Skip to content 
Zamcash Loans for 30 Days: Step-by-Step Guide to Apply and Get Approved in Zambia
Zamcash is a mobile lending service that allows you to borrow money using your phone. You can apply for a loan with a 30-day Zamcash repayment option. This helps when you need money but expect to repay in a month.
Zamcash Loan Requirements
You must meet some basic conditions to qualify:
- Have an MTN or Airtel number
- Be a Zambian citizen
- Be 18 years or older
- Have a regular income
- Own a valid NRC
Step-by-Step Guide: How to Get a Loan on Zamcash
Follow this guide to apply for a loan and select 30 days as your repayment option.
Step 1: Visit the Zamcash Website
Click the Zamcash button on this blog post. It will take you to the homepage where the loan process begins.
Step 2: Start the Loan Application
Click the “Next” button on the welcome screen to move forward
Step 3: Enter Your Mobile Number
Type your MTN or Airtel number. Then click “Next” to continue.
Step 4: Verify Your Mobile Number
Click “Click here for verification code.” You will receive an SMS. Enter the code you receive
Step 5: Provide Personal Information
Enter the following details:
- NRC number
- Full name
- Gender
- Date of birth
- District
- Sector (e.g., private, government)
- Monthly income
- Salary day
Then click “Next.”
Step 6: Add Next of Kin and Workmate Details Input:
Next of kin’s relationship, name, and contact
Workmate’s name and contact number
Click “Next.
Step 7: Enter Alternative Mobile Number
Provide another phone number to boost your chances. Verify it via SMS. If unavailable, click “I don’t have alternative mobile.”
Step 8: Choose Loan Amount and Repayment Terms
Select the amount you want and pick “30 days” as the repayment term. Click “Apply Now.”
Step 9: Review Loan Details
Check the loan amount, interest rate, and total repayment. Click “Next” if you agree.
Step 10: Submit the Loan Application
Accept the terms and click “Submit.” The system will process your request in about 5 minutes
Loan Limits for 30-Day Loans
The loan amount you qualify for depends on your income. For first-time users, it may be smaller. You can borrow more with each successful repayment.
Income Range Loan Amount Repayment Term
K1,000–K3,000 K300–K500 30 Days
K3,001–K5,000 K600–K800 30 Days
Above K5,000 Up to K1,500 30 Days
Tips to Improve Your Approval Chances
To increase approval chances:
- Use correct personal data
- Add next of kin and workmate details
- Verify both phone numbers
- Choose a loan amount you can repay
- Apply during business hours
How to Repay a 30-Day Zamcash Loan
You must repay in 30 days. You can pay using:
Zamcash sends reminders before your due date. Late payment may attract extra charges.
Is a 30-Day Zamcash Loan Right for You?
Choose a 30-day loan if:
- You expect income within a month
- You need money urgently
- You are confident you can repay in full on time
Avoid this loan if you are unsure about repayment within 30 days.
Quick Summary
Zamcash loans for 30 days are useful for short-term needs. The process is easy and takes just minutes. Make sure your details are correct, and always choose a loan you can repay. This increases your limit for future loans.
Frequently Asked Questions (FAQ)
1: Can I extend my 30-day loan?
No. You must repay within 30 days. Contact support if you face issues.
2: How do I pay back the loan?
Use Airtel or MTN mobile money. Instructions will be sent by SMS.
3: What if I miss the repayment date?
You may face penalties. Try to pay on or before the due date.
4: How much interest is charged on 30-day loans?
The interest depends on the loan amount. You will see the full breakdown before you submit.
5: Can I apply for another loan after repaying?
Yes. Once your loan is cleared, you can apply again and may qualify for a higher amount.
