Last updated on August 16th, 2025 at 09:46 pm
If you’ve been wondering where to find a quick online salary advance in Zambia without collateral, relax — you’re in the right place.
We’ve put together a list of trusted lenders in Zambia that can get you cash fast, without you wasting hours at the bank or looking for guarantors.
What’s an Online Salary Advance Loan?
An online salary advance loan is simply a short-term loan you can get before payday.
It’s based on your salary — meaning you borrow now, and when your employer pays you, you repay the loan.
The great thing is, in Zambia, many lenders now offer this service fully online. You can apply straight from your phone or laptop, without visiting a branch.
Most lenders just need:
Your payslip
Your NRC
Your mobile number
And here’s the best part — no collateral required. The money is sent directly to your mobile money account or bank account.
Whether it’s medical bills, school fees, or rent, salary advances can save you when emergencies pop up.
Best Institutions Offering Online Salary Advances (No Collateral)
We’ve reviewed the most reliable options in Zambia where you can get salary advance loans online. These can be sent straight to your mobile money or bank account — no branch visits needed.
1. Zamloan
Zamloan – Offers large salary advances for civil servants and formal workers — up to K100,000. Fully online, no collateral, repayment up to 2 years depending on your loan amount
Biumoney – For civil servants, up to K2,000 available with both short and long repayment options.
3. Zamcash – Well-known for instant approval and quick payout to formal workers and other qualified borrowers.
4. ExpressCredit – Salary advances up to K20,000. First-time approved users can get interest-free loans using code loansinzambia.com.
5. PowerKwacha – Mobile app-based. First-time borrowers can get up to K2,000; regular customers can access more.
6. Mwachangu – Similar to PowerKwacha, app-based, offering up to K5,000, with a current 4.1-star rating.
How to Apply for a Salary Advance Loan
Applying is simple:
1. Visit the lender’s official website or download their app.
2. Fill in your details — phone number, employer, NRC, and any other required info.
3. Submit your application and wait for approval. Sometimes it’s instant; other times it takes a few hours.
Tip: Make sure the details you enter match your payslip exactly. Small mismatches can delay approval.
How to Pay Back Your Loan
Repaying on time not only keeps you in good standing but also helps you qualify for bigger loans next time.
Most borrowers in Zambia repay using mobile money:
1. Dial *115# (works on both MTN and Airtel).
2. Choose payment option.
3. Enter the lender’s name or code (find it on their site or in your loan agreement).
4. Enter the repayment amount.
5. Use your NRC number (without slashes) as the reference.
6. Confirm with your PIN.
You’ll receive an SMS confirmation within seconds.
Alternatives — Bank Salary Advances
While mobile lenders are fast, some Zambian banks also offer salary advances. These often come with lower interest rates but require visiting a branch.
Examples include:
Zanaco
AB Bank
Stanbic Bank
Indo Zambia Bank
FAQs – Online Salary Advances in Zambia
1. Can I get one if I’m self-employed?
Most salary advances are for formal employees. If you’re self-employed, try mobile loan apps instead.
2. How fast will I get the money?
Some lenders, like Zamcash, can send it in under 10 minutes.
3. Do lenders check my credit history?
Some do, some don’t. But paying late will reduce your chances next time.
4. Any interest-free options?
Yes — ExpressCredit offers interest-free loans for qualified first-time users.
5. Can I repay using Airtel Money or MTN?
Yes, most lenders accept both Airtel Money and MTN Mobile Money.