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Looking for a Kongola loan using MTN or Airtel? You’re in the right place.
In this post, I’ll show you step-by-step how to get a Kongola loan using your MTN mobile line—including the key requirements and smart tips to increase your approval chances and loan amount.
If you’re an Airtel Money user, don’t worry—I’ve also included a direct link in this post to guide you on how to get Nasova Loans via Airtel.
What Is MTN Kongola Loan?
MTN Kongola loan is a service where MTN partners with banks and financial institutions to offer instant mobile money loans to MTN MoMo users. These loans are fast, paperless, and sent directly to your mobile wallet.
Some of the popular MTN Kongola loan partners include:
- Access Bank – Offers ExtraCash Loans
- Zanaco Bank – Offers Express Loans
- Zed Fin – Offers Zed Fin Mobile Loans
- Ka-Starta – A quick loan option for small business needs
- Kasaka Loans – A flexible loan for various uses
These loan options are designed to help you meet urgent financial needs, whether personal or business-related.
How to Apply for MTN Kongola Loan (Step-by-Step Guide)
You can apply for a Kongola loan on MTN using the *115# USSD code or the MTN MoMo app. Follow these simple steps:
Using the USSD Code (*115#):
- Dial *115# on your MTN line.
- Select Option 6: “Kongola and Saving”.
- Choose Option 2: “Kongola”.
- You’ll see a list of available loan providers, such as:
- Kasaka Loans
- ExtraCash Loans (by Access Bank)
- Express Loans (by Zanaco)
- Ka-Starta
- Zed Fin Loans
- Pick the provider you want (usually Option 1 to register or request a loan).
- Select the loan amount offered based on your eligibility.
- Accept the terms and conditions.
- Once approved, the loan will be sent instantly to your MTN MoMo account.
How to Apply for MTN Kongola Loan Using the MoMo App
You can also apply for a Kongola loan using the MTN MoMo app. Follow these steps:
Using the MTN MoMo App:
- Open Google Play Store and search for “MTN MoMo”.
- Tap the installation button and wait for the app to install.
- Open the app and enter your MTN mobile number.
- A one-time code (OTP) will be sent to your phone—enter it to continue.
- Enter your MoMo PIN to log in.
- On the home screen, navigate to the Kongola Loan section.
- Choose the loan service you want (e.g. ExtraCash, Ka-Starta, Express Loans).
- Select the loan amount you’re eligible for.
- Accept the terms and conditions.
- Once approved, the loan will be deposited instantly into your MTN mobile money account.
MTN Kongola Loan Requirements
To qualify for an MTN Kongola loan, you must meet the following basic terms and condition requirements:
- Active MTN SIM that is at least 6 months old
- You must be 18 years or older
- Your MTN Mobile Money (MoMo) account must be active and in regular use
Meeting these requirements improves your chances of being approved and getting a higher loan amount.
MTN Kongola Loan Contact Number
If you face any difficulties while applying for a Kongola loan on MTN, or if you have questions about your loan, you can easily reach MTN customer support.
Dial 215 – For direct assistance with loans (Free for MTN users)
Dial 111 – For general MTN enquiries
Follow the voice prompts to speak with a customer care agent
Support is available in multiple local languages to help you faster.
How to Repay MTN Kongola Loans
Repaying your MTN Kongola loan on time helps build trust with the loan provider and increases your chances of getting a bigger loan in the future.
In most cases, the loan amount is automatically deducted from your Mobile Money wallet once the due date arrives. However, you can also repay manually using the steps below:
Steps to Repay MTN Kongola Loan:
- Dial *115# on your MTN phone
- Select Option 6: “Kongola and Saving”
- Select Option 2: “Kongola”
- Choose the institution you borrowed from (e.g. ExtraCash, Ka-Starta, Zed Fin)
- Select “Repay Loan” and follow the prompts
Pro Tips to Increase Your Loan Approval and Limit
Want to qualify for higher MTN Kongola loan amounts? Follow these smart tips:
- Use your Mobile Money account regularly
Frequent transactions improve your mobile credit score.
- Repay your loans before the due date
Early repayment builds trust and helps you qualify for bigger loans in the future.
- Borrow small amounts and repay fully
This helps you grow your loan limit gradually
Alternatives to MTN Kongola Loan
If you don’t qualify for an MTN Loan or want to compare other fast loan options, here are three reliable online loan apps in Zambia:
Zamloan – Instant Loans via SMS or Online
Get quick loans using your mobile phone
No collateral required
Works with both MTN and Airtel
Zamcash – 30-Day Loans with Easy Repayment
Fast approval for first-time and repeat borrowers
Apply online in under 5 minutes
Ideal for emergencies and monthly top-ups
BiuMoney – Smart Loans on Your Phone
Instant decision and direct disbursement to your number
Friendly to self-employed, informal workers, and students
Repay via MoMo or Airtel Money
Final Thoughts on Getting a Kongola Loan with MTN
Getting a Kongola loan on MTN is fast, easy, and convenient—especially if you follow the right steps and meet the basic requirements. Whether you use the USSD code *115# or the MTN MoMo app, you can access quick loans from trusted partners like ExtraCash, Express Loans by Zanaco, Zed Fin, and others.
To increase your chances of approval, keep your Mobile Money account active, repay on time, and start with smaller amounts. Responsible borrowing helps you build credit and unlock larger loans in the future.
If you’re an Airtel user, check out our Nasova loan guide linked in this post.
Frequently Asked Questions (FAQs)
What is MTN Kongola Loan?
MTN Loan is a mobile money loan service offered through MTN in partnership with banks like Access Bank, Zanaco, and other financial providers.
Who qualifies for an MTN Kongola Loan?
You must be at least 18 years old, use an MTN SIM that’s 6+ months old, and have an active Mobile Money account.
How do I apply for a Kongola loan?
Dial *115#, go to “Kongola and Saving,” choose “Kongola,” select a loan provider, and follow the steps. You can also use the MTN MoMo app.
Can I repay the loan early?
Yes! Early repayment is encouraged—it builds trust and may increase your future loan limit.
What happens if I don’t repay on time?
The loan amount will be automatically deducted from your Mobile Money wallet. Delays may affect your credit score and borrowing chances.
Is there a customer service number?
Yes. Call 215 for loan help or 111 for general MTN support—free for MTN users.
