Government Employee Loans

Overview
Trefin GRZ Loans are designed specifically for Government of the Republic of Zambia (GRZ) employees seeking quick and accessible personal credit. With government payroll as the repayment backbone, GRZ Loans offer competitive terms, fast disbursement, and a straightforward application process tailored to civil servants and public sector workers.

Who Is This For
Confirmed and active Government of the Republic of Zambia employees across all public sector ministries, departments, and agencies.

Key Features

• Designed exclusively for GRZ employees
• Payroll-linked repayment via government payroll
• No collateral required
• Fast approval and disbursement
• Loan amount based on net salary
• Transparent and competitive interest rates

Interest Rates

• To be confirmed and published by Trefin Capital Limited

Requirements and Documents Needed

• Valid National Registration Card (NRC)
• Latest government payslip (not older than 30 days)
• Employment confirmation letter from the relevant ministry or department
• Bank statement (last 3 months)
• Personal bank account details for disbursement
• Completed Trefin loan application form