Nira

NIRA

NIRA is a microfinance product designed to provide users with fast, convenient and flexible loans. Whether you need emergency funds, pay bills, or achieve a small goal, NIRA can provide you with financial support with low interest rates and flexible repayment methods. Through a simple online application process, you can easily obtain a loan to help you realize your dreams faster. Let NIRA become your reliable partner in financial management and meet your financial needs anytime, anywhere.

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Fast approval

Users can obtain the required funds in a short time to solve urgent financial needs without waiting for cumbersome bank review.

Flexible repayment methods

Flexible repayment methods reduce the financial pressure of borrowers, allowing them to manage debts more easily and avoid arrears and penalties.

Low interest rates

Low interest rates allow borrowers to save interest expenses and enjoy more cost-effective credit services, helping them achieve their financial goals.

Unsecured Loans

Accessibility: Easier to obtain for those with limited credit history.

Fast Processing: Quick approval and disbursement.

Flexible Terms: More manageable repayment options.

Support for Small Businesses: Essential capital for growth and sustainability.

Secured Loans

Lower Interest Rates: Secured by collateral, these loans generally offer lower interest rates.

Higher Borrowing Amounts: They allow for larger loan amounts compared to unsecured loans.

Extended Repayment Terms: These loans often come with longer repayment periods.

Credit Building: Timely payments can significantly improve your credit score.

Fast

Our loan products offer quick approval and disbursement, ensuring you receive the funds you need in the shortest time possible. Whether for urgent expenses or significant investments, we respond promptly to your requirements.

Security

We employ advanced encryption technologies to ensure the highest level of protection for your personal information and transaction data. Our commitment is to provide a secure and trustworthy lending environment for every customer.

Professionalism

Our team comprises experienced financial experts dedicated to offering you the most professional loan advice and tailored solutions. We strive to deliver personalized loan services to help you achieve your financial goals.

NIRA is a user-friendly mobile app designed to provide quick and accessible microloans to individuals in Zambia. The app simplifies the process of obtaining and managing loans, ensuring users can easily access funds when needed.

Products and Service

Advanced Credit System

Intelligent Risk Control Engine

Customized Service Solutions

Compliance and Security

Our platform integrates the latest fintech, providing a user-friendly interface, robust data processing capabilities, and flexible product configuration features to ensure your lending operations are efficient, secure, and convenient.

By combining big data analysis with machine learning technologies, our risk control engine can accurately assess borrower creditworthiness and monitor transaction risks in real-time, significantly reducing the rate of non-performing loans.

Recognizing each client's unique needs, we offer personalized services including system custom development, risk control model training, and data analysis consulting to help your business stand out.

Adhering to strict data protection regulations, we employ industry-leading encryption technology and multiple security measures to ensure the safety and privacy of customer data.

Our Advantages

The following three important reasons are described below.

The best service provider