6 mobile money loans in Zambia

Mobile loans in Zambia refer to loan facilities available over mobile phone devices either smartphones or feature mobile phones. 

Nowadays,it very easy to access mobile loans in Zambia since the introduction of the same by the major mobile money wallets companies mainly the telecommunication companies and mobile loan apps.

With a smartphone a customer can get a loan via a mobile app, via a USSD code or via SIM toolkit. A person using a feature phone however,can only use a USSD code or SIM toolkit to access mobile loans. 


The mobile loans can go up to K10,000 and the processing is instant provided the applicant is eligible.

6 Mobile money loans in Zambia 

These mobile loans are provided by mobile money wallets and telecommunications companies; 
Kongola banner
Kongola banner


1. Kongola Xtracash by MTN 

You can dial*303# to get up to K10,000 kongola Xtracash instant loan which is disbursed directly to your MTN money wallet account.

To pay ,make sure you have money in your MTN mobile money wallet on the repayment date. Deduction will happen automatically to pay the loan.

2. Nasova Cash loan by Airtel money

You can get Airtel Nasaova cash loan directly deposited in to your Airtel money wallet instantly after making an application.

All you need is to dial *778# to make a loan application or payment. Customers can still dial *115# to pay nasova cash loans.

3. Jumo loans 

It's a mobile  money lending platform which gives K26 to K1,000 as loans to borrowers via Airtel money in Zambia. 

5. Hi Loans Zambia

You can get fast mobile loans from hi loans Zambia by downloading the app from Google play store and create your account.

6. AmberCash loans Zambia

Amber Cash is another mobile money app. To apply for loans, you'll need to download AmberCash loan app, create your account and apply.


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