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Last updated on June 21st, 2025 at 09:55 pm
Getting quick loans in Zambia has become easier with online lenders like Zamcash. With just a few clicks, you can apply and receive a loan through your mobile phone. In this guide, we’ll show you exactly how to get a loan from Zamcash and what you need to succeed.
What Is Zamcash?
Zamcash is a fast loan service in Zambia that offers instant mobile money loans without the need for collateral. It operates entirely online, allowing users to apply for loans through their smartphones. The service is ideal for emergencies or short-term cash needs.
Who Can Apply for a Loan on Zamcash?
Zamcash loans are open to a wide range of users, but certain basic conditions must be met. To qualify, you must:
- Be at least 18 years old
- Have a valid Zambian NRC
- Own an active Airtel or MTN mobile money account
- Have a steady income or source of funds
Step-by-Step Guide: How to Get a Loan on Zamcash
Step 1: Go to the Zamcash Website
Click the Zamcash button on this blog post to visit the official Zamcash website. You’ll land on the homepage, where your loan application journey begins.
Step 2: Start the Loan Application
Click the “Next” button on the welcome screen to proceed. This will take you to the loan application page.
Step 3: Enter Your Mobile Number
Enter your mobile number—either MTN or Airtel—and click the “Next” button to continue.
Step 4: Verify Your Mobile Number
Click the “Click here for verification code” button. You will receive an SMS with a code. Enter the code to verify your number. You will then be redirected to a page that explains Zamcash’s privacy policy and the importance of entering real and correct information.
Step 5: Enter Your Personal Information
Click the “Next” button to access the personal information form. Fill in the following details:
1. NRC Number
2. Full Name
3. Gender
4. Date of Birth
5. District
6. Sector (e.g., Government, Private)
7. Monthly Income
8. Salary Day Once completed, click “Next” to proceed.
Step 6: Provide Next of Kin and Workmate Details
On the next page, provide details of your next of kin:
1. Relationship
2. Full Name
3. Contact Number Next, provide your workmate’s full name and contact number. Then click “Next.”
Step 7: Enter Alternative Mobile Number
You’ll now be asked to enter an alternative mobile number. This helps improve your chances of approval. Enter the number and verify it using the code sent via SMS. If you don’t have an alternate number, click “I don’t have alternative mobile” to continue.
continue. Step 8: Choose Loan Amount and Repayment Terms
Next, you’ll land on the loan selection page. Choose the amount you want to borrow and select the repayment period—such as 14 days or 30 days. Then click “Apply Now.”
Step 9: Review Loan Details
You will now see a summary of your loan. Review the loan amount, interest, and total repayment. If everything looks good, click the “Next” button.
Step 10: Submit Your Loan Application
Finally, read and accept the terms and conditions. Then click the “Submit” button. Your loan application will be reviewed within five minutes or slightly longer, depending on the information provided.
Common Requirements for Zamcash Loans
Before applying, make sure you meet the basic requirements:
- National Registration Card
- Active mobile money account (Airtel or MTN)
- Proof of income or employment
These details help Zamcash assess your ability to repay the loan.
How Long Does Zamcash Take to Approve a Loan?
Zamcash approvals are usually fast, depending on how complete your application is. If you submit all required documents correctly, approval may happen within minutes. However, if verification is needed, it may take a few hours or up to one working day.
Tips to Increase Your Chances of Getting Approved
Follow these tips to improve your chances of getting a Zamcash loan on your first try:
- Use your NRC
- Ensure your mobile money number is active
- Provide complete and accurate personal details
- Apply for smaller loan amounts if you’re a first-time borrower
Zamcash Repayment Process
Once you get your loan, it’s important to understand how to repay it on time. Zamcash sends repayment reminders before the due date. You can repay using mobile money, and some repayments may even be deducted automatically. Avoid delays to prevent penalties and keep a good credit score.
Pros and Cons of Using Zamcash
Pros:
- No collateral required
- Quick and simple online process
- Available anytime, anywhere in Zambia
Cons:
- No app available
- Short repayment period
Weigh these pros and cons before deciding to borrow.
Final Thoughts on Using Zamcash
Zamcash is a reliable way to access emergency loans in Zambia. By following the right steps and submitting correct documents, you can receive funds quickly. Always borrow only what you can repay and read all terms before accepting the loan.
Frequently Asked Questions (FAQs)
1: Is Zamcash safe to use in Zambia?
Yes, Zamcash is a registered financial service and uses secure systems to protect user data.
2: What is the minimum and maximum loan amount?
Loan amounts usually start from ZMW 100 and increase as you build a repayment history.
3: Can I apply again if my loan was rejected?
Yes, you can reapply after fixing the issues that led to rejection. Wait at least a few days.
4: Can I use Zamcash if I only have an MTN number?
Yes, Zamcash supports both Airtel Money and MTN Mobile Money.
5: Do I need a payslip to apply?
A payslip isn’t required, but you must have some form of regular income.
Need help applying? Visit Zamcash and start your application today.
