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How to Apply for Government Salary Advance in Zambia at Zero Percent Interest 2024

How to Apply for Government Salary Advance in Zambia at Zero Percent Interest

Are you a civil servant in Zambia facing financial challenges and in need of a salary advance without the burden of interest from traditional banks? Good news! The Zambian government offers salary advances to its employees at a zero percent interest rate, with a convenient repayment period of six months.

Why Opt for Government Salary Advance?

In times of financial strain or unforeseen responsibilities, your monthly salary might be insufficient even within the first week of payment. While some financial institutions exploit this situation by offering loans with high interest rates, the Zambian government provides an alternative solution through its Human Resources (HR) department.

How to Apply for Salary Advance: A Step-by-Step Guide

  1. Visit Your PEO’Office through the DEBS:
  2. Complete the Form:
    • Fill out the form with accurate details.
  3. Authorization by the Accountant:
    • Have the form signed by the Accountant.
  4. Attach Supporting Documents:
    • Include a copy of your current payslip with the application.
  5. Submission for Payment:
    • Submit the completed form and supporting documents for processing.

Application Letter Details: A Breakdown

PART I: Applicant Information

  • Full Name
  • Designation
  • Department/Ministry/Province
  • Man Number

To: Controlling Officer

  • Address details: P.O Box, State, Grounds for loan, Station, Date
  • Request for advance by General Order *El0/El1
  • Specify the amount and grounds for the advance
  • Request for recovery in installments starting from a specified month

PART II: Financial Details

  • Requested advance amount in Kwacha
  • Verification of the officer’s salary pay slip for a specific month
  • Specify the number of months for recovery
  • Applicant’s signature

Once your application is submitted, the HR department will verify your payslip and net salary to determine your take-home pay. The process is straightforward, providing civil servants with a viable and interest-free financial option in times of need.

Note that the Advance is given based on your net pay.

Many civil servants have testified to the fact that they’ve used the forms sample below to apply and were given, in their district.

Sample Template:

How to Apply for Government Salary Advance in Zambia at Zero Percent Interest

Apply today and ease your financial burden with a government salary advance at zero percent interest!

Credit to Kamanya Mkuni who shared this with colleagues who don’t know such exists.


Peter N. Djangmah is a multifaceted individual with a passion for education, entrepreneurship, and blogging. With a firm belief in the power of digital education and science, I am affectionately known as the Private Minister of Information. Connect with me
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