Pokeni Ama Loan
Get to know your affordability, or how much you can borrow
from anywhere or from a place of comfort.
Only available in Zambia
Discover the Best Loan Options
Tired of searching for the perfect loan? Look no further!
TOCH Consultancy Services helps you discover a treasure trove of loan choices to suit your unique needs. With Toch Consultancy, you get expert guidance and advice right at your fingertips.
Download our Toch App on
Enjoy the convenience of exploring your financial borrowing options from home or place of convenience, with complete privacy and confidentiality. Perform all your loan estimate calculations and loan application requests with privacy and ease.
Toch App Main Features
Affordability Calculation
Affordability calculation for a loan involves figuring out if you can comfortably handle repaying the loan amount, including interest, within your budget.
General Loan Calculations
Get precise loan estimates from various lenders with our powerful app calculator.
No more guessing games! Our tool clearly highlights the potential loan amounts, so you know what to expect.
Loan Refinancing Calculation
This is for individuals with existing loans. If a borrower has an existing loan, they may want to consider refinancing to get a better interest rate, lower monthly payments, or get a top-up loan (or additional loan).
Loan Application Request
Request loan applications directly through the app, eliminating the need to visit multiple lending institutions.
Enjoy the convenience of exploring your financial borrowing options from home or any place of convenience, with complete privacy and confidentiality.
Loan Request
Apply for Loans Hassle-Free: Request to apply for loans directly through the Toch app or on our website, eliminating the need to visit multiple lending institutions.
Once you fill out a loan application request, one of our agents will contact you to begin the journey of helping you get a loan at your preferred lending institution or at a lending institution that can meet your needs.
Say goodbye to moving from one lending institution to another. TOCH saves you time by streamlining the loan process for you!
Loan Application Management
This service helps you when you want to apply for a loan and need some guidance. Applying for a loan can be complicated and take a lot of time. We're here to manage the entire process for you—from helping you gather the required documents to submitting the application and following up with lenders. This eliminates the need to physically visit various lending institutions, saving time and money.
Even individuals in far places or in the outskirts of the country can access our services without physically traveling to find out how much they can borrow from a lending institution. They can visit a lending institution physically only when the loan is approved, to sign the loan contract and collect the money that is being lent to them.
⏰ Save Time & Effort: Say goodbye to moving from one lending institution to another. TOCH saves you time, streamlining the loan process for you!
Our mission
Our mission is to transform Zambia's lending landscape with accessible financial services through our TOCH app, website, and consultancy. We empower clients with knowledge, promote financial inclusion, and ensure privacy and security in partnership with lending institutions.
Our values
At Toch, our values guide everything we do. We prioritize integrity, transparency, and customer-centricity in our approach to lending consultancy. We are committed to fostering trust, innovation, and excellence in all aspects of our services.
Our team
At Toch, we believe in the power of teamwork. Our collaborative spirit drives us to work together seamlessly, leveraging each team member's strengths to achieve our common goals.
Join the thousands of individuals who trust us to help them with financial services and guidance.
Partner with us to make the right financial moves.