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
.webp "moji loan app download")
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%
2. Yatu quick loans
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
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
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
6. BestLoan
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
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
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
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.
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
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
13. Lever credit-secured loan
14. SoloCredit.
15. Nguzu lending App.
Instant Mobile 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.
3. Zamloan
- They offer loans to civil servants from K500 to K50,000.
- Loan approval is instant within 5minutes.
- The dismemberment is done to your Airtel or MTN mobile money.
- Repayment in two options 6 months, 1 year upto 24 months.
- Apply now
4. BIU money
- The mother business to Zamloan that also offer loans to civil servants.
- Loan amount from K500 to upto K5000 depending on how god the borrower repays.
- Repayments from 14 days to 30 days.
- Apply now
Best mobile banking apps in Zambia
Here are some of the top mobile banking apps available in Zambia for android and iOS:
SC Mobile Zambia
Offered by Standard Chartered Bank, this app allows you to open new accounts, transfer funds, and manage your finances conveniently from your mobile device.
Absa Zambia
Provided by Absa Bank Zambia PLC, this app enables you to view account balances, transfer money, pay bills, and purchase airtime securely and efficiently.
IZB Retail Banking
The Indo-Zambia Bank app allows you to perform various banking tasks, including fund transfers and balance inquiries, directly from your mobile device.
Stanbic Bank Zambia
Stanbic Bank's mobile banking app offers 24/7 access to your accounts, enabling you to perform transactions, pay bills, and manage your finances on the go.
UBA Zambia
United Bank for Africa's mobile banking service provides unrestricted and secure access to your account, allowing you to bank anytime, anywhere from your mobile device.
Atlas Mara Zambia
Atlas Mara's mobile banking app offers 24/7 banking services, enabling you to manage your accounts, transfer funds, and perform other banking tasks conveniently.
Access Bank Zambia
Access Bank's digital solutions include the Tenga Mobile Wallet Account, providing a low-cost platform for managing your finances and promoting financial inclusion.
These apps are designed to provide convenient and secure banking experiences, allowing you to manage your finances efficiently from your mobile device.
Mobile Banking Security Tips
Mobile banking has become a convenient way to manage finances, but it also requires vigilance to keep your personal and financial information safe. Here are some essential security tips:
1. Use Strong Passwords
- Create unique passwords for your mobile banking app.
- Avoid using easily guessable information like birthdays or common words.
- Incorporate a mix of uppercase and lowercase letters, numbers, and symbols.
2. Enable Two-Factor Authentication (2FA)
- Use 2FA for an extra layer of security. This may involve a text message, email, or app-generated code in addition to your password.
3. Keep Your Device Updated
- Regularly update your smartphone's operating system and apps, including your banking app.
- Updates often include security patches that protect against vulnerabilities.
4. Use Secure Wi-Fi Networks
- Avoid using public Wi-Fi for mobile banking transactions.
- If necessary, use a VPN (Virtual Private Network) to encrypt your connection.
5. Download Apps from Trusted Sources
- Only download banking apps from official app stores (e.g., Google Play Store, Apple App Store).
- Check reviews and ratings to ensure the app is legitimate.
6. Log Out After Use
- Log out of your banking app when you're done.
- This prevents unauthorized access if your phone is lost or stolen.
7. Monitor Account Activity
- Regularly check your bank account for unauthorized transactions.
- Set up account alerts to receive notifications for any unusual activity.
8. Be Cautious with Links
- Avoid clicking on links in unsolicited emails or text messages claiming to be from your bank.
- Always access your bank's website or app directly.
9. Lock Your Phone
- Use a PIN, pattern, or biometric authentication (fingerprint/face recognition) to lock your phone.
- Enable auto-lock for added security.
10. Notify Your Bank of Suspicious Activity
- Report any unauthorized transactions or suspicious activity immediately.
- Banks have fraud protection policies that can help mitigate losses.
11. Avoid Saving Login Details
- Refrain from saving usernames or passwords on your device or browser.
- Use a secure password manager to store credentials if needed.
12. Disable Bluetooth and NFC When Not in Use
- Turn off Bluetooth and NFC (Near Field Communication) when you're not using them to reduce the risk of unauthorized data access.
13. Install Mobile Security Software
- Use trusted antivirus or mobile security apps to protect against malware and phishing attacks.
- Regularly scan your phone for threats.
14. Beware of Social Engineering Scams
- Be skeptical of phone calls, emails, or texts asking for sensitive banking information.
- Banks will never ask for your password or PIN over the phone or email.
15. Back Up Your Data
- Regularly back up your data to a secure location (e.g., cloud or external storage).
- This ensures you can recover your information if your phone is compromised.
By following these tips, you can significantly reduce the risk of security breaches and enjoy the convenience of mobile banking with peace of mind.
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.
