Beyond the Familiar.

We are always there for you when life happens and you need that financial partner.

Who we are

Whence Financial Services is a member of Whence Group, an indigenous company incorporated in Zambia. Our platform brings together highly motivated and resourceful entrepreneurs from various sectors of society to find innovative solutions to the world’s problems.

Our Vision

Whence aims to be a preeminent global platform recognized by staff, clients, competitors, and the public. Our hallmark is innovation, initiative, teamwork, and the ability to anticipate and effectively respond to change while creating value.

Our Mission

Whence's mission is to enhance the well-being and success of individuals, communities, industries, and countries globally through the provision of "BEYOND THE FAMILIAR" products and services. We strive to exceed stakeholder expectations by finding innovative ways to materialize high-quality products and services that others can only imagine.

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Our team consists of experienced professionals with a deep understanding of the loan industry, ensuring that we provide the best advice and solutions to our clients.

Customer-Centric Approach

We prioritize our clients' needs and work closely with them to understand their unique situations and provide tailored solutions.

Global Reach

As a member of Whence Group, we have a global presence, allowing us to serve clients from various industries and sectors.

Continuous Learning and Improvement

We are dedicated to staying updated with the latest trends and advancements in the loan industry, as well as Tech industry, ensuring that we provide the most up-to-date and effective solutions to our clients.


Check our Services

PayDay SoftLoan

Get quick relief with our easy payday soft loans. Fast approval, flexible terms. Apply now for swift financial support!

Contract Financing

Empower your business with our contract financing solutions. Secure working capital for project success. Explore your tailored funding options with us!

Emergency Relief

Our emergency relief services are here to provide immediate support when you need it most. We understand that unforeseen circumstances can arise, and our goal is to offer swift and compassionate assistance.

Medical Relief

Need medical support? Our swift loan services ensure you get the financial aid you require for your health emergencies. Quick, reliable, and designed to ease your medical burdens.

General Finance

Navigate the world of finance with confidence. Our comprehensive financial solutions empower you to achieve your goals, whether it's securing a loan, managing investments, or planning for the future. Trust us to be your partner in financial success.

Education Finance

Empower your academic journey with our tailored education finance solutions. We're here to support your educational aspirations, providing flexible funding options for a brighter future

Have Questions or Need Assistance? Chat with Our Expert Now!

Engage with us in real-time through our convenient chatbot feature! Click on the chat icon on the right of your screen to ask any questions or seek assistance regarding our loan rates, services and much more. Experience the convenience of instant support - just a click away! Your financial journey starts with a conversation.

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Helping local individuals and businesses reinvent themselves

Happy Clients: Delighting our clients with exceptional service and tailored financial solutions

Branches: With an extensive network, we proudly serve clients across all ten provinces of Zambia, ensuring accessibility and convenience for all.

Years of experience: Drawing from years of invaluable experience, we bring a wealth of knowledge and expertise to cater to your financial needs

Members:We take pride in our qualified team of dedicated professionals, ensuring personalized and expert service for every customer we serve.

Saul Phiri

Ceo & Founder

"The professionalism of the Whence team stood out. They took the time to understand my financial needs, customized a solution, and offered flexible repayment options that made the entire experience smooth and stress-free.

Bob Chiti


I'm grateful for the whence's transparent and straightforward approach. They guided me through the entire loan application, ensuring I understood every detail, and the funds were disbursed promptly.

Conrad Mwitwa

Store Owner

Securing a loan for my daughter's education was a breeze with Whence. Their personalized approach and affordable interest rates allowed me to provide her with the best education possible, making dreams come true.

Sharon Mumba


Facing an unforeseen medical situation, whence's compassion and efficiency were a lifeline. The quick approval and disbursement of funds allowed me to focus on my health without worrying about the financial burden of medical bills.

Jane Coner


Reliable and trustworthy, Whence delivered on their promises. From the initial consultation to the final approval, their commitment to customer satisfaction was evident, making them my go-to choice for any future financial needs.


Contact Us

Our Headquarters

Zimco House Building, Suites 401 & 402, 4th Floor, Chainda Place


+260 971 089407

Financial Services at your fingertips, On Your Terms!

Click here to start your application.


WFS Chat Support

Hi. My name is Whence. How can I help you?

👋 Hi. Welcome to Whence Financial Services. Click on the icon below to chat!