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Last updated on June 21st, 2025 at 09:57 pm
How to Pay Back Zamcash Loans in Zambia: Step-by-Step Guide
Zamcash offers fast and convenient mobile loans in Zambia, but knowing how to pay back Zamcash correctly is just as important as borrowing. Whether you’re using MTN or Airtel, this guide explains how to repay Zamcash loans easily and on time.
Understanding Zamcash Loans Payment
Zamcash loans payment involves settling the borrowed amount using mobile money. You can pay through Airtel or MTN by following specific USSD codes. Each network has different steps and charges, so it’s important to follow the right method.
Why Timely Repayment Is Important
Paying your Zamcash loan on time helps you avoid penalties and improves your chances of getting a higher loan in the future. Missed or delayed payments may lead to account suspension or blacklisting.
How to Pay Zamcash Using Airtel
If you’re using Airtel Money, follow the steps below to complete your loan repayment.
Step-by-Step Guide (Airtel)
1. Dial *115# on your Airtel line
2. Select option 4: Make Payment.
3. Choose option 6: Goods & Services.
4. Enter 1 for the merchant code.
Type ZAM as the business name.
Enter your Reference Number, which is your NRC number without slashes
Enter the repayment amount
8. Enter your Airtel Money PIN.
Airtel charges K0.0, so ensure you have enough in your account.
You can also pay from another Airtel account not registered in your name. Just enter your NRC in the reference so they know it’s from you.
How to Pay Zamcash Using MTN
MTN MOMO users can repay Zamcash loans quickly by following the steps below.
Step-by-Step Guide (MTN)
1. Dial *115# on your MTN line.
2. Select option 3: Pay Bill.
3. Choose option 8: Retail Payment
. Enter ZAM as the merchant code
5. Enter your repayment amount.
Use your NRC number without slashes as the reference.
7. Enter your MTN Mobile Money PIN.
MTN also charges K3.5, so keep extra balance in your mobile wallet.
Alternative Mobile Money Accounts
You don’t have to repay using your own mobile money account. If you’re borrowing from someone else’s number, just make sure to:
Enter your NRC in the reference field.
Ensure the account has enough funds to cover both the loan and transaction fee.
This helps Zamcash identify the payment as yours even if it comes from another number.
Final Thoughts on Repaying Zamcash Loans
Paying back your Zamcash loan is simple once you follow the correct steps for Airtel or MTN. Always use your NRC as reference and keep enough balance to cover transaction fees. This keeps your loan record clean and increases your chances of future approval.
Frequently Asked Questions
1. Can I repay Zamcash using another person’s mobile money account?
Yes. Just enter your NRC number in the reference field to show the payment is from you.
2. How much is the transaction fee?
Both Airtel and MTN charge K0.0 per transaction.
3. What if I enter the wrong NRC number?
This may cause delays in processing your payment. Always double-check before confirming.
4. How do I know my payment was successful?
You will receive a confirmation SMS from your mobile money provider and Zamcash.
5. Can I pay using Zamtel?
Currently, Zamcash supports only Airtel and MTN for repayments.
