Zambia
Update: 29/01/2026
12 Optional
Loan amount
From 1,500 ZMW to 15,000 ZMW
Loan term
From 120 – 360 days
Interest rate
Monthly 1% – 3%; Annual 12% – 36%
Service fee
Calculated transparently based on loan amount and term
Eligibility
Zambia legal resident, 20–65 years old, stable income, valid ID
Disbursement
Fast approval and quick disbursement after approval
1969
0
Loan amount
From 100 to 15,000 ZMW
Loan term
From 91 - 120 days
Interest rate
Up to 0.1% per day
Service fee
Up to 0.4% per day
Eligibility
Zambian citizens, 18+, stable monthly income
Disbursement
Instant transfer to mobile money wallet
1970
0
Loan amount
From ZMW 100 to ZMW 20,000
Loan term
From 91 - 180 days
Interest rate
Up to 0.1% per day
Service fee
Up to 0.3% per day
Eligibility
Legal citizen of Zambia, 18 years old or above
Disbursement
Fast disbursement
1971
0
Loan amount
From 8,000 ZMW to 10,000 ZMW
Loan term
From 99 – 120 days
Interest rate
APR from 44.2% to 47.45%
Service fee
No hidden fees
Eligibility
From 18 years old, no collateral required
Disbursement
Fast payout after approval
1972
0
Loan amount
From 300 ZMW to 5,000 ZMW
Loan term
From 90 – 360 days
Interest rate
From 15% - 70% per year
Service fee
May include origination and approval fees
Eligibility
18+ years old, stable income, valid ID
Disbursement
Fast disbursement within the day
1971
0
Loan amoun
1000 ZMW to 10000 ZMW
Loan term
120-300 days
Loan interest rate
APR13.8%-30%
Loan service fees
0.1% to 0.3%
Registration requirements
Legal residents of Zambia
Payment support
On platforms such as e-wallets
2018
0
Loan amoun
1500ZMW-15000ZMW
Loan term
120 days to 360 days
Loan interest rate
annual interest rate 12-36%
Loan service fees
Free for the first loan
Registration requirements
All documents are valid
Payment support
Electronic wallet payment method
2004
0
Loan amoun
ZMW 800 to ZMW 10000
Loan term
61 days to 190 days
Loan interest rate
42.122% - 98.17%/annual
Loan service fees
Fluctuation of 2%
Registration requirements
Have all necessary documents and be at least 18 years old
Payment support
Bank payments and e-wallets
2007
0
Loan Amount
From 1,500 ZMW to 10,000 ZMW
Loan Term
inimum 100 days – Maximum 330 days
Interest Rate
Competitive rates starting from 12%
Service Fees
No hidden fees, 100% free
Eligibility Requirements
Zambian citizens or residents aged 20–65
Repayment Support
Payment via bank transfer and e-wallets
2005
0
Loan Amount
From 5,000 ZMW to 50,000 ZMW
Loan Term
From 180 to 360 days
Interest Rate
From 44.165% to 85%
Service Fees
No registration fees
Eligibility
No collateral or guarantor required
Repayment Support
Monthly installment payments
2017
0
Loan Amount
From 300 ZMW – 5,000 ZMW
Loan Term
From 121 days – 365 days
Interest Rate
From 16.71% - 23.31% per year
Service Fee
Service fee 1% of the loan amount
Eligibility Requirements
Residents of Zambia, Age between 21 and 65
Payment Support
Pay via Nguzu Advanced App
2011
0
Loan Amount
From ZMW 100 – ZMW 5,000
Loan Term
From 91 – 120 days
Interest Rate
Daily interest rate 0.03% – 0.076%
Loan Service Fee
Service fee up to 1% of the loan amount
Eligibility Requirements
Over 18 years old, stable income
Repayment Support
Payment via bank transfer or e-wallet
2035
0
Top Best Loan Apps
All
0
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Loan AmountFrom ZMW 100 – ZMW 5,000
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Loan TermFrom 91 – 120 days
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Interest RateDaily interest rate 0.03% – 0.076%
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Loan Service FeeService fee up to 1% of the loan amount
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Eligibility RequirementsOver 18 years old, stable income
-
Repayment SupportPayment via bank transfer or e-wallet
0
-
Loan AmountFrom 300 ZMW – 5,000 ZMW
-
Loan TermFrom 121 days – 365 days
-
Interest RateFrom 16.71% - 23.31% per year
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Service FeeService fee 1% of the loan amount
-
Eligibility RequirementsResidents of Zambia, Age between 21 and 65
-
Payment SupportPay via Nguzu Advanced App
0
-
Loan AmountFrom 5,000 ZMW to 50,000 ZMW
-
Loan TermFrom 180 to 360 days
-
Interest RateFrom 44.165% to 85%
-
Service FeesNo registration fees
-
EligibilityNo collateral or guarantor required
-
Repayment SupportMonthly installment payments
0
-
Loan AmountFrom 1,500 ZMW to 10,000 ZMW
-
Loan Terminimum 100 days – Maximum 330 days
-
Interest RateCompetitive rates starting from 12%
-
Service FeesNo hidden fees, 100% free
-
Eligibility RequirementsZambian citizens or residents aged 20–65
-
Repayment SupportPayment via bank transfer and e-wallets