Loans Without a Payslip in Zambia: 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 a clean repayment record.
Do these apps check the CRB?
The serious ones do, and defaulting can shut you out of future credit. A small loan default can block a big bank loan later.
Which apps should I avoid?
Avoid anything demanding an upfront fee, 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.
Loans without a payslip
Mirakash Instant LoanK300–K42,000⏱24 hoursOnlineappwebRate: 36% per year · Duration: 3–8 months · Lusaka · Copperbelt · Southern +7 moreBiuMoney Instant LoanK500–K2,000⏱5 minutesOnlineappwebRate: 29% (period not specified) · Duration: 30 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 moreMwachangu Instant LoanK100–K5,000⏱5 minutesOnlineappRate: 20% (period not specified) · Duration: 91 days · Lusaka · Copperbelt · Southern +1 moreAfrimula Instant LoanK8,000–K10,000⏱5 minutesOnlineappRate: 47.45% per year · Duration: 3–4 months · Lusaka · Copperbelt · Southern +7 moreZamcash (Biu Capital) Instant LoanK500–K5,000⏱5 minutesOnlinewebRate: 20% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +7 more
More small loans that skip the payslip
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 morePower Kwacha Instant LoanK100–K5,000⏱24 hoursOnlineappRate: 34.01% per year · Duration: 3–4 months · Lusaka · Copperbelt · SouthernZammoney 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 moreFlexImpiya Instant LoanK5,000–K150,000⏱24 hoursOnlineappRate: 35% per year · Duration: 6–12 months · Lusaka · Copperbelt · Southern +1 moreMonifi Instant LoanK1,000–K10,000⏱24 hoursOnlineappRate: 24% per year · Duration: 91–365 days · Lusaka · Copperbelt · Southern +7 moreSoloCredit Instant LoanK1,000–K10,000⏱24 hoursOnlineappRate: 32% per year · Duration: 91–320 days · Lusaka · Copperbelt · Southern +1 moreZeedLoans Instant LoanK200–K5,000⏱24 hoursOnlineappRate: 29% per year · Duration: 90–365 days · Lusaka · Copperbelt · Southern +2 more
