# Lupiya > Zambian neobank offering flexible, collateral-free loans and transparent financial services. (iPhone/iPad app by Lupiya Financial Services Limited.) - Source: https://appshunter.io/ios/app/lupiya/id6449972864 (this page in markdown: same URL + `.md`) - Developer: [Lupiya Financial Services Limited](https://appshunter.io/developer/1691292822) - Category: Finance - Price: Free - Rating: 4.50/5 from 2 App Store ratings - Age rating: 17+ - Requires: iOS 15.6 · 66 MB - Languages: English - Released: 2024-02-23 - Data updated: 2026-06-01 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/lupiya/id6449972864/reviews.md ## What is Lupiya? Lupiya is a pioneering neobank based in Zambia, dedicated to providing accessible and inclusive financial services. Our primary goal is to empower individuals and small businesses through flexible and transparent lending solutions. Why Choose Lupiya? Flexible Loan Amounts: Borrow amounts suited to your needs, from small personal loans to larger business financing. Convenient Repayment Plans: Repayment periods range from 60 days to 60 months, offering flexibility to suit your financial situation. No Collateral Needed: Access loans without the need for physical collateral. Transparent Fees: No hidden fees, no rollover charges, and no transaction fees. Build Your Credit: Timely repayments and increased limit tasks help build your credit limit and reduce future interest rates. Loan Features: Annual Percentage Rate (APR): Ranges from 24% to 56%, depending on loan terms and borrower profile. Example: Borrow ZMW 100,000 over 6 months with an interest rate of 4% per month, totaling ZMW 124,000 repayment. Example Loan Calculation: Borrowed Amount: ZMW 100,000 Loan Term: 6 months Interest Rate: 4% per month Total Interest: 24% for 6 months Total Repayment: ZMW 124,000 How to Get a Loan: Download and Register: Get our app and create an account. Fill Out Basic Information: Complete the application with necessary details. Apply for a Loan: Submit your application online for quick approval. Receive Funds: Approved loans are disbursed directly into your bank account. Eligibility Requirements: Residency: Must be a resident of Zambia. Age: Applicants must be between 18 and 60 years old. Contact Us:For more information, questions, or suggestions, our team is available to assist you. Service Hotline: +260761167020 (Available from 8 AM to 5 PM, Monday to Friday, and 8 AM to 1 PM on Saturdays) Email: info@lupiya.com Office Address: Counting House Unit 1, Suite 1, along Thabo Mbeki Road , Lusaka, Zambia Stay connected with us on social media: Facebook: https://web.facebook.com/Lupiyaloans/?_rdc=1&_rdr LinkedIn: https://www.linkedin.com/company/lupiya/ Check us out here: https://www.lupiya.com/ ## Key features - Flexible loan amounts - Convenient repayment plans - No collateral required - Transparent fees - Build credit history - Online loan application ## Frequently asked questions about Lupiya ### What is the minimum and maximum age to apply for a loan with Lupiya? Applicants must be between 18 and 60 years old to be eligible for a loan through Lupiya. ### What is the typical APR for loans offered by Lupiya? The Annual Percentage Rate (APR) for loans ranges from 24% to 56%, depending on the loan terms and the borrower's profile. ### Can I get a loan from Lupiya without providing collateral? Yes, Lupiya allows you to access loans without the need for physical collateral. ### What are the repayment terms for loans from Lupiya? Repayment periods offered by Lupiya range from 60 days to 60 months, providing flexibility to suit your financial situation. ### Does Lupiya have any hidden fees or charges? Lupiya emphasizes transparent fees, stating there are no hidden fees, rollover charges, or transaction fees. ### How often is Lupiya updated? The latest version of Lupiya is 1.0.30, and it was last updated on May 19, 2026, indicating a recent update. ### What devices is Lupiya available on? Lupiya is available on iPhone, iPad, and iPod devices. ### Does Lupiya have advertisements? Lupiya does not contain advertisements. ## Version history (last 5 releases) ### 1.0.30 — 2026-05-19 - Clearer loan repayment errors and accurate receipts. Pay your last instalment from wallet. Country picker for phone numbers. Biometric login preserved after logout. ### 1.0.29 — 2026-04-08 This update includes improvements to loan application submissions. We've also made enhancements that help the app run more smoothly. ### 1.0.27 — 2026-02-02 This update includes improvements to loan application submissions. We've also made enhancements that help the app run more smoothly. ### 1.0.26 — 2026-01-28 This update includes behind-the-scenes improvements to app stability and security. We've also made internal enhancements that help the app run more smoothly and reliably. ### 1.0.25 — 2025-12-16 This update includes improvements to the onboarding experience. We've also made it easer to apply for a loan, deposit and send money. ## Apps similar to Lupiya | App | Rating | Price | Category | | --- | --- | --- | --- | | [Grid Money](https://appshunter.io/ios/app/grid-money/id1473180914) | 4.6 (27,387) | Free | Finance | | [Vola: Cash Advance & Credit](https://appshunter.io/ios/app/vola-cash-advance-and-credit/id1275913039) | 4.6 (32,239) | Free | Finance | | [Money App - Cash Advance](https://appshunter.io/ios/app/money-app-cash-advance/id6476117215) | 4.6 (23,072) | Free | Finance | | [Gerald - Cash Advance](https://appshunter.io/ios/app/gerald-cash-advance/id1569801600) | 4.4 (26,383) | Free | Finance | | [Bright: Loans & Credit Builder](https://appshunter.io/ios/app/bright-loans-and-credit-builder/id1511043796) | 4.8 (248,056) | Free | Finance | | [Grant Cash Advance](https://appshunter.io/ios/app/grant-cash-advance/id6472350114) | 4.9 (152,720) | Free | Finance | ## Related topics [lupiya](https://appshunter.io/ios/topics/lupiya) · [lupiya financial services limited](https://appshunter.io/ios/topics/lupiya-financial-services-limited) · [imisepela](https://appshunter.io/ios/topics/imisepela) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-01.*