backed lending
- Dedicated relationship manager
03from 10%
Asset Finance
Vehicles, equipment, machinery
- Minimum
- K10,000
- Term
- 12 – 60 months
- Up to 80% asset value
- Structured monthly plans
- Insurance bundled
Why Humming Tunes
Lending that respects your time.
01
Fast approval
Decisions within 24 hours and disbursement in days, not weeks.
02
Low rates from 8.5%
Among the most competitive rates in the Zambian market.
03
Flexible terms
Repayment plans built around your cash flow, not ours.
04
Local & accountable
A Zambian lender you can call, visit, and trust.
Loan calculator
See your repayment in seconds.
Indicative figures only — your final offer depends on credit assessment and loan type.
K 10,000
Minimum K500
8.5%
Starting from 8.5%
12 months
3 to 60 months
About us
A Zambian lender, built on trust.
Humming Tunes Technologies is a financial services company based in Luangwa, Zambia. We exist to make credit accessible — from small personal loans of K500, to asset finance and working capital for growing businesses across the country.
Our approach is simple: transparent rates from as low as 8.5%, flexible terms, and a team you can actually reach. No fine print, no surprises.
100%
Zambian owned
K500+
Loan range
8.5%
From rate
60 mo.
Max term
Contact
Let's talk about your loan.
Call, email, or visit our Luangwa branch. We respond within one business day.
Main branch
1st Unit D-Mumba Complex, Off D145 Road, Indeco Luangwa, Zambia
Plus code