For employees
Complete onboarding, understand the exact cost, choose a verified payout account and follow every repayment.
Explore the employee journeyEmployer-backed salary support in Zambia
Money for today. A clear plan for payday.
ChifCash helps employees access short-term salary advances through verified employers, with every fee and reducing-balance deduction shown before acceptance.
Applications require identity and employment documents. Approval is not guaranteed.
Your early estimate
Based on verified salary details
Estimated advance range
K 1,500–3,000
- Example payout
- K 2,740
- Payroll deduction
- K 560 × 6
Exact fees, total repayment, and due dates are shown before you accept.
Protected account
Secure sign-in and verified payout details
Clear agreement
Exact terms accepted before disbursement
Traceable payments
Schedules, receipts and balances in one place
Built for both sides of payroll
One platform. Two focused journeys.
Employees get clear next steps. Employers get controlled payroll workflows. Each person sees only the workspace and actions available to them.
For employers
Verify employment, report exact deductions and reconcile each payroll remittance without hidden allocation.
Explore the employer journeyYour advance
ZMW 2,136.24
Outstanding balance
Next payroll deduction
ZMW 740.18
25 Jul
Repayment progress2 of 6 paid
Schedule
4 payments left
Status
Up to date
All figures come from your signed schedule
The product, not a promise
Your balance, next deduction and receipts stay together.
The installed app is designed around the information that matters now. It works as a familiar responsive website on larger screens and a focused native-style workspace on your phone.
- One clear next action on the home screen
- A private offline screen with no cached account data
- Borrower and employer workspaces without signing out
How it works
A short process with no missing steps.
Verify your details
Complete identity and employment checks so everyone works from accurate information.
See the full cost
Review the gross advance, service fee, net payout, interest and each payroll deduction.
Accept and receive
Accept the exact schedule, lock your verified payout account and track every payment.
Live product calculator
Estimate the payout and payroll deductions.
Figures come from the active public product, using the same reducing-balance pricing engine as loan origination. Your employer product and signed offer remain authoritative.
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Security and accountability
Financial actions should leave a clear trail.
Protected access
Identity checks, secure sessions and stronger passkey controls for sensitive administration.
Audited decisions
Approvals, document access and financial operations are attributable and reviewable.
Reconciled money movement
Payments use stable references and unmatched receipts wait for review instead of being guessed.
Choose the journey that fits your role.
Start with clear information. You can create an account when you are ready.