PERSONAL LOAN PRODUCTS
Trefin SmartDeduct
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Salary-Backed Micro Loans
Overview
Trefin SmartDeduct is a payroll-linked loan facility designed exclusively for formally employed individuals whose employers have signed a Memorandum of Understanding (MoU) with Trefin Capital Limited. Repayments are deducted directly from your salary through payroll, making borrowing simple, structured, and stress-free.
Who Is This For
Formally employed individuals working for an employer that has an active MoU partnership with Trefin Capital Limited.
Key Features
- No collateral required
- No guarantor required
- Loan disbursement within 24 to 48 hours
- Repayment via payroll deduction
- Loan amount based on up to 40% of net salary
- Repayment periods of 1 to 3 months
Requirements and Documents Needed
- Valid National Registration Card (NRC)
- Latest payslip (not older than 30 days)
- Employment confirmation letter
- Bank statement (last 3 months)
- Completed Trefin loan application form
- Employer must have an active MoU with Trefin Capital
TREFIN SUREPAY
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Collateral-Backed Personal Loans
Overview
Trefin SurePay provides short-term personal loans to salaried and self-employed individuals secured by approved collateral. Whether you need funds for personal expenses, emergencies, or opportunities, SurePay gives you fast access to credit backed by your assets.
Who Is This For
Salaried employees and self-employed individuals who have an approved asset to offer as security.
Key Features
- Collateral-backed lending
- Open to salaried and self-employed applicants
- Fast approval process
- Flexible repayment terms
- Loan tenure of 1 to 3 months
- Loan amount based on up to 40% of net income
Acceptable Collateral
- Motor vehicles
- Land and property
- Valuable equipment
- Other approved assets
Requirements and Documents Needed
- Valid National Registration Card (NRC)
- Latest payslip or proof of income (not older than 30 days)
- Bank statement (last 3 months)
- Completed Trefin loan application form
- Collateral documents (title deed, vehicle logbook, or asset ownership proof)
- Valuation report for the asset offered as security
- Proof of insurance for motor vehicle collateral (where applicable)
GRZ LOANS
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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