Zambia's Layby Discovery Platform
Buy what you need today.
Pay in small amounts
over time.
From verified Zambian retailers — furniture, electronics, appliances, vehicles and more.
Popular: Furniture Electronics & TV Home Appliances Phones & Tablets Motor Vehicles
Verified retailers only
Every retailer is reviewed before listing
Legally compliant plans
Cap 399 validated before you can apply
Written agreement always
Signed by both sides — no verbal deals
Across all 10 provinces
Retailers from Lusaka to Solwezi
What do you need?
All products →Available Layby Plans
Verified retailers · Legally compliant · Apply today
Retailers are getting set up — check back soon.
Why not just use Facebook or WhatsApp?
Layby with structure. Layby with protection.
Informal layby through social media has no rules, no receipts, and no recourse if something goes wrong. Zedlayby changes that.
WhatsApp / Facebook
- ✗ No written agreement
- ✗ No payment tracking
- ✗ No receipts or proof
- ✗ No legal protection if dispute
- ✗ Retailer can change terms
Zedlayby
- ✓ Signed digital agreement
- ✓ Every payment tracked & receipted
- ✓ Dispute resolution built in
- ✓ Rights protected under Cap 399
- ✓ Terms locked — can't be changed
Shop on Credit
- ~ Requires bank account
- ~ Credit checks required
- ✗ Interest added to price
- ✗ Debt collection if you miss
- ~ Not available to everyone
Simple process
From browsing to owning — in 3 steps
No paperwork upfront. No bank visits. Just find what you want and start.
Find your item
Browse thousands of products from verified retailers. Filter by deposit size, monthly payment, or location. Compare plans until one fits your pocket.
Apply & get agreement
Apply directly to the retailer. Once approved, you both receive a signed legal agreement — every instalment, every date, locked in writing.
Pay & collect
Pay your instalments online or in-store — every payment is tracked and receipted. When you're done, collect your item. It's yours.
For retailers
Reach more customers.
Without the paperwork.
List your layby plans on Zedlayby — we validate legal compliance, generate agreements automatically, and track every payment. You just approve applications and focus on selling.