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26539, LIBALA SOUTH, LUSAKA, LUSAKA PROVINCE, ZAMBIA
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DunCredit Solutions LTD: Innovating Workplace Lending

At DunCredit Solutions LTD, we offer quick and ethical salary base loans and  advances tailored for employees ( including Civil Service ) across Zambia, ensuring financial relief without hassle.

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Instant Access to Funds
Ethical Lending Practices
Learn More About Us

Who We Are

DunCredit Solutions LTD aims to revolutionize the way employees access credit by providing fast, reliable, and responsible salary advances and loans.

Focus on Ethical Practices

Our lending solutions prioritize the well-being of employees, preventing financial strain and promoting responsible borrowing behaviors.

Transparent Processes

We ensure every term is clearly communicated, allowing employees to fully understand their obligations before borrowing.

Our Services

Discover a variety of payroll-based financial solutions that empower employees to access their earned wages when they need it most.

Salary Advances

We provide instant advances exceeding your organization's internal cap, up to 40% of your salary. Repayment is due in full on your next payday, with a minimal flat servicing fee.

Structured Salary Loans

We offer structured loans tailored to support employees' financial well-being, with convenient repayment options. Loan amounts range up to 108% of your monthly net salary, with a maximum repayment tenure of 3 months.

Instant Civil Service Loans

Our instant loan solutions offer swift financial support for civil servants, with streamlined processes and minimal paperwork. Apply with your KYC documents and employment confirmation for quick approval. 

Employer-Backed Credit Solutions

We collaborate with employers, including farmers, to promote financial inclusion for individuals with limited credit history. Our secured lending options offer instant fund disbursements, providing swift access to financial support when needed.

Digital Applications via WhatsApp 

Utilizing WhatsApp, we provide an easy and accessible way for employees to request loans and salary advances seamlessly

Employers Partnership

Boost Your Team's Productivity with DunCredit Financial Solutions

Are you an employer seeking to reduce financial stress and unlock 100% of your team's potential? Explore how DunCredit can support your employees with tailored financial solutions.


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Our Portfolio of Success

Showcasing Our Achievements

To become Zambia’s most trusted digital credit partner, empowering workers with fast, fair, and technology-driven financial solutions that improve everyday life.

  • Focus on Ethical Practices
  • Transparent Processes
  • Commitment to Financial Wellness
  • Driven by Technology

To make credit accessible, fair, and quick for working individuals who struggle with traditional banking delays.


  • Focus on Ethical Practices
  • Transparent Processes
  • Commitment to Financial Wellness
  • Driven by Technology

Demonstrating our collaboration with employers to enhance workplace lending solutions across Zambia.

  • Transparency – no hidden charges.
  • Responsiveness – fast communication and updates
  • Integrity – we uphold ethical lending practices.
  • Convenience – digital processes, minimal paperwork.
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Our Unique Value Propositions

Why choose DunCredit Solutions for your payroll lending needs?

Simple requirements.

Instant disbursement after HR approval.

Clear repayment structure.

Reliable customer support.

Duncan Mutore Mung’omba 

Founder & Director

Vision-driven entrepreneur responsible for strategic direction, partnerships, operations oversight, and innovation in digital lending.

Contact Us for More Information

Reach out if you have any further inquiries about our payroll-based credit solutions or need assistance.



Customer Feedback

DunCredit Solutions provided me with a fast and reliable service when I needed a salary advance. Highly recommended!

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James Teli John M., Employee

The process was straightforward, and I appreciated the transparency in their lending practices. Great experience!

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Austin Kuma Sarah N., HR Manager

This service has been a lifesaver for our employees during times of financial need. Thank you, DunCredit!

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Charoline Nyanga Michael T., Employer