Daily Market Loan
Working capital for marketeers and small traders, repaid in small daily amounts over one month.
- Tenure
- 1 month
- Repayment
- Daily
Best for: Marketeers, vendors and small traders with daily sales.
Trusted Zambian lenderLoans from K500.
Loans from K500.
Rates from 8.5%.
Fast, reliable and transparent financing for Zambian professionals and businesses. Humming Tunes Technologies delivers the capital you need — when you need it most.
Same day
Average approval
500+
Loans disbursed
K0
Hidden fees
Registered Zambian lender
PMEC enrolled
Data secure
Same-day approvalTrusted by borrowers nationwide
Our loan products
Lending built around your goals.
Transparent terms and a team that understands the Zambian market — from daily market traders to salaried professionals.
Weekly Market Loan
A one-month loan for marketeers and small business owners who prefer weekly repayments.
- Tenure
- 1 month
- Repayment
- Weekly
Best for: Traders whose cash flow is best managed weekly.
Kuda
A fast, simple loan for everyday needs — transport, school, groceries, medical or household emergencies.
- Tenure
- 7 days
- Repayment
- Straightforward plan
Best for: Individuals needing quick access to a manageable amount.
Bi-Week Loan
Repayments aligned to a bi-weekly cash flow — smaller, more frequent instalments instead of one big monthly payment.
- Tenure
- Flexible
- Repayment
- Every 2 weeks
Best for: Customers paid or collecting income every two weeks.
Popular
Payday Cash Advance (PCA)
Short-term support for salaried customers who need cash before the next payday. Repaid on salary date.
- Tenure
- 1 month
- Repayment
- On payday
Best for: Salaried employees needing immediate cash before payday.
Secured Biz
Business funding backed by acceptable collateral — for stock, equipment, cash flow gaps and operations.
- Tenure
- 30 days
- Repayment
- Scheduled
Best for: Established business owners who can provide security.
Micro Business Loan
Accessible financing for small and growing businesses — stock, premises, working capital and expansion.
- Tenure
- Short-term
- Repayment
- Flexible
Best for: Market traders, small shop owners and service providers.
Popular
Extended Salary Advance (ESA)
A salary-based loan with a longer repayment period than a standard payday advance, keeping instalments manageable.
- Tenure
- 4 – 6 months
- Repayment
- Monthly
Best for: Salaried customers needing a higher amount or longer term.
Instant Loan
After-hours emergency loan — quick access to funds in the evening, over weekends or during holidays.
- Tenure
- Short-term
- Repayment
- Scheduled
Best for: Emergencies outside normal office hours.
Why Humming Tunes
Lending that respects your time.
Fast approval
Decisions within 1 hour and quick disbursement — no long waits.
Low rates from 8.5%
Among the most competitive rates in the Zambian market.
Flexible terms
Repayment plans built around your cash flow, not ours.
Local & accountable
A Zambian lender you can call, visit, and trust.
Loan calculator
See your repayment in seconds.
Indicative figures only — your final offer depends on credit assessment and loan type.
K 10,000
K500 – K15,000
8.5%
Starting from 8.5%
6 months
1 to 6 months
Monthly payment
K 1,708
- Total repayment
- K 10,249
- Total interest
- K 249
Amounts above K15,000 and longer terms may be available based on your eligibility and credit assessment.
About us
A Zambian lender, built on trust.
Humming Tunes Finance, a subsidiary of Humming Tunes Technologies (HTT), is a microfinance institution offering short to mid-term loans to individuals in Zambia. A duly registered money lending institution, HTF began operations in 2021 in Luangwa District.
Founded to improve and modernize how financial services are delivered, HTF recognized that not every personal loan application fits the traditional checklist — and set out to serve clients better through unique, modernized financial assistance, loans, and salary advances that widen financial access for all.
100%
Zambian owned
K500+
Loan range
8.5%
From rate
60 mo.
Max term
Our mission
To provide unique, excellent, customer-driven, accessible financial services, restore our customers' dignity, improve their standard of living, and increase value for our stakeholders.
Our vision
To be the most preferred financial provider in the country.
What we believe
- Making access to short-term financing easier
- Short turnaround time, minimal documentation
- Quick approvals
- Good customer service and professionalism
Our core values
Integrity
Quality
Teamwork
Growth & Profitability
Contact
Let's talk about your loan.
Call, email, or visit our Luangwa branch. We respond within one business day.
Main branch
1st Unit D-Mumba Complex, Off D145 Road, Indeco Luangwa, Zambia
Plus code