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Smart Investment Β· Zambia

YOUR FINANCIAL BURDEN RELIEVER

Ayawide Investments Ltd offers collateral-based loans with fast approval, flexible terms, and transparent rates β€” empowering individuals and businesses to achieve economic stability.

1 Week Loan
Quick Cash
Collateral-based Β· Fast approval
15%
2 Weeks Loan
Bridging Finance
Collateral-based Β· Flexible
25%
3 Weeks Loan
Mid-Term Finance
Collateral-based Β· Flexible
30%
4 Weeks Loan
Extended Finance
Collateral-based Β· Best value
40%
500+
Clients Served
24H
Loan Approval
100%
Collateral Secure
3
Loan Terms

Everything You Need

From fast collateral loans to a marketplace of quality goods, Ayawide is your one-stop financial partner.

πŸ’°

Collateral Loans

Fast loans secured by your assets β€” vehicles, electronics, jewellery, property & more.

VIEW LOANS β†’
πŸ“Š

Transparent Rates

Simple, clear rates: 15% Β· 25% Β· 30% Β· 40% for 1–4 week terms. No hidden fees.

VIEW RATES β†’
πŸͺ

Asset Shop

Quality items recovered from defaulted loans, available at competitive prices for buyers.

BROWSE SHOP β†’
🀝

Third-Party Sales

We partner with businesses to facilitate sales, acting as a trusted intermediary.

LEARN MORE β†’

3rd Party Sellers &
Financial Relievers

Ayawide Investments Ltd is a third-party seller and financial support company operating in Zambia. We partner with businesses and individuals to facilitate the sale of products and services, acting as an intermediary that simplifies transactions.

Beyond sales, we position ourselves as a financial burden reliever β€” offering tailored financial solutions designed to ease the strain on our clients through collateral-based lending.

  • Collateral-secured loan products for individuals & businesses
  • Third-party seller partnerships across multiple sectors
  • Flexible payment plans tailored to your capacity
  • Transparent rates with no hidden fees
  • Empowering clients toward economic stability and growth

Smart Investment. Real Results.

Through our dual focus on commerce and financial assistance, Ayawide aims to empower customers and partners to achieve greater economic stability and growth.

πŸ’Ό Third-Party Sales

We partner with businesses to facilitate sales, acting as a trusted intermediary between sellers and buyers for seamless transactions.

πŸ’° Collateral Loans

Fast, collateral-based loans for individuals and businesses with clear terms, fair rates, and no bureaucratic delays.

πŸͺ Asset Recovery Shop

Defaulted collateral items are listed in our shop at competitive prices, creating value for buyers and recovering funds efficiently.

How It Works

Get your loan in 4 simple steps. Fast, secure, and hassle-free.

01
πŸ“‹

Apply Online or Walk In

Fill in our quick application form with your details and the loan amount you need.

02
πŸ”

Collateral Assessment

Bring your collateral for professional valuation. We assess value and agree on terms.

03
✍️

Sign Agreement

Review and sign the loan agreement with clear terms, rate, and repayment schedule.

04
πŸ’΅

Receive Your Funds

Funds disbursed same day or within 24 hours. Repay fully to reclaim your collateral.

William Ayami Phiri - Founder

"Success is not about avoiding failure, but about rising after every challenge with greater wisdom and determination."

β€” William Ayami Phiri

The Story Behind Ayawide

William Ayami Phiri

Founder & Director, Ayawide Investments Ltd

I entered into business not because life was easy, but because I believed it was possible to change my situation and create a better future for myself and my family. Growing up in a family of 11 children, I experienced both stability and hardship. In 2017, my family went through significant financial difficulties β€” that moment changed my perspective on life, responsibility, and the importance of financial independence.

Determined to build something meaningful, I began my entrepreneurial journey shortly after university. My first venture was a phone business, which initially showed great promise. However, due to inexperience, poor financial decisions, and misuse of capital, the business eventually collapsed. Instead of allowing failure to define me, I chose to learn from the experience and start again.

I later explored other opportunities, including running a shawarma business near the University of Lusaka β€” which came with its own challenges, setbacks, and valuable lessons about resilience, discipline, and customer service. Every setback strengthened my determination and deepened my understanding of the financial struggles many people face daily.

These experiences inspired me to establish Ayawide Investments Limited β€” built on the vision of helping individuals and businesses access financial support and practical solutions that ease economic pressure.

2017
Financial turning point β€” the moment that sparked the vision
2019
First entrepreneurial venture β€” phone business & early lessons
2021
Shawarma business near UNILUS β€” resilience and growth
Today
Ayawide Investments Ltd β€” empowering Zambia, one loan at a time

All Kinds of Collateral Loans

We accept a wide range of collateral to secure your loan. Fast processing, clear terms, funds when you need them most.

🏠

Property & Real Estate

Use your land title, house, or property as collateral to access significant loan amounts.

  • Title deeds accepted
  • High loan values available
  • 1 week to 1 month terms
  • Fast valuation process
πŸš—

Vehicle Loans

Pledge your vehicle β€” cars, trucks, motorcycles β€” to secure quick cash.

  • Cars, trucks & bikes accepted
  • Logbook-based lending
  • Quick vehicle assessment
  • Competitive loan-to-value ratio
πŸ“±

Electronics & Gadgets

Phones, laptops, TVs, and other electronics accepted as collateral for smaller loans.

  • Smartphones & laptops
  • TVs & home appliances
  • Same-day approval
  • Short-term terms available
πŸ’Ž

Jewellery & Valuables

Gold, silver, precious stones accepted with professional valuation on-site.

  • Gold & silver accepted
  • Professional valuation
  • Secure storage guaranteed
  • Returned on full repayment
πŸ› οΈ

Equipment & Machinery

Business equipment, farm machinery, tools, and industrial assets accepted.

  • Farm & industrial equipment
  • Power tools & generators
  • Business asset financing
  • Flexible repayment terms
πŸ“¦

Stock & Inventory

Business owners can use stock and inventory as collateral for working capital loans.

  • Retail & wholesale stock
  • Working capital loans
  • Inventory-based valuation
  • Business growth financing

Our Loan Rates

Simple, transparent rates. No hidden fees. Know exactly what you owe before you sign.

Loan TermInterest RateExample: ZMW 1,000Total RepaymentBest For
1 Week15%ZMW 150 interestZMW 1,150Emergency cash, short bridge
2 Weeks25%ZMW 250 interestZMW 1,250Bi-weekly salary cycle bridging
3 Weeks30%ZMW 300 interestZMW 1,300Mid-term needs, salary gap
4 Weeks40%ZMW 400 interestZMW 1,400Business capital, larger purchases

* Rates applied on principal. All loans are collateral-secured. Terms and conditions apply.

Calculate Your Repayment

Enter your loan amount and choose your term to see exactly what you'll repay.

Principal
ZMW 0
Interest
ZMW 0
Total Repayment
ZMW 0

Defaulted Items for Sale

Quality items recovered from defaulted loans, available at competitive prices.

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Welcome Back

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Welcome, Client

Here's your loan portfolio overview

Outstanding
ZMW 3,800
Total Paid
ZMW 2,200
Collateral Items
2
Next Due
12 Jun
My Loans
Collateral
Payment History
Loan ID
#AW-2024-001
Amount
ZMW 2,000
+ ZMW 700 interest (35%)
Due Date
12 Jun 2025
65% of term elapsed
Active
Loan ID
#AW-2024-002
Amount
ZMW 1,500
+ ZMW 300 interest (20%)
Due Date
3 Jun 2025
Overdue β€” please contact us
Overdue
Loan ID
#AW-2023-008
Amount
ZMW 1,000
+ ZMW 100 interest (10%)
Cleared On
18 Nov 2023
Cleared
πŸ“±
Item
Samsung Galaxy A54
Linked to #AW-2024-001
Valuation
ZMW 2,800
Status
Held
πŸ’
Item
Gold Ring 18K
Linked to #AW-2024-002
Valuation
ZMW 3,500
Status
Held
πŸ’»
Item
HP Laptop 15"
Linked to #AW-2023-008
Valuation
ZMW 4,200
Status
Released

⚠️ All collateral items are held securely and returned upon full loan repayment.

Total Paid
ZMW 2,200
Outstanding
ZMW 3,800
Missed
1
DateLoan IDAmountTypeStatus
18 Nov 2023#AW-2023-008ZMW 1,100RepaymentPaid
1 May 2024#AW-2024-001ZMW 2,000DisbursedDisbursed
12 May 2024#AW-2024-002ZMW 1,500DisbursedDisbursed
3 Jun 2025#AW-2024-002ZMW 1,800Repayment DueMissed
12 Jun 2025#AW-2024-001ZMW 2,700Repayment DueUpcoming

Apply for a Loan Today

Ready to get started? Fill in the form or visit us in person. We respond within hours.

πŸ“
Location

Nangwenya Road, Movie TV Opposite Sun City Hotel, Lusaka, Zambia

πŸ“ž
Phone / WhatsApp

+260 971 468 538

πŸ“§
Email

info@ayawideinvestments.com

πŸ•
Business Hours

Mon – Sat: 08:00 – 18:00
Sun: By Appointment

What to Bring

  • National ID or Passport
  • Your collateral item(s)
  • Proof of ownership (if applicable)
  • Mobile money / bank details

Quick Loan Application

Terms & Conditions

Please read all terms carefully before signing any loan agreement with Ayawide Investments Limited.

Registered Company No. 120251018124 Β· Governed by the Money Lenders Act, Chapter 398, Laws of Zambia

πŸ“‹

Mandate & Type of Loan

This document must be read and signed by all clients before accessing the Payday Soft Loan facility. The loan is designed for business men/women and employees from various institutions β€” intended to supplement shortfalls in budgets and assist with unforeseen challenges that do not require large amounts of funds.

All loan applications may be approved or declined at the absolute discretion of Ayawide Investments Limited.

πŸ’°

Interest Rates

Interest on all credit facilities is calculated based on the loan term. Payments made before the due date are eligible for the following rates:

1 Week15%
2 Weeks25%
3 Weeks30%
4 Weeks40%

The maximum loan period on a single interest charge is thirty (30) days, subject to whichever comes first β€” the 30-day threshold or payday.

πŸ“…

Repayment of Loan

All loans require a single lump-sum repayment. The loan together with accrued and unpaid interest and all other charges, costs and expenses, is due and payable on the agreed due date.

Partial payments may be arranged in advance by contacting your Loan Officer.

⚠️

Charges on Default

Defaults increase the volatility of risk. In order to maintain stable interest rates and better service, defaults shall attract the following charges:

  • Each day overdue shall attract a 5% daily interest charge
  • After 7 days of overdue charges, the Recoveries Unit shall commence the repossession process of pledged collateral
  • The full outstanding amount as at the 7th day shall be recovered
  • Continued default may lead to termination of contract
🀝

Charges Waiver

Ayawide acknowledges that clients may face unforeseen challenges. If you are unable to repay on the due date, you may:

  • Contact your Loan Officer at least 2 days before the due date to request an extension of up to 7 days
  • Pay only the interest due and carry the principal forward as a new loan for the following month
  • Where a part payment has been made, carry the balance as a new loan for the following month
πŸ”

Confidentiality & Assent

By signing the loan agreement, you:

  • Agree to all terms and conditions of Ayawide Investments Limited
  • Consent to receive notifications of new product developments
  • Acknowledge that your information is strictly confidential and will not be shared with unauthorised persons
  • Agree that information may be shared with law enforcement institutions upon lawful request
βš–οΈ

Indemnity

By signing the loan agreement, you agree to fully indemnify Ayawide Investments Limited for all costs and expenses (including legal fees) arising in connection with your dealings with Ayawide Investments Limited, in enforcing these terms and conditions, or in recovering any amounts due.

πŸ›οΈ

Governing Law

All loan agreements are governed and construed in accordance with the laws of the Republic of Zambia, and in particular, the Money Lenders Act, Chapter 398 of the Laws of Zambia.

Any disputes shall be resolved amicably first; failing which they shall be referred to a court of competent jurisdiction in Zambia.

πŸš—

Car Loan Mandate

The Car Loan facility is packaged by Ayawide Investments Limited (Reg. No. 120251018124) for business men/women and employees from various institutions. Clients may either park the vehicle at our premises or have a GPS tracker installed on the car as security.

All applications may be approved or declined at the absolute discretion of Ayawide Investments Limited.

πŸ’°

Car Loan Interest Rates

Interest on Car Loan credit facilities is calculated based on the loan period:

1 Week15%
2 Weeks25%
3 Weeks30%
4 Weeks35%
⚠️

Car Loan Default Charges

  • Each day overdue attracts a 2% daily interest charge
  • After 7 days, the Recoveries Unit commences repossession of the vehicle
  • The full outstanding amount as at the 7th day shall be recovered from the vehicle sale
  • Any excess from the sale beyond the outstanding amount is returned to the borrower
🀝

Car Loan Charges Waiver

  • Contact your Loan Officer at least 2 days before the due date for a 7-day extension
  • Pay only the interest due and carry forward the principal as a new loan
  • Part payments can be carried over as a new loan for the following month
πŸ“

Car Loan Collateral Requirements

  • Vehicle Chassis Number must be provided
  • Engine Number must be provided
  • Vehicle Model and Make must be recorded
  • Color of vehicle must be stated
  • A Letter of Sale may be required as part of the agreement
  • Physical address of the borrower must be provided
πŸ”

Indemnity & Assent

By signing the Car Loan agreement, you agree to fully indemnify Ayawide Investments Limited for all costs and expenses (including legal fees) arising from the enforcement of these terms or recovery of outstanding amounts.

Your information is strictly confidential and will not be shared with unauthorised persons.

Memorandum of Understanding (MoU)

Loan Agreement with Collateral β€” Between Mr. William Phiri (Lender) and the Borrower

1

Parties to the Agreement

This MoU is entered into between Mr. William Phiri, NRC No. 791395/10/1, residing at Libala South, Nationalist Road, Lusaka, Zambia (the Lender), and the Borrower whose details are captured in the loan application form.

2

Purpose

To establish the terms under which the Lender agrees to provide a loan to the Borrower, who pledges specified assets as collateral/security.

3

Loan Details

The loan amount, disbursement date, interest rate, repayment schedule and total repayment amount are captured in the signed loan agreement. Repayment is a one-time lump sum on the agreed due date.

4

Collateral Details

The Borrower pledges specified items as collateral. The collateral shall remain in the possession of the Lender OR shall not be sold, transferred, or encumbered in any way by the Borrower until the loan is fully repaid.

5

Rights Over Collateral

If the Borrower fails to repay in full by the agreed date, the Lender has the full legal right to take ownership and/or liquidate the collateral. A final written demand notice of 7 days will be issued before any sale or repossession. Any excess from the sale beyond the outstanding amount shall be returned to the Borrower.

6

Borrower Obligations

  • Repay the loan in full and on time
  • Keep the collateral in good, usable condition
  • Not sell, transfer, damage or hide the collateral while the loan is outstanding
7

Lender Obligations

  • Disburse the agreed loan amount upon signing
  • Return the collateral upon full repayment
  • Maintain clear communication and provide official receipts for all repayments
8

Termination

This MoU terminates upon: (a) full repayment and return of collateral, OR (b) sale/liquidation of collateral due to non-payment after due process.

9

Governing Law

Governed by the laws of the Republic of Zambia, in particular the Money Lenders Act, Chapter 398. Disputes shall be resolved amicably, or referred to a court of competent jurisdiction in Zambia.

10

Entire Agreement

This MoU constitutes the entire understanding between the Parties and supersedes all prior oral or written agreements. No amendment is valid unless made in writing and signed by both Parties.

πŸ“„ To receive a physical copy of the MoU for signing, please visit our offices at Nangwenya Road, Movie TV Opposite Sun City Hotel, Lusaka, or contact us on WhatsApp: +260 971 468 538

πŸ“¦

Client Mandate on Collateral

By pledging collateral, the borrower agrees that the pledged items shall not be:

  • Sold or transferred to any other party
  • Stolen, moved or lent out
  • Damaged, intentionally or accidentally

Should any of the above occur, Ayawide Investments Limited is authorised to repossess any other items of their choice to substitute the lost, damaged or moved collateral.

πŸ”‘

Accepted Collateral Types

  • 🏠 Property / Land Title Deeds
  • πŸš— Vehicles (Cars, Trucks, Motorcycles)
  • πŸ“± Electronics (Phones, Laptops, TVs)
  • πŸ’Ž Jewellery (Gold, Silver, Precious Stones)
  • πŸ› οΈ Equipment & Machinery
  • πŸ“¦ Business Stock & Inventory
⚠️

Default & Repossession

In the event of default:

  • A 7-day written demand notice is issued before repossession
  • The collateral may be sold to recover the outstanding loan + interest
  • Any surplus from the sale is returned to the borrower
  • Defaulted items may be listed in the Ayawide Asset Shop for public sale
βœ…

Release of Collateral

Collateral is returned to the borrower upon:

  • Full repayment of the principal loan amount
  • Full payment of all accrued interest
  • Settlement of any penalty charges
  • Official discharge of the MoU by the Lender

Official receipts and acknowledgment are issued for all repayments made.

πŸ“

Letter of Sale

In the event of vehicle or high-value collateral default, a Letter of Sale is completed confirming the transfer of ownership, including:

  • Item description and serial number / special marks
  • Chassis number, engine number (for vehicles)
  • Seller and buyer signatures with NRC numbers
  • Witness signatures and dates
πŸ“ž

Questions About Your Collateral?

If you have any questions about the status of your collateral, or wish to discuss repayment options, please contact us:

πŸ“ž WhatsApp: +260 971 468 538

πŸ“ Office: Nangwenya Road, Movie TV Opposite Sun City Hotel, Lusaka

πŸ• Hours: Mon–Sat 08:00–18:00

Chat with us

Terms & Conditions

Please read these terms carefully before applying for any loan facility with Ayawide Investments Limited.

πŸ“‹

Mandate & Type of Loan

This document must be read and signed by all clients before accessing the Payday Soft Loan Facility. The loan is designed for business owners and employees from various institutions β€” intended as a supplement to budget shortfalls and to assist with unforeseen challenges that do not require large amounts to resolve.

All loan applications may be approved or declined at the absolute discretion of Ayawide Investments Limited.

πŸ’°

Interest Rates

Interest on all credit facilities is calculated based on the loan term. Payments made before the due date attract discounted rates:

1 Week10%
2 Weeks20%
1 Month35%

The maximum loan holding period on a single interest charge is thirty (30) days, subject to whichever comes first β€” the 30-day threshold or payday.

πŸ“…

Repayment of Loan

All loans require a single lump-sum repayment. The loan together with accrued and unpaid interest and all other charges, costs and expenses, is due and payable on the agreed due date.

No partial repayments will be accepted unless agreed upon in writing with your Loan Officer prior to the due date.

⚠️

Charges on Default

Defaults increase the volatility of risk. To maintain stable interest rates and quality service, defaulting clients shall attract the following charges:

  • Each day overdue attracts a 5% daily interest charge to cover follow-up expenses.
  • After 7 days of default charges, Ayawide's recoveries unit shall commence the repossession process of pledged collateral to recover the full outstanding amount.
  • Repeated defaults may lead to permanent termination of loan privileges.
🀝

Charges Waiver β€” Extensions

We understand that unforeseen circumstances may arise. Clients may avoid default charges by:

  • Contacting their Loan Officer at least 2 days before the due date to request an extension not exceeding 7 days.
  • Paying the interest due and requesting the principal be carried forward as a new loan for the following month.
  • Where a part payment was previously made, liaising with the Loan Officer to carry over the balance as a new loan.
πŸ”’

Collateral & Client Mandate

By signing the loan agreement, the client pledges listed item(s) as collateral. The pledged items:

  • Shall not be sold, stolen, moved, lent out, or damaged (intentionally or accidentally) while the loan is outstanding.
  • If any of the foregoing occurs, Ayawide Investments is authorised to repossess any other items of their choice to substitute the lost/damaged collateral.
  • All collateral items are returned upon full loan repayment.
πŸ”

Confidentiality

All information provided to Ayawide Investments Limited is strictly confidential and shall not be disclosed to any unauthorised persons, save for law enforcement institutions upon official request.

Any changes to terms and conditions shall be communicated to clients in advance.

βš–οΈ

Indemnity

By signing the loan application, you agree to fully indemnify Ayawide Investments Limited for all costs and expenses (including legal fees) arising in connection with your dealings with Ayawide Investments Limited β€” including enforcing these terms, recovering amounts due, or any legal proceedings related to your account.

πŸš—

Car Loan Mandate

The Car Loan facility is available to business owners and employees. The car may be used as collateral either by parking it at our premises or by having a GPS tracker installed on the vehicle.

All car loan applications may be approved or declined at the absolute discretion of Ayawide Investments Limited (Registered Company No. 120251018124).

πŸ’°

Car Loan Interest Rates

Interest on car loan facilities is calculated at 35% for a 30-day period. Early repayment discounts apply:

1 Week15%
2 Weeks25%
3 Weeks30%
4 Weeks35%
πŸš™

Vehicle Collateral Details

The borrower must provide the following vehicle details when pledging a car as collateral:

  • Vehicle Make & Model
  • Chassis Number
  • Engine Number
  • Color
  • Vehicle Logbook / Ownership Documents

The vehicle shall not be sold, transferred, or encumbered in any way until the loan is fully repaid.

⚠️

Default Charges β€” Car Loan

  • Each day overdue attracts a 2% daily interest charge.
  • After 7 days of default charges, Ayawide's recoveries unit will commence repossession of the vehicle.
  • The Lender shall provide a 7-day written demand notice before taking steps to sell or assume ownership.
  • Any excess funds from the sale beyond the loan and interest shall be returned to the borrower.
🀝

Extensions & Waivers

  • Contact your Loan Officer at least 2 days before the due date for an extension (max 7 days).
  • Pay the interest due and carry the principal forward as a new loan.
  • Part payments can be carried over as a new loan for the following month.
βš–οΈ

Indemnity & Legal

By signing, you agree to fully indemnify Ayawide Investments Limited for all costs and expenses (including legal fees) arising in any way from your dealings with Ayawide Investments Limited β€” in enforcing these terms or recovering amounts due.

Governed by the laws of the Republic of Zambia β€” Money Lenders Act, Chapter 398.

Memorandum of Understanding (MoU)

Every loan at Ayawide is backed by a legally binding MoU signed by both parties in the presence of witnesses.

1

Parties to the Agreement

The MoU is entered into between Mr. William Phiri (Lender), NRC No. 791395/10/1, Libala South, Nationalist Road, Lusaka, Zambia β€” and the Borrower (client), whose details are captured at the time of signing.

2

Loan Details Captured

Loan amount, disbursement date, interest rate, repayment schedule, due date, and total repayment amount (principal + interest) are all documented in writing.

3

Collateral Documentation

All collateral items are described in detail (make, model, serial/chassis/engine numbers, color). The collateral remains with the Lender or under restriction until full repayment.

4

Rights Over Collateral

If the borrower defaults, Ayawide has full legal right to sell or liquidate the collateral after issuing a 7-day written notice. Any surplus from the sale is returned to the borrower.

5

Obligations of Both Parties

Borrower: Repay on time, keep collateral safe, do not sell or transfer collateral.
Lender: Disburse funds on signing, return collateral on full repayment, provide receipts for all payments.

6

Signatures & Witnesses

The MoU is signed by the Lender, the Borrower, and two independent Witnesses β€” with NRC numbers, signatures, and dates captured for all parties.

7

Letter of Sale (Default)

In the event of default and repossession, a Letter of Sale is signed by both parties confirming the transfer of the collateral item to Ayawide Investments, with no further claims by the seller.

Note: Physical MoU documents are signed at our office at the time of loan disbursement. Bring your NRC, collateral, and proof of ownership. Contact us on WhatsApp +260 971 468 538 for more information.

What types of collateral do you accept? β–Ό
We accept a wide range of collateral including vehicles (cars, motorcycles), electronics (phones, laptops, TVs), jewellery (gold, silver), property/land titles, business equipment, machinery, and stock/inventory. Each item is professionally assessed before the loan is disbursed.
How quickly can I get my loan? β–Ό
Most loans are disbursed on the same day or within 24 hours of signing the MoU agreement. The speed depends on the collateral assessment process. Bring all required documents to speed up the process.
What are the interest rates? β–Ό
Our rates are transparent and fixed: 10% for 1 week, 20% for 2 weeks, and 35% for 1 month β€” applied on the principal amount. Car loans have slightly different rates. No hidden fees.
What happens if I can't repay on time? β–Ό
Contact your Loan Officer at least 2 days before the due date to request an extension of up to 7 days. You can also pay the interest due and carry the principal forward as a new loan. If you default without notice, a 5% daily charge applies from day 1, and repossession proceedings begin after 7 days.
Will my collateral be safe while it's with you? β–Ό
Yes. All collateral items are stored securely at our premises. We provide a receipt/acknowledgement for every item received and every payment made. Your item is returned in full as soon as the loan is fully repaid.
Can I repay my loan early? β–Ό
Yes! Early repayment is encouraged and attracts discounted interest rates. For example, repaying in 1 week instead of 1 month will attract only the 1-week rate. Contact your Loan Officer to confirm the exact amount due.
Is my personal information kept confidential? β–Ό
Absolutely. All information provided to Ayawide Investments Limited is strictly confidential and will not be disclosed to any unauthorised persons, except to law enforcement institutions upon official request.
What do I need to bring when applying? β–Ό
Bring your National ID (NRC) or Passport, your collateral item(s), proof of ownership (where applicable β€” e.g. logbook for a car), and your mobile money or bank details for disbursement.
What is a Letter of Sale and when is it used? β–Ό
A Letter of Sale is a legal document signed in the event of default and repossession. It confirms the transfer of ownership of the collateral item to Ayawide Investments, with the borrower confirming no further claims on the asset. Any surplus from the sale beyond what is owed is returned to the borrower.
Where are you located? β–Ό
We are located at Nangwenya Road, Movie TV Opposite Sun City Hotel, Lusaka, Zambia. You can also reach us on WhatsApp: +260 971 468 538. We are open Monday to Saturday, 08:00 – 18:00.