Emergency Mobile Loans in Zambia: questions
How do I borrow on MTN MoMo?
Dial *115#, open Kongola & Savings, then Kongola. Lenders inside include Konza, Kasaka, XtraCash (Access Bank), Xpress, KaStarta and Zed-Fin. Your limit is shown in the menu.
How do Airtel Na Sova loans work?
Dial *115#, option 5. Terms are 7, 14 or 21 days with one payment at the end. Na Sova is powered by Jumo. Late payment attracts a 10% extension fee.
How fast do emergency loan apps pay?
Listed apps typically pay out within minutes to hours to your mobile wallet: Zamcash and Zeed around 5 minutes, others up to 30 minutes or a few hours.
What do I need to qualify?
Usually just an NRC, an active SIM and mobile-money account, and sometimes proof of income. First loans are small (K100–K500) and grow with your repayment history.
Emergency & mobile loans
Airtel Money Kwika LoanussdLusaka · Copperbelt · Southern +7 moreAirtel Money MFZ LoansussdLusaka · Copperbelt · Southern +7 moreAirtel Money KaFast LoanussdLusaka · Copperbelt · Southern +7 moreAirtel Money ZedFin LoanussdLusaka · Copperbelt · Southern +7 moreAirtel Money Ka'Starta LoanussdLusaka · Copperbelt · Southern +7 moreAirtel Money Fikiliza OverdraftussdLusaka · Copperbelt · Southern +7 moreAirtel Money Konza LoanussdLusaka · Copperbelt · Southern +7 moreAirtel Money ZamCredit LoanussdLusaka · Copperbelt · Southern +7 moreOmanpesa Instant LoanK1,000–K10,000appRate: 30% per year · Duration: 4–12 months · Lusaka · Copperbelt · Central +7 moreZigi Instant LoanK1,200–K4,000appDuration: 30 days · Lusaka · Copperbelt · Central +7 moreKula Plus Instant LoanK100–K5,000⏱15 minuteswebRate: 25% (period not specified) · Duration: 95 days · Lusaka · Copperbelt · Central +7 morePeony Money Instant LoanK1,500–K15,000appRate: 36% per year · Duration: 4–12 months · Lusaka · Copperbelt · Central +7 moreBanjaFlow Instant LoanK100–K5,000appRate: 36% per year · Duration: 3–6 months · Lusaka · Copperbelt · Central +7 moreMirakash Instant LoanK300–K42,000⏱24 hoursOnlineappwebRate: 36% per year · Duration: 3–8 months · Lusaka · Copperbelt · Southern +7 morePower Kwacha Instant LoanK100–K5,000⏱24 hoursOnlineappRate: 34.01% per year · Duration: 3–4 months · Lusaka · Copperbelt · SouthernBiuMoney Instant LoanK500–K2,000⏱5 minutesOnlineappwebRate: 29% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +7 moreZammoney Instant LoanK500–K2,000⏱5 minutesOnlinewebappRate: 29% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +7 moreImpiya Instant LoanK200–K50,000⏱5 minutesOnlineappRate: 31.3% per year · Duration: 91–230 days · Lusaka · Copperbelt · Southern +7 moreFairMoney Instant LoanK500–K20,000⏱5 minutesOnlineappwebRate: 25% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +5 moreSuperKwacha Instant LoanK50–K15,000⏱5 minutesOnlineappRate: 183% per year · Duration: 3–4 months · Lusaka · Copperbelt · Southern +7 more
Other short-term loans
Nazo Cash Nazo Cash Salary LoanK500–K2,000webDuration: 30 days · Lusaka · Copperbelt · Central +7 moreMTN Zambia MoMo AdvanceK100–K3,000⏱5 minutesOnlineussdappRate: 10% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +7 morePremierCredit Zambia PaydayK500–K20,000⏱24 hoursOnlineappbranchussdRate: 12% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +1 moreUnifi Credit Personal LoanK300–K42,000⏱24–48 hourswebRate: 65% (period not specified) · Duration: 3–12 months · Lusaka · Copperbelt · Southern +2 moreIzwe Loans Salary AdvanceUp to K3,500⏱1–3 dayswebRate: 62.35% (period not specified) · Duration: 1–3 months · Lusaka · Copperbelt
