Kangwe

Kangwe is a Zambian lending and investment platform committed to expanding access to fair, inclusive, and technology-enabled financial solutions. We provide responsible credit solutions to individuals and business while maintaining strong governance, transparency, and regulatory compliance. Our Loan Products • Collateral-based loans • Instant loans All loans are subject to credit assessment and affordability evaluation. Why Choose Kangwe? ✔ Transparent pricing and full disclosure ✔ Responsible lending standards ✔ Secure digital application process ✔ Regulated and compliant operations ✔ Dedicated customer support Loan Terms & Disclosure Loan amounts and repayment terms vary depending on product type and credit assessment. Minimum loan term: 62 days Maximum loan term: 6 months Interest rates: 4% per month (48% per annum, fixed) APR: 48% - 140% per annum. APR includes interest and mandatory platform fees Fees: One time service fees applies based on the fee schedule per loan agreement schedule. No monthly service fee. We are committed to ethical lending practices and borrower protection. All applicable fees, total repayment amount, and repayment schedule are disclosed before loan acceptance. Representative Example Loan amount: K20,000 Repayment term: 4 months Fixed interest rate: 4% per month Service fee: K2600 Commission fee: K0.00 Disbursed amount: K17400 Total repayment: K25,308 Monthly repayment: K6,450 Maximum APR: Up to 131% per annum Late Payment Changes: 5% late fee on overdue installment (once per missed payment) Default interest: 6% per month on overdue amount only (simple interest, not compounded). Borrowing more than you can afford to repay may lead to financial difficulties. Please borrow responsibly. Compliance & Regulation Kangwe Technologies Limited is: • Fully registered with PACRA • Tax compliant with ZRA • Licensed under the Money Lenders Act • Committed to AML/KYC compliance • Operating in accordance with applicable Zambian regulations Registered business address: 119/20 Garden Road, Lusaka Zambia. We value your privacy. Kangwe does not access contacts, photos, or unrelated personal data. All information collected is used strictly for loan processing, verification, and regulatory compliance. Read our Privacy Policy at: www.kangwe.io Our Mission To simplify access to credit and investment by building a trusted platform where capital flows responsibly between borrowers, entrepreneurs, and investors — promoting financial inclusion and long-term resilience. Contact Us Website: www.kangwe.io Email: [email protected] Phone: +260 973 369 111