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Car Loans

CAR LOANS

The cost of buying used vehicles to meet business or personal needs can at times be difficult due lack of access to funds. For this reason, CFAO Mobility Zambia Limited has signed MOUs with leading Banks and Non-Banking lending institutions to provide loans for business and individuals who may require it to finance the purchase of a vehicle.

Benefits

Some of the benefits of getting a loan as opposed to outright cash purchase are.

  1. A loan allows clients to have access to a higher standard of motor vehicle than what they would afford by making outright payment using their own resources.
  2. Making smaller monthly repayments can help a business or individuals obtain a product that they would not generally be able to afford.
  3. Repayments can be structured to provide greater flexibility so that repayments can best accommodate the individual cash flow requirements of a specific business or individuals income.
  4. For business it allows for conservation of operating capital, and it frees up working capital for inventory, expansion and other emergencies thereby allowing the business to focus on other growth areas.

Requirements

The requirements vary based on the lending institution, but generally the requirements are:

Individuals

  1. Minimum age is 18 years and maximum age is 60 years.
  2. Customer should be in confirmed employment.
  3. The maximum principal loan amount is K1,000,000.00 (USD50,000) depending on affordability. (Salaried individual should not exceed 60% of gross pay).
  4. Vehicle being financed may be used as security/collateral.
  5. The maximum Loan Term up to 36 months
  6. The minimum Loan Term is 6 months.
  7. The interest rate depends on market conditions, check with respective lender.
  8. Income Documentation (3 latest pay- slips or 6 months’ worth fluctuating commission earners)
  9. Individual Bank statement for last 3 months
  10. Identification card i.e., NRC or Passport
  11. Copy of Employment contract or Confirmation letter.
  12. Proof of residence: Employment Introductory letter, utility bill, tenancy agreement, land

rates etc.2

  1. Dully signed application form

Self Employed/Company

  1. Proof of operating premise: utility bill, tenancy agreement, land rates
  2. Identification card – NRC of Directors or sole proprietor designated to sign the facility documents as per Board Resolution
  3. Bank Statements for at least 12 months
  4. Digital/Passport size photo for Directors /Sole proprietor designated to sign the facility documents as per Board Resolution
  5. Preferably Audited Financial Statements and Recent Management Accounts (Audited not mandatory)
  6. Duly signed Application form
  7. Company Documentation.
  • Business profile
  • Certificate of incorporation
  • Stamped PACRA print out
  • Articles of Association/Partnership deed or equivalent
  • Tax Clearance Certificate
  • Board Resolution

For more details on how call us now on +260 971 268 000 or visit any of our branches in Lusaka, Kitwe, Solwezi and Livingstone.


Happy Toyota Customer

A few weeks ago, on a bright morning at the Toyota Cairo showroom, Ms. Agness Ilukena walked in ready to make a decision that would transform her daily routine. After a complimentary test drive in the Toyota Belta, she made her choice, a vehicle built to deliver far more than just transportation.

“I needed a car that could keep up with my lifestyle,” Ms. Ilukena shared. “Between work and personal commitments, I wanted something both agile and reliable.”

Renowned for its exceptional fuel efficiency, the Toyota Belta makes every journey, whether a daily commute or a weekend errand, economical and stress-free.

For Ms. Ilukena, the decision went beyond fuel savings. “Choosing Toyota means peace of mind,” she added. “Knowing genuine parts are always available and that I’m backed by the best in the industry made all the difference.”

Now, Ms. Ilukena takes to the road with grace and confidence. The Belta is more than a car; it’s a partner in navigating life’s demands with style.

We at CFAO Mobility extend our warmest gratitude to Ms. Ilukena for trusting our brand. Welcome to the family, and happy driving.


Give the Gift That Honors Your Trusted Partner

We are offering a rare opportunity on Genuine Toyota brake pads at a significant 50% discount off their standard price, from selected models.

Available Offers:

  • Toyota Fortuner – Model – GUN156R, KUN156R, TGN156R) Now at K1,114
  • Toyota Corolla Cross – Model – ZSG10R Now at K643
  • Toyota Hilux Single Cab – Model – KUN122R, GUN122R, TGN121R) Now at K2,600 

This clearance promotion applies to specific Toyota models only. Genuine Toyota brake pads ensure perfect fitment, superior stopping power, and longevity that protects your vehicle. With stock strictly limited, this 50% saving makes it the ideal time to invest in your vehicle’s safety.

This offer is valid only while clearance stocks last, call us on 0971268001 for more details.


A Call to Action: Joining Forces Against Rabies in Chongwe District

In the quiet communities of Chongwe District, a silent and deadly threat persists, rabies. This preventable disease remains a grave public health concern, endangering both human and animal lives. The urgent need for a large-scale vaccination and awareness campaign is clear, and the Lusaka Animal Welfare Society (LAWS) has stepped forward with a robust plan to tackle it head-on.

We at CFAO Mobility Zambia Limited have reviewed LAWS’s comprehensive proposal and commend their unwavering dedication to animal welfare and community health. Such initiatives are the bedrock of a safer, healthier Zambia. After careful consideration, we are pleased to announce our commitment to support this critical campaign by funding 50% of its proposed budget.
“We are personally encouraged by the meaningful work LAWS is championing,” said Mr. Dino Bianchi, CEO of CFAO Mobility Zambia. “Protecting community health and fostering compassion for animals is a shared responsibility. Our support is a catalyst, but the true success of this campaign in Chongwe will be realized through broader collaboration. We call on other partners to join us in this vital mission.”

However, the path to eradicating this threat requires a united front. While our contribution provides a solid foundation, the full scope and sustainability of the Chongwe campaign depend on broader collaboration. Therefore, we are not merely offering support; we are issuing a call to action.

We urge the business community, non-governmental organizations, and critically, relevant government institutions, to join this mission. Strong partnerships with the Ministry of Fisheries and Livestock, the Ministry of Community Development and Social Services, the Ministry of Local Government and Rural Development, the Provincial Health Office, and international bodies like the International Fund for Animal Welfare are essential. This campaign is perfectly aligned with national health and livestock protection goals, and such synergies will amplify its impact and reach.

To catalyse this collaboration, we will be supporting an initiative to raise public visibility for this campaign. The goal is to attract wider stakeholder interest and secure the remaining funding needed to make Chongwe District a model for rabies prevention.

The fight against rabies is more than a veterinary issue; it is a community health imperative. It is a test of our collective will to protect our families, our livestock, and our neighbours. By combining resources, expertise, and commitment, we can transform this challenge into a resounding success story for Chongwe.

Let this be the moment we come together. Let us support LAWS in this vital work. The health of our community depends on it.
A Shared Responsibility for a Healthier Zambia.


A Legacy of Loss, A Pledge of Protection: Chongwe’s Fight Against Rabies

In Chongwe District, Rabies entered homes not as a rumor, but as a relentless outbreak. It came from the bite of infected dogs, moving silently from animal to animal. It thieved livestock from kraals and with a profound and final cruelty, stole loved ones from families. The loss and grief left in its wake became a shared burden, a deep, communal wound. That wound is now the root of our resolve. From a legacy of loss grows a united pledge of protection.

Now, the grounds of Chongwe Primary School buzzed with an energy that felt different last Wednesday. It wasn’t just the chatter of children or the rustle of leaves. It was the palpable hum of a community deciding to change its future. On January 14th, 2026, under a sky that showered the day with a soft, persistent rain, Chongwe didn’t just launch a vaccination campaign; it wrote the first chapter of a new story, a story of a rabies-free community.

Even the weather could not dampen the resolve. Under a tapestry of umbrellas and makeshift rain covers, a line of determined residents waited, their dogs beside them. A chorus of eager barks cutting through the patter of the rain, each one a patient (if noisy) plea for protection. The chapter began with a handshake, a symbol of a powerful alliance forged in these damp, hopeful conditions. His Worship, the Mayor, Mr. Christopher Habeenzu, stood surrounded by a coalition that painted a perfect picture of modern community action.

Beside him were the steadfast faces of the Chongwe Town Council and the technical experts from the Ministry of Livestock and Fisheries and the Veterinary Association of Zambia. But the circle was wider. It included private sector champions who had chosen to invest not just in business, but in breath and heartbeat.

The vision was made real by a foundational gesture from CFAO Mobility, funding half the campaign engine, championed by the relentless advocates of the Lusaka Animal Welfare Society (LAWS). Then, from NemChem Zambia, came another powerful commitment. Managing Director Mr. Jared Buratto didn’t just sign a cheque; he endorsed cause, ensuring that good intentions were matched with the cold-chain logistics and vital vials needed for success.

“This campaign extends far beyond veterinary medicine,” Mayor Habeenzu’s voice carried across the gathered crowd, rich with conviction, undeterred by the drizzle. “It is a profound public health imperative. The solidarity you see here today, this is the true engine of our progress.”

His words were not just heard; they were met with action. As the rain gently soaked the earth, so did the community’s commitment take root. Families arrived, their dogs on leads and in arms, undaunted by the shower. The line snaked around the school ground, a living, barking testament to trust. By day’s end, 642 dogs had received their protective shield. Each needle prick was a tiny defeat for a deadly virus and a massive leap of faith by the people.

Faith Nawakwi representative of CFAO Mobility, watched the lines, her sentiment echoing the day’s spirit: “CFAO is committed to taking part to save lives, not just animals, but humans at large. It’s a ripple effect.” And the ripples were spreading. The campaign, as explained to every attentive pet owner, was a twin mission: to vaccinate every possible dog and to seed the community with knowledge on responsible pet ownership, building a wall of prevention that would last for years.

The Mayor, mingling with residents under the sheltering eaves, made the message personal. “This threat touches us all,” he emphasized, thanking the turnout. “Your cooperation today, rain or shine, is what transforms a government programme into a community shield. Please bring every dog. This service is for you, for your children, for our shared safety.”

As the first day drew to a close and vaccination teams packed their kits to fan out across the district in the coming days, something more than a public health initiative remained. 

It is a beacon proving a powerful truth, that a safer, healthier future is forged not by a single entity, and not under perfect conditions, but at the crossroads where compassionate governance, expert civil society, purpose-driven business, and an engaged community meet. In Chongwe, that future is no longer a distant hope. It is now a mission in motion, with every vaccinated paw, every informed smile, and every joyful bark in the rain actively building a rabies-free tomorrow. 

The story has begun. And Chongwe is united to see it through.


Clearance: Save 50% on Genuine Toyota Brake Pads

We are offering a rare opportunity on Genuine Toyota brake pads at a significant 50% discount off their standard price, from selected models.

Available Offers:

  • Toyota Fortuner – Model – GUN156R, KUN156R, TGN156R) Now at K1,114
  • Toyota Corolla Cross – Model – ZSG10R Now at K643
  • Toyota Hilux Single Cab – Model – KUN122R, GUN122R, TGN121R) Now at K2,600 

This clearance promotion applies to specific Toyota models only. Genuine Toyota brake pads ensure perfect fitment, superior stopping power, and longevity that protects your vehicle. With stock strictly limited, this 50% saving makes it the ideal time to invest in your vehicle’s safety.

This offer is valid only while clearance stocks last, call us on 0971268001 for more details.


Elated Customer,  Annie and Her New Toyota Hilux

At the heart of our mission are the stories our customers create with their vehicles. Today, we’re honored to share one from Ms. Annie Chimponda Makunka.

Annie came to us seeking a vehicle that could seamlessly adapt to her dynamic lifestyle, something robust, reliable, and versatile. Her choice? The formidable Toyota Hilux.

We were thrilled to learn that the Hilux’s perfect blend of flexibility and utility resonated with her vision. It’s more than just a purchase; it’s the beginning of countless journeys, projects, and adventures, all backed by unwavering capability.

We extend our deepest gratitude to Annie for placing her trust in us. Her support is the driving force behind what we do. From our entire team, we wish her many years of happy and safe travels. May every mile in her Hilux be as exceptional as she is.

Thank you for letting us be part of your story, Annie.

Visit us to write the next chapter of your driving story


Website Maintenance Notice

Dear Valued Customers,

Please be advised that the Toyota Zambia website will undergo scheduled maintenance beginning Monday the 12th of January 2026.
During this period, the website may be temporarily unavailable.
Should you require any assistance, please do not hesitate to contact us directly at 0971268001.
We sincerely apologize for any inconvenience this may cause and appreciate your patience and understanding.

Management
CFAO Mobility Zambia Ltd.


Holiday Trading Hours Notice

Please be advised of our revised operating hours during the festive season.

CFAO Mobility Branches & Authorized Service Centers will operate as follows:

  • Wednesday, 24th December 2025: Close at 12:00 hrs.
  • Thursday, 25th December 2025: CLOSED (Christmas Day Public Holiday)
  • Friday, 26th December 2025: CLOSED for Christmas celebrations
  • Saturday, 27th December 2025: CLOSED for Christmas celebrations
  • Monday, 29th – Tuesday 30th December 2025: OPEN (Limited Staff)
  • Wednesday, 31st December 2025: Close at 12:00 hrs.
  • Thursday, 1st January 2026: CLOSED (New Year’s Day Public Holiday)
  • Friday, 2nd January 2026: Resume normal business hours

We thank you for your understanding and wish you and your loved ones a joyful Christmas and a safe, prosperous New Year!

We look forward to serving you fully in 2026!

The CFAO Mobility Team


TOYOTA GAZOO Racing to Exhibit at Tokyo Auto Salon 2026

TOYOTA GAZOO Racing (TGR) plans to exhibit at Tokyo Auto Salon 2026*1 to be held at Makuhari Messe (in Chiba City, Japan) for three days from January 9 to 11, 2026. TGR’s booth at the event will showcase TGR’s new GR GT and GR GT3 flagship models, as well as other vehicles and vehicle parts. The exhibition is to take place at Makuhari Messe’s North Hall alongside Daihatsu Motor Co., Ltd., Toyota Industries Corporation, and others, as Toyota Group members come together to boost excitement at Tokyo Auto Salon 2026. Chairman Akio Toyoda, aka Master Driver Morizo, is scheduled to appear at a media-only press conference planned for live-streaming*2 to the general public on January 9 starting at 9 a.m.

The GR GT and GR GT3, which world premiered on December 5, are to mark their first reveal to the general public by being exhibited at Tokyo Auto Salon 2026. As part of the event, both models are scheduled for demo runs on January 10.

Additionally, during the event’s three days, TGR plans to hold talk sessions featuring various personalities, as well as other vehicle demo runs. Detailed information on exhibited items, the talk sessions, the demo runs, and others can be found on the following special website.
https://toyotagazooracing.com/eventexhibition/tokyoautosalon/

Exhibited vehicles

This year’s TGR booth will showcase TGR’s new GR GT and GR GT3 flagship models. Plans include treating visitors to up-close and detailed viewing of cutaway models of Toyota’s first all-aluminum body frame and production-vehicle 4-liter, V8 twin-turbo engine, both of which are featured in the GR GT and GR GT3. The exhibit is to include several other vehicles, including the currently under-development GR Yaris MORIZO RR and GR Yaris Sébastien Ogier 9x World Champion Edition*3, as well as other concept models.

 

Other exhibits and event details

Merchandise: Sale of multiple items, including GR GT-related merchandise and merchandise offered for the first time

The TGR booth will feature a store offering official TGR merchandise that is planned to include 1/43 scale models of the Toyota 2000GT, Lexus LFA, and GR GT as a three-car set based on the currently airing television commercial “THE OVERTAKE”, as well as a 1/43 scale model of the GR GT3. Also to launch with this Tokyo Auto Salon are sales of sunglasses developed in collaboration with American eyewear brand Oakley and items newly developed in collaboration with American apparel brand New Era.

 

Renewed GR app: Release and downloadability of the “GR app” for supporting customers’ car lifestyles

On the occasion of Tokyo Auto Salon 2026, the current official TGR “GR Passport” app is to relaunch as the “GR app”, downloadable from January 9. The renewed app is planned to be packed with features that support the car lifestyles of GR-vehicle owners and enhance their love of the GR brand. Specifically, in addition to the features of the current “GR Passport”, the “GR app” is designed to make various aspects of car lifestyles more exciting. It is to feature a “Home Garage” function and a system that allows users to heighten their in-app rank through vehicle and/or parts purchases and event participation, ultimately exchanging such for various benefits, as well as the ability to submit purchasing lottery applications, among other functions. Details are to be forthcoming.

GR Heritage Parts: Exhibit of prototypes of parts slated for release in 2026

GR Heritage Parts on display are to include the prototype of a dashboard for the A80 Supra, combined with the currently available reproduced and reissued A80 gauge-area panel. Also planned for exhibit are the 4A-GE engine cylinder head and cylinder block, due for release in May 2026 for the AE86, as well as several reproduced and reissued parts for the A70 Supra, A80 Supra, and Land Cruiser.

 

GR Parts: Exhibit of “GR PERFORMANCE SOFTWARE” with an expanded Circuit Mode

To be on display in an experience format is “GR PERFORMANCE SOFTWARE”, a new GR Parts product that expands the functionality of the Circuit Mode currently installed on certain currently available vehicle models, allowing enjoyable driving that brings out a user’s beloved car’s full potential in a wider range of situations. A large number of GR Parts, including those already scheduled for release, are also to be displayed, accompanied by reference displays of parts currently under development.

 

Talk session and demo runs: Scheduled runs of the GR GT, GR GT3, and rally cars

The talk sessions are to comprise various segments featuring Morizo and TGR drivers active in Japan and abroad. Outside, demo runs of the GR GT, GR GT3, and rally cars are scheduled, with the GR GT and GR GT3 being driven in public for the first time ever*4.*5

*1 For an overview and details of Tokyo Auto Salon 2026, please see: https://www.tokyoautosalon.jp/2026/.
*2 The livestream can be watched here: https://www.youtube.com/live/AodXo4f46Fg
*3 The names of under-development vehicle models are subject to change.
*4 Excluding promotional footage
*5 All exbihits are subject to change without notice.


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