Licensed by the Ministry of Finance and National Planning. We offer short to medium term loans to civil servants and individuals across Zambia.
Get quick salary advances backed by your payroll with fast approval.
Flexible personal loans designed specifically for civil servants and formal employees.
Years of Excellence
UNATI MONEY SOLUTIONS is a reputable and dynamic licensed money lending company dedicated to providing short to medium term financial services to meet the diverse needs of its clients. UMS is registered and licensed by the Ministry of Finance and National Planning.
Founded in June 2025, we offer financial support to our clients at affordable rates without exploitation. With commitment to excellence, reliability and customer satisfaction, UMS provides specially designed lending services to civil servants across the country.
Our company takes pride in serving both private and public sector clients with an aim to offer financial support without exploitation. Our products are competitively priced and customer services are among the best.
The company supports civil servants and individuals by providing financial needs through short to medium term loans and advances specifically designed to provide reliable financial support.
Get instant short term credit facilities for individuals in formal employment. Quick approval with payroll-backed security and fast disbursement directly to your account.
Flexible personal loans designed specifically for civil servants. Competitive rates with favorable repayment options and faster turnaround time for your financial needs.
Apply for loans through our mobile and digital facilities to avoid certain costs. Convenient application process that saves you time and brings services to your doorstep.
Secure fund recovery through Direct Debit and Credit Clearing payment system as well as Payroll Management Establishment Control for your peace of mind.
We engage employers directly to ensure that employee financial needs are met. Partnership approach that benefits both employees and organizations across Central Province.
Constant client engagement to get feedback on service delivery. We provide guidance on financial planning and help you make informed borrowing decisions for better outcomes.
Licensed by the Ministry of Finance. We prioritize efficiency and effectiveness while adding value to the lives of our clients.
We are the preferred financial solutions institution for civil servants in Central Province by offering reliable and innovative products while attracting, training and retaining competent employees.
Registered and licensed by Ministry of Finance and National Planning. Fully compliant institution you can trust.
We provide mobile and digital facilities to avoid certain costs. Convenient and accessible financial services at your fingertips.
We prioritize efficiency and effectiveness. Quick loan approvals and fast disbursement to meet your urgent financial needs.
We provide lending services to the public without exploiting our clients. Fair rates and transparent terms always.
To apply for instant salary advance fill in the application forms and present required documents. Our team will process your application quickly and disburse funds directly to your account upon approval.
To qualify for instant salary advance, you must be in formal employment or be a civil servant with regular monthly income.
Prepare three latest payslips, three months bank statements, copy of NRC, passport photo, and introductory letter from employer.
Fill in our application forms with all required information and submit together with your supporting documents to our office.
Our team reviews your application promptly. We prioritize efficiency to give you faster turnaround time than other institutions.
Once approved, you'll receive confirmation and loan agreement. We ensure transparent terms and conditions with no hidden charges.
Funds are disbursed directly to your bank account. Recovery is done through DDACC payment system and PMEC for convenience.
Preferred financial solutions institution by civil servants in Central Province. We attract, train and retain competent employees while providing services without exploitation.
Constant client engagement to get feedback on how we can improve service delivery. We listen to our clients and adapt to meet needs.
We add value by providing finance at cheaper rates, faster turnaround time and favorable repayment options. No hidden charges or exploitation.
