Loans Without a Payslip in Zambia
No payslip, no problem — but smaller money. App lenders replace the payslip with your phone: mobile-money transactions, call history and NRC verification decide your limit. First loans are usually K100–K500 and grow if you repay on time.
Be careful: some apps download your messages and call your contacts when you default. The lenders below are listed with their published ranges — and where reviewers report aggressive collection, we say so on the listing.
Compare 7 options (live figures)
Frequently asked questions
Can I really get a loan with no payslip?
Yes, from app lenders that score you on mobile-money activity instead. Banks and payroll lenders will still ask for a payslip.
How much can I get first time?
Typically K100–K500. Lenders like Peony, Zigi and Kula Plus raise limits for repeat borrowers with clean repayment.
Do these apps check the CRB?
Serious ones do, and defaulting can blacklist you from future credit. A cheap small loan default can block a big bank loan later.
Which apps should I avoid?
Avoid anything demanding upfront fees, anything not on the Play Store, and lenders with no physical address or company name. Check Bank of Zambia licensing where it matters to you.