Loan & Service Terms

Last updated: 29 July 2026

These Terms govern loans and services offered by ORIZIS CAPITAL to customers in Zambia. Please read them together with our Privacy Policy, Responsible Lending & Cost of Credit notice and Accessibility Statement. By applying for a loan you agree to these Terms.

Licensing. ORIZIS Capital carries on lending business under the applicable Zambian authorisation, registration no. [LENDER LICENCE / MONEY-LENDERS REGISTRATION NO.]. Lending in Zambia is regulated; we operate in accordance with the Money-Lenders Act and the directions of the Bank of Zambia.

1. Who we are

ORIZIS CAPITAL LIMITED, a private company limited by shares incorporated in Zambia on 1 February 2024, of Plot No. 41 Kasoho Road, Roma, Lusaka, Zambia. Companies registration no. 120241001505, TPIN 2002400390. Contact: admin@oriziscap.com.

2. Our service

ORIZIS Capital provides personal, student and family loans to eligible customers in Zambia, from 500 ZMW, with fixed, predictable repayments. Applying does not guarantee approval — every application is subject to identity checks and an affordability/credit assessment. We may approve, decline or offer a different amount or term at our discretion.

3. Eligibility

You are at least 18 years old and a resident of Zambia.
You have a valid national ID (NRC) and a Mobile Money number in your name.
You have a regular, verifiable source of income sufficient to repay.
The information you give is true and complete.

4. Interest, fees & the cost of your loan

The interest rate, fees and the total amount repayable for your specific loan are shown to you clearly before you accept the offer, in Zambian Kwacha. See our Responsible Lending & Cost of Credit notice for a representative example. Representative rate: [X]% per month / [Y]% APR. You only enter a loan once you accept the offer shown to you.

5. Disbursement & repayment

Approved loans are paid to your Mobile Money wallet (MTN, Airtel or Zamtel), processed by our provider pawaPay. You repay by the dates and amounts in your loan schedule. You may repay early at any time; early repayment reduces the interest you pay.

6. Late or missed payments

If you cannot pay on time, contact us immediately — we would rather help you find a solution. Late payment may incur a late fee of [LATE FEE] and, where lawful, we may report your repayment record to a licensed credit reference bureau, which can affect your ability to borrow in future. We will always treat you fairly and will not use harassment or unlawful collection methods.

7. Cooling-off / cancellation

You may cancel a loan within [e.g. 24 hours] of disbursement by repaying the full principal received, with no interest, subject to any non-refundable statutory charge. After that, normal repayment terms apply.

8. Your responsibilities

Borrow only what you can afford to repay.
Keep your contact and Mobile Money details up to date.
Do not provide false information or use the service unlawfully or fraudulently.

9. Beware of scams

ORIZIS Capital will never ask you to pay a fee to a personal number to "release" a loan, and never asks for your Mobile Money PIN. If in doubt, contact us first.

10. Limitation of liability

To the fullest extent permitted by law, our total liability for any claim is limited to the amount of interest and fees you paid us on the loan giving rise to the claim. Nothing in these Terms excludes or limits any rights you have under Zambian law that cannot lawfully be excluded, including under the Money-Lenders Act, the Banking and Financial Services Act, 2017, the Competition and Consumer Protection Act, 2010 and the Electronic Communications and Transactions Act, 2021.

11. Governing law

These Terms are governed by the laws of the Republic of Zambia.

12. Complaints & contact

If you have a concern, please contact us first at admin@oriziscap.com and we will try to resolve it. You may also refer a complaint to the Bank of Zambia, or to the Competition and Consumer Protection Commission (CCPC).