Airtel Nasova Loans are short-term microloans offered through Airtel Money in Zambia. They're designed for Airtel users who need fast access to small amounts of cash without visiting a bank or filling out paperwork.

How to get Nasova loans

How does Nasova loans work?

Eligibility:

  • Must be an Airtel Money customer.
  • Must have regular Airtel Money transactions (sending/receiving money, buying bundles, etc.).
  • Loan limit is determined by your transaction history.

How to Apply:

  1. Dial *115# on your Airtel line.

  2. Select the  “5” or “Nasova” option.

  3. Follow prompts to check your eligibility and available loan amount.

  4. Choose the loan amount and repayment period (7, 14, or 21 days).

  5. Money is disbursed instantly into your Airtel Money wallet.


Facts about Nasova loans Zambia

  • Amounts  range from K200 to K500. Interests differ depending on the loan duration. 
  • Most platforms allow borrowers to go from 7, 14 and 30 days. 
  • To pay back a user dial *115# option 5 and then choose the platform you want to repay your loan. You are allowed to make partial or full payment.
  • Generally the interest rates are fair compared to other mobile loans in Zambia. 
  • Delayed payments attracts penalties 

Nasova loan platforms 

Here are the main “platforms” under Airtel Na Sova (Nasova) loans in Zambia—these are the different partners and loan products you can access via the Airtel Money USSD menu (*115#):

  1. Jumo Fixacash

  2. MFZ Loans

  3. KaFast Loan (PremierCredit partnership)

  4. ZedFine Loan (ZED-FIN partnership)

  5. Ka’Starta Loan (Emerald Finance partnership)

  6. Fikiliza Overdraft (Natsave overdraft facility)

Pros:

  • Instant loan approval and disbursement.
  • No collateral or paperwork.
  • Builds a loan history if paid on time.
  • Available 24/7 via mobile phone.

Cons:

  • Small starting amounts.
  • High penalty fees if you default.
  • Aggressive follow-ups if you delay repayment.
  • Can create a debt trap if not repaid responsibly.

 Things to note

  • Only borrow what you can repay within the set period.
  • Pay on time to increase your loan limit.
  • Track your due date to avoid late fees.
  • Use it for emergencies, not routine spending.


Kongola loans (By MTN Zambia)


Access  MTN Kongola (Xtracash)  by using the following prompts:

  1. Dial *115# on your MTN line.​

  2. Select option 6 for "Kongola and Savings.

  3. Choose "Kongola" or  "MoMo advance" ​

  4. Follow the prompts to complete your loan application.

  5. There are Kongola and Momo advance options.

Airtel Zambia's Nasova loans are helping people solving small financial problems that needs instant cash. More transactions qualifies you for more borrowing options.