Buy back
We are excited to inform you that Cfao Mobility Zambia Ltd and FNB Zambia have partnered to the Guaranteed BuyBack program which will provide a more affordable and rational finance solution to corporations and individuals at large.
We are excited to inform you that Cfao Mobility Zambia Ltd and FNB Zambia have partnered to the Guaranteed BuyBack program which will provide a more affordable and rational finance solution to corporations and individuals at large.

It is worth noting that under the Guaranteed BuyBack program, Cfao Mobility Zambia Limited will repurchase vehicles leased to customers through FNB Zambia at the end of the lease period for a defined and agreed value. This program is designed to make it easier for our customers to buy, use and eventually own a brand-new Toyota vehicle with more flexible financing terms.
The customer of the vehicle has the right of first refusal at the time of buy back. Meaning, after the initial lease period expires, the customer has the option to buy the vehicle from CFAO Mobility Zambia Limited. Alternatively, CFAO Mobility Zambia Limited has the right to sell the vehicle on the used cars market as per market conditions.
Under the Buy Back program, customers will be able to finance a smaller portion of the vehicles value, which will have lower monthly installments and the opportunity to enjoy the dream car.
To qualify for the program from FNB, customers must meet the following basic terms.
- Service plan for tenure of the lease is included in the package.
- The owner of the vehicle remains the bank until expiry of the lease.
- Vehicles to be equipped with tracking devices and CFAO Mobility Zambia Ltd is to keep data secured.
- Vehicles must be maintained and repaired at authorized CFAO Mobility Zambia Ltd workshops .
- All damages to body and paint must be repaired at Top Gear per Toyota standards.
- Vehicles to be always covered with full comprehensive insurance.
We believe this scheme offers a great opportunity for you to enjoy a brand-new Toyota vehicle at more affordable and flexible financing terms. If you have any questions or would like more clarity regarding information shared, contact us on 0978403194.
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.
- 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.
- Making smaller monthly repayments can help a business or individuals obtain a product that they would not generally be able to afford.
- 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.
- 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
- Minimum age is 18 years and maximum age is 60 years.
- Customer should be in confirmed employment.
- The maximum principal loan amount is K1,000,000.00 (USD50,000) depending on affordability. (Salaried individual should not exceed 60% of gross pay).
- Vehicle being financed may be used as security/collateral.
- The maximum Loan Term up to 36 months
- The minimum Loan Term is 6 months.
- The interest rate depends on market conditions, check with respective lender.
- Income Documentation (3 latest pay- slips or 6 months’ worth fluctuating commission earners)
- Individual Bank statement for last 3 months
- Identification card i.e., NRC or Passport
- Copy of Employment contract or Confirmation letter.
- Proof of residence: Employment Introductory letter, utility bill, tenancy agreement, land
rates etc.2
- Dully signed application form
Self Employed/Company
- Proof of operating premise: utility bill, tenancy agreement, land rates
- Identification card – NRC of Directors or sole proprietor designated to sign the facility documents as per Board Resolution
- Bank Statements for at least 12 months
- Digital/Passport size photo for Directors /Sole proprietor designated to sign the facility documents as per Board Resolution
- Preferably Audited Financial Statements and Recent Management Accounts (Audited not mandatory)
- Duly signed Application form
- 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.

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.

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.

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.

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.

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.

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

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.

















