WayFina
Increase your farm profits with
Buy Now Pay Later program from Wayfina
Apply now
Access fertilizers, seeds, and agrochemicals with credit.

Regions covered
3
Farmers network
1000+
Input dealers onboard
2
Approval time
24H
Helping farmers access what they need. Fast and fair. No interest. collateral. No hidden fees.
How it works
Step 1: Chose what you need
Choose inputs from the catalogue and tell us about your farm: location, crops, size.
Next
  • Fill in a simple application form on-line.

  • Or call us by the phone.
How it works
Step 2: Wayfina will check
Your application and then contact you from more details like your past purchases and sales, land ownership, photo ID.
Next
  • Just take a photo of your ID and other documents and send by WhatsApp.
How it works
Step 3: After final approval
You will get personal credit limit. Now you can pay half price for agri inputs upon collecting and another half upon selling your harvest.
Next
  • You will receive a sales contract with all terms and conditions.
  • Bring your photo ID when collecting your fertilizers.
How it works
Step 4: Collect fertilizers
Or order delivery, grow your crops and grow your profits!
Next
  • We deliver by a trusted courier service across Zambia at fair cost.
  • Bring your photo ID when collecting your fertilizers.
View all
View all
Fertilizers
Support every step of the way
From first request to post-harvest, we’re with you.
Simple application
Apply digitally or with help from your local dealer.
Trusted local partners
We work with dealers you already know and trust.
No collateral, no banks
Access credit without traditional barriers.
WayFina isn’t just financing — it’s a partner in your growth. Accessible inputs without collateral or dealing with banks.
Through a trusted network of local dealers, we ensure you get what you need, when you need it — with full support from application to harvest.
Advantages
We’re proud to share real-life stories from farmers who have grown more and reduced risks thanks to WayFina. Hear how the platform supports them every step of the way.
Customer testimonials
Mulawo Mpunu
Farmer from Kaoma district
«I got my top dressing Urea right on time and paying only 50% of the price. The rest I will pay with ease when I sell my maize in June.»
Sydney Siyamenda
Farmer from Nkeyema, Zambia
«With WayFina, I got high-quality fertilizers without any upfront payment, which seemed impossible before. My yields grew by around 20%, and most importantly, I don’t have to worry about paying until after the harvest. Applying was super easy, and I got approved in just one day. Now I feel my business is stable and ready for future challenges.»
We’re proud to share real-life stories from farmers who have grown more and reduced risks thanks to WayFina. Hear how the platform supports them every step of the way.
Customer testimonials
Mulawo Mpunu
Western Province
«I got my top dressing Urea right on time and paying only 50% of the price. The rest I will pay with ease when I sell my maize in June.»
Sydney Siyamenda
Farmer from Nkeyema, Zambia
«With WayFina, I got high-quality fertilizers without any upfront payment, which seemed impossible before. My yields grew by around 20%, and most importantly, I don’t have to worry about paying until after the harvest. Applying was super easy, and I got approved in just one day. Now I feel my business is stable and ready for future challenges.»
Still have questions?
Contact us to get answers to all your questions.
FAQ
Wayfina is a Buy Now Pay Later program which allows farmers to get agri inputs upon making only 50% deposit, and to pay remaining 50% of the cost after harvest.
Select the needed agri inputs from our catalogue and submit your order. Our team will contact you to collect info like farm location, crops, yields etc in order to calculate your credit limit.
Anyone who grows for profit and wants to earn more. Size doesn’t matter.
Wayfina does not charge interest rate or any hidden commission.
No collateral.
Currently you can collect from our warehouse in Lusaka, but we organize delivery to certain locations at a fee.
Yes Wayfina can monitor your fields and send agent to ensure your ability to pay back.
Yes Wayfina will insure your crops against loss due adverse weather conditions.
Yes, as long as you have a rental agreement or an offer letter.
Yes you can, Wayfina is linking together farmers and suppliers by bridging financial gap. Send us your proposal to [email protected]
We welcome agents, send your proposal to [email protected]
Still have questions?
Contact us to get answers to all your questions.
At WAYFINA, we empower financial institutions with innovative fintech solutions to streamline operations and boost growth.

Our platform blends advanced lending automation with AI-driven credit risk insights, delivering efficiency, accuracy, and scalability for corporate and retail loans. Transform your business with WAYFINA.
WayFina’s platform fintech solutions
Lending software for banks
Automate business lending processes - from the application and preparation of documents to data verification, issuance,
and repayments. A loan management system for corporate and retail lending.
AI-powered credit scoring
A platform that automatically builds scoring models and analyzes credit risk. Evaluate farmers by the criteria that is important to your business in a matter of minutes — not weeks.
34F Leopards Hill Road, Kabulonga, Lusaka, Zambia
Office 7 - The Works, Latitude 15 Hotel
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