Enabling people to achieve their full potential, through simple and clear solutions.

Who we are

Xtenda Finance Limited (Zambia) is a microfinance institution offering payroll backed loans to Government and quasi-Government employees. The company commenced business as Letshego Zambia in 2008 and changed its name to Oryx Finance Limited and was acquired by the current shareholders in December 2016. The company is regulated by the Bank of Zambia under the Banking and Financial Services Act (BFSA), 1994 and the Banking and Financial Services (Microfinance) Regulations, 2006, and operates under a Non-Deposit Taking Microfinance license. Xtenda Zambia has its head office located in Lusaka.

What we do

Xtenda Zambia is a subsidiary of Xtenda Financial Holdings Limited (XFHL) - a Mauritius-registered retail financial services group. We specialize in providing simple and trusted lending solutions, catering to individuals and simple micro businesses often overlooked by traditional banks.

We offer payroll-backed loans ranging from K500 to K250,000, with flexible repayment periods of 1 to 72 months. Loan terms are determined by the client, and our competitive rates are aligned with market trends, offering an advantage over similar financial institutions.

Our salary deduction loans are not just consumer loans—they serve as a vital financing option for Micro, Small, and Medium Enterprises (MSMEs) that lack collateral, helping them start or expand their businesses.

Why choose us

  • We create innovative financial products and services for all our customers.
  • We create products to increase national savings across Zambia.
  • We ensure competitive pricing supported by high quality service.
  • We develop products to help all Zambians improve their lifestyle.
  • We pride ourselves on giving back to all our customers.

Xtenda Financial Holdings Limited (XFHL) is a Mauritius-registered retail financial services group offering a range of financial products and services to the retail market, which is often overlooked by the formal banking sector. The group began operating in late 2015.

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