Last updated on September 4th, 2025 at 07:03 am
In Zambia, many people run out of cash before payday. Whether it’s for transport, Rent, food, or an emergency, waiting for month-end can be stressful. That’s where Zammoney comes in.
Zammoney is one of the new online mobile loan platforms in Zambia. Just like Zamcash, BiuMoney, and Zamloan, it allows you to borrow money quickly without visiting the bank or bringing collateral.
What is Zammoney Loan in Zambia?
Zammoney is an online institution that offers salary advances and instant mobile loans. The main aim is to help Zambians get quick cash for short-term needs. Loans can be repaid within 14 to 30 days, depending on your borrowing history.
Overview of Zammoney
Loan type: Instant salary advances
Repayment period: 14 or 30 days
Loan amount: Up to K4,000 for repeat users
Collateral: Not required
Popularity: Still new compared to Zamcash or BiuMoney
How Zammoney Works for Users
For first-time users, Zammoney offers small loan amounts that must be repaid within 14 days. If you borrow and repay on time, the system increases your loan limit. Over time, you can qualify for up to K4,000, with 30 days repayment.
Zammoney App in Zambia
At the moment, Zammoney does not have a mobile app. You won’t find it on Google Play or Apple Store. Loans are only accessible through the Zammoney website using a smartphone or computer with internet.
Zammoney Loan Requirements
To qualify for a loan on Zammoney, you need to meet these requirements:
Be between 21 to 60 years old.
Have a valid NRC.
Own an active mobile money account (MTN or Airtel).
Have access to the internet via phone or computer
How to Sign Up for Zammoney in Zambia
Signing up is simple. Here’s the step-by-step process:
1. Visit the official Zammoney website.
2. Enter your mobile number.
3. You’ll receive a verification code via SMS.
4. Enter the code to log in for the first time.
5. Complete your personal details (name, NRC, and contact info).
Zammoney Loan Application Process
How to Apply for a Loan on Zammoney
1. Log in with the SMS code.
2. Fill in your personal and financial details.
3. Click on “Get a Loan.”
4. The system will check your credit score and give you loan options.
Loan Limits and Repayment Period
First-time borrowers → Small amount, repay in 14 days.
Frequent borrowers → Up to K4,000, repay in 30 days.
Interest Rates and Fees
Zammoney does not list fixed interest rates on their website. However, an example we found was:
Borrow K300 → Repay around K350 in 14 days.
Zammoney Login & Account Management
Unlike other loan apps that use passwords, Zammoney uses SMS codes for login. Each time you want to sign in, you enter your phone number and receive a code.
From your account, you can:
Check loan history
Apply for new loans
Update personal details
Benefits of Using Zammoney Loans in Zambia
Quick approval: Borrow money in less than 5 minutes.
No collateral: Only NRC and mobile money required.
Convenience: Entire process is online, no queues.
Flexibility: Higher loan amounts for repeat users.
Zammoney Loan Challenges & Things to Know
Zammoney Loan Challenges & Things to Know
Like many new platforms, Zammoney comes with challenges:
Loan delays: Some users report late disbursement.
Login delays: SMS codes sometimes arrive late.
Limited popularity: Not as established as Zamcash or BiuMoney.
Alternatives to Zammoney Loans in Zambia
If Zammoney doesn’t meet your needs, here are some alternatives:
1. Zamcash – The most popular mobile loan provider in Zambia.
Apply for Zamcash Loan
2. BiuMoney – Great for salary advances.
Apply for BiuMoney Loan
3. Zamloan – Offers higher amounts than Zammoney.
Apply for Zamloan Loan
Final Thoughts
Zammoney is a good option if you need quick cash in Zambia. It offers instant loans without collateral and is fully online. Although it’s not as popular as Zamcash or BiuMoney, it gives borrowers another choice for small emergency loans.
Always borrow responsibly and compare different loan providers before making a decision.
Frequently Asked Questions (FAQs)
1. Does Zammoney have a mobile app?
No. Zammoney only works through its website.
2. What is the maximum loan amount on Zammoney?
Up to K4,000 for repeat borrowers.
3. How long does it take to receive a loan?
Usually within minutes, though sometimes there are delays.
4. What are the requirements for Zammoney loans?
You need to be 21–60 years old, have an NRC, an MTN or Airtel mobile money account, and internet access.
5. Is Zammoney better than Zamcash?
Zamcash is more popular and established, but Zammoney is a decent alternative for small, short-term loans