In recent years, Mozambique has seen rapid growth in digital financial services, especially online and mobile lending platforms. By 2026, accessing credit no longer means long queues at banks or complicated paperwork. Instead, Mozambicans can now apply for loans directly from their smartphones and receive funds instantly through mobile money services such as M-Pesa, e-Mola, and m-Kesh.
This shift has played a major role in financial inclusion, empowering salaried workers, informal traders, and small business owners with fast and flexible credit solutions.
In this article, we review the best loan apps in Mozambique in 2026, comparing their features, benefits, interest rates, and eligibility requirements.
General Requirements for Loan Apps in Mozambique
While each lender has its own internal scoring system, most digital loan apps in Mozambique require the following:
- A valid Mozambican ID (BI)
- An active mobile phone number
- A registered mobile wallet (M-Pesa, e-Mola, or m-Kesh)
- Minimum age of 18 years
Some platforms may also assess transaction history, income patterns, and mobile usage behavior.
1. MzCash
MzCash is one of the most established and trusted digital lending platforms in Mozambique. It is especially popular among salaried employees and SME owners who need higher loan amounts with a fully digital process.
Key Features
- Loan Limits: 1,000 MT – 100,000 MT
- Interest Rates & Fees:
- APR: 15% – 30%
- Commission Fee: 3% – 8% (VAT included)
- Repayment Method: Automatic deduction or manual mobile wallet payment
- How to Apply: Download the MzCash app from Google Play, register with your mobile number, and complete your profile
- Customer Support: service@mzcash.live
Best for: Users seeking high loan limits and a mature lending platform.
2. Credit Mola
Credit Mola, operated by MAXPAS, is one of the highest-rated loan apps in 2026 thanks to its ultra-fast approval process and minimal documentation.
Key Features
- Loan Limits: 1,000 MT – 50,000 MT
- Interest Rates & Fees: APR: 30% – 95% (variable based on credit score)
- Repayment Method: Mobile money via M-Pesa or e-Mola
- How to Apply: Install Credit Mola, verify your number using OTP, and upload your ID photo
- Customer Support: maxpas@maxpas-info.online
Best for: Borrowers who need emergency cash with instant approval.
3. FlexiMola
Operated by Vista Finance, FlexiMola is known for its longer repayment periods and a progressive loan system that rewards good repayment behavior.
Key Features
- Loan Limits: 3,000 MT – 20,000 MT (increases with good repayment history)
- Interest Rates & Fees: APR: 14% – 32%
- Loan Terms: 91 to 300 days
- Repayment Method: Mobile wallet transfer or direct bank deposit
- How to Apply: Download FlexiMola, submit income/employment details, and wait up to 24 hours for review
- Customer Support:
- +258 83 492 0505
- FlexiMolamsbkservice@outlook.com
Best for: Borrowers who want lower pressure repayments over longer periods.
4. MolaFácil
MolaFácil is a fast-growing lender popular for its instant approval system and short-term emergency loans.
Key Features
- Loan Limits: 1,000 MT – 50,000 MT
- Interest Rates & Fees:
- APR: 13% – 65%
- Commission Fee: 2% – 6%
- Repayment Method: M-Pesa or e-Mola
- How to Apply: Download the MolaFácil app, complete your profile, and receive funds instantly
- Customer Support:
- service@molafacil.co
- +258 85 866 9660
Best for: Short-term emergency loans with instant payout.
5. e-Mola (by Movitel)
e-Mola, operated by Movitel, integrates lending directly into its mobile money ecosystem. Through partnerships with institutions like Microbanco Confiança, it offers the “Xiquitinho” micro-loan service.
Key Features
- Loan Limits: Based on wallet usage and transaction history
- Interest Rates: Competitive, bank-regulated rates
- Repayment Method: Automatic deduction from e-Mola wallet
- How to Apply: Dial
*898#or use the e-Mola app and select Credit - Customer Support: Dial 100 (Movitel Helpline)
Best for: Users without smartphones who prefer USSD-based loans.
6. Access Bank Mozambique – Nano Loans
For borrowers who prefer regulated commercial banking, Access Bank Mozambique offers Nano Loans through its digital banking channels.
Key Features
- Loan Limits:
- Nano Loans: from 1,000 MT
- Consumer Loans: up to 2,000,000 MT
- Interest Rates: Prime Rate + Spread (typically 20% – 25%)
- Repayment Method: Monthly installments via direct debit
- How to Apply: Through the Access Bank Mozambique app (active bank account required)
- Customer Support: +258 21 350 035
Best for: Borrowers who value bank-level security and regulation.
7.Pronto Kash Loan App
Pronto Kash is a new digital loan app available in Mozambique that offer quick loans from 3000MZN to 20,000 MZN at low interest rates as low as 1.5% (14% to 24% APR per year) with longer repayment period from 100 to 300 days.
To apply download the app from Google playstore register using your phone number and National ID number and apply. The loan will be deposited directly into your mobile wallet account e mola ,mkesh or M-pesa.
For customer support: +258 866902962 / prontocashmsbkservice@outkook.com
Comparison Summary Table
| App Name | Max Limit | Interest (APR) | Primary Benefit |
|---|---|---|---|
| MzCash | 100,000 MT | 15% – 30% | Highest loan limits |
| Credit Mola | 50,000 MT | 30% – 95% | Fastest approval |
| FlexiMola | 20,000 MT | 14% – 32% | Longer repayment terms |
| MolaFácil | 50,000 MT | 13% – 65% | Instant disbursement |
| e-Mola | Micro-loans | Varies | USSD access (no smartphone) |
| Access Bank | 25,000 MT+ | Prime + Spread | Regulated banking security |
⚠️ Important Warning for Borrowers
Most digital lenders in Mozambique use alternative credit scoring, which may request access to:
- Contacts
- SMS data
- Location information
Always read the privacy policy carefully before accepting a loan. Borrowing from multiple apps at the same time can quickly lead to a debt trap due to high cumulative interest rates.
Final Thoughts
By 2026, online lending has become a powerful tool for financial inclusion in Mozambique. Whether you need the speed of Credit Mola, the high limits of MzCash, or the security of Access Bank, there is a solution for nearly every borrower.
The key is responsible borrowing: only take what you can repay and always understand the full cost of the loan before applying.