Typically the loan apps in Zambia offer instant online loans ranging from K200 to up to K20,000. Though the majority of apps offer shorter repayment period in Zambia a selected number of them are flexible to offer longer tenures.
Here are some of the new loan apps in Zambia with essential considerations to help you choose wisely:
1. Mwachangu
- Loan limits: up to K 5,000
- Approval: < 3 minutes
- Best for: urgent, small loans with minimal requirements
- Get Mwachangu and apply
- Rate: 4.5/5
2. Zamloan and Biu
- Loan limits: up to K 100,000
- Approval: ~1 hour
- Best for: larger short-term needs when speed matters
- Eligible: Civil servants of Zambia
- Rating: 4.1/5
3. Lupiya
- Loan limits: up to K 250,000+
- Approval: ~48 hours
- Best for: bigger amounts, but requires more documents
- For iOS, you can download the app now.
- Rate: 3.6/5
4. PowerKwacha
- Loan limits: up to K 5,000
- Approval: < 24 hours
- Best for: first-time borrowers or balanced terms
- Download PowerKwacha
- Rating: 4.5/5
5. Zamcash
- Loan limits: ~K 5000
- Approval: ~5 minutes
- Best for: easy, repeat small loans
6. Lever Credit secure loan
- Loan limits: ~K 2000
- Approval: ~5- 10minutes
- Best for: easy, repeat small loans
- Download
7. Nguzu Lending
- Loan limits: ~K 2500
- Approval: ~5 minutes
- Best for: easy, repeat small loans
- Visit their website
8. SuperKwacha
- Loan limits: ~K 1,000+
- Approval: ~5 minutes
- Best for: easy, repeat small loans
- Download
9. Impiya
- Loan limits: ~K 20,000
- Approval: ~5 minutes
- Best for: Quick and medium sized loans.
- App reviews:
- Download
- Rating: 4.3/5
10. FlashLoan
- Loan limits: ~K 2500
- Approval: ~5 minutes
- Best for: easy, repeat small loans
- Download
- Rating: 4.3/5
11. Rocketmoney Instant loans (RapidMoney)
- Loan limits: ~K 5000
- Approval: ~5 minutes
- Best for: easy, repeat small loans
- Download
- Rating: 4.2/5
12. Peony money credit loan
- Loan limits: ~K 10,000
- Approval: ~5 minutes
- Best for: easy, repeat small loans
- Download
- Rating: 4.5/5
13. Instant Mulla loan app
- Loan limits: ~K8000
- Approval: ~5 minutes
- Best for: easy, repeat small loans
- Download
- Rating: 4.3/5
14. SoloCredit secure loan
- Loan limits: ~K 5000
- Approval: ~5 minutes
- Best for: easy, repeat small loans
- Download
- Rating: 4.2/5
How to choose loan apps?
-
Define your need
Urgency? ➞ Mwachangu or Zamcash
Big amount? ➞ Zamloan or Lupiya
Moderate? ➞ PowerKwacha -
Compare interest & fees
Burn rate on quick small loans can be brutal—read terms carefully. -
Check approval time
Some apps are instant; others take a day or two. -
Know the requirements
Most require NRC and mobile money; larger loans may need payslip or bank statement. -
Be responsible
Only borrow what you can repay. Late payment can spiral into mental distress.
