KPV Financial Services Limited provides one of the best payroll backed loans to civil servants in Zambia. A payroll loan is a cash advance that is given to a borrower based on their employment status and income. Our team is very efficient in our approval process ensuring you get instant cash for your loan. The payroll backed loans are meant to meet your needs. Whether you require the money for education, car insurance, medical bills, funeral expenses, building materials, capital for small businesses and other financial needs, KPV Financial Services is here to assist.