Top 10 Loan Apps In Zambia 2025 Reviews

Newly reviewed loan apps in Zambia for 2025. Simply download one of these loan apps in Zambia and enjoy your financial life.  These days loan interest rates are even cheaper and with smartphones, you can access them 24/7 at your fingertips. 

The key is to try several loan apps till you find the one that suits your needs. Some companies have cheaper interest rates than others. 

These Latest loan apps have great user interface and with additional functions making it easy for customers to pay back and chat with the representative  within the app.  

It is advisable to stick to one app so you don't get multiple debts. Some apps are available both for Android and iOS though the majority are for Android phones. 

The top 10 loan apps in Zambia to download 2025

Dive into the weekend vibes with easy loan apps, no being broke anymore.

1. Moji-online Loan App

Loan Information:
Loan amount: 1800ZMW - 28000ZMW
Loan term: 90 days (shortest, including renewal time) - 365 days (longest, including renewal time)
Maximum APR: 24%
Fees:
Service fee: Minimum 10%, Maximum 20%

Moji online cash loan is rated 3.8/5

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2. Yatu quick loans

Yatu gives from K150 to K5000. They have short and long repayment periods. 

The Yatu app can only be downloaded from their website. They have an APK, but not yet on Google Play Store and App Store. 

App reviews rate 3.9/5 

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3. FlashLoan

Flashloan has a cute and cool app. Try it and enjoy the seamless scrolling while checking your favorite amount to borrow.

Loan App Reviews: 4.0/5

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4. Iseni loans

Iseni  also called Wind money credit loan; is one of the new loan apps you can try, they have a short application process. They approve your loan within 10 minutes. Download Wind money credit loan app. 

App reviews and rate: 4.4/5

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5. PowerKwacha.

Our own currency-bearing loan app name, PowerKwacha.They are known for not troubling clients when it is time to pay back. 

Get the app and apply for a loan to buy what you want.

App reviews and rate: 4.4/5

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6. BestLoan

Is this name worth it? Yes, these guys are good they may not be the best but they know how to offer financial services to clients. They offer loans in Tanzania, Zambia, Ghana and Uganda 

App reviews and rate: 2.6/5

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7. Tandiza finance

Do you want financial help? Tandiza Finance is more willing to offer you quick cash with a low interest rate. Get Tandiza finance app below and start the process.

App reviews and rate: 3.4/5

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8. CreditLab

The company serves Zambia with loans of up to K50,000. They have a nice and great UX app you can enjoy on your Android phone.

App reviews and rate: 3.9/5

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9. Mwachangu. 

Mwachangu app is a bit strict so when applying be as specific as possible to the questions or requirements. However, it's one of the best and most popular loan apps in Zambia. You get a loan in 15 minutes.

App reviews and rate: 4.4 /5

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10. RapidMoney loan Zambia

They are also popular in Zambia with Rapid loan pro app. Apply for a loan using this app to deal with The app has been rebranded to RocketMoney. 

It has  rated 4.3/5.

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11. Mumu money safe loans

Feel the need to live better with Mumu safe loans. Borrow the amount you want and repay on time so you qualify for more bigger amount with a longer payment period.  

Its is rated 4.4/5

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12. Peony Money- credit loan.

They give collateral-free small loans. This app offers customers up to k5000 with a longer repayment period. Longer tenure gives you space to breathe and easy stress of credits. 

The app is rated 4.3/5 

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13. Lever credit-secured loan

 The new best app with great user experience .  They give up to K10,000 to be paid in 360 days.

Lever credit loan app enables customers access loan in 4 minutes.

The loan app is rated 4.3 / 5 .

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14. SoloCredit.

 SoloCredit is Zambia's new loan app that people can borrow money from the comfort of their home using smartphones. SoloCredit provide up to K5,600 to be paid in 180 days. They are rated 3.9/5.

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15. Nguzu lending App.

For the best loan app you would want to boast of getting online loan in 3 minutes, Nguzu lending should be your pick. You don't need collateral, guarantor and they offer service without hidden fees. 

Nguzu App is rated 4.8/5

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 Instant Mobile Money Loans in Zambia

1. MTN MoMo Kongola

• Overview: MTN Zambia offers instant loans via its MoMo platform. Users can access loans directly from their mobile wallets.
• How to Apply:
  • Dial *115# (or the specified code for loans).
  • Navigate to the “Loans on option 6 kongola” option and follow prompts.
• Features:
  • Small loan amounts with short repayment periods.
  • Requires an active MoMo account.

2. Airtel Money Nasova Loans

• Overview: Airtel Zambia provides short-term loans through its Airtel Money service, allowing subscribers to meet urgent financial needs.
• How to Apply:
  • Dial *115# and select “ 5, Nasova Loans” from the menu.
  • Confirm the amount and repayment terms.
• Features:
  • Loan approval is based on Airtel Money usage.
  • Funds are credited instantly to the Airtel Money wallet.

Summary

For the best experience, you need to really work around these loan apps and find your match. 

They all basically offer the same services but user interface and experience on the apps may differ. 

You need to have your NRC and answer some questions when applying for loans. 

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