If you’re wondering how you can get an online loan in Zambia without collateral,then this article is for you.
Today,I will explore the best and top 12 online loans options in Zambia for anyone who doesn’t have collateral this year.
What Are Online Loans In Zambia
But before going far, let’s first learn what online loans mean. These are loan facilities which allows a customer to submit an application via the internet or USSD Code and receive funds without visiting any lenders physical locations.
In many cases,these loans are accessible via mobile smartphones hence they’re popularly known as mobile loans in Zambia.
There are three categories of online loan lenders in Zambia; Loan Apps, web online loans and Telecommunications Service Providers loans (SIM card loans).
Instant Online Loans in Zambia Pros
- Fast access to loans
- No paperwork
- No collateral
- 100% online
- Disbursement is via mobile money
Instant Online Loans in Zambia Cons
- Hight interest rates
- Short repayment duration
- Can lead to loan dependence
Let’s now have a look at these online loans without collateral in Zambia 2025.
1.ZamCash Loans Zambia
The most popular 30 days online web loan in Zambia of 2025.
Zamcash gives up to ZMW 10,000 as loan to a qualified borrower.
The requirements are simple. You’ll need a Zambian ID and a phone number to be eligible.
To apply,go to Zamcash loan website (zamcash.com), create your account and apply.
2.Biumoney
This is another web loan provider in Zambia which everyone is talking about.
Biumoney can give loan up to ZMW 20,000 instantly to be paid back in 30 days.
To apply for Biumoney loans, go to biumoney.com .
You’ll be able to get the money into your mobile money account.
3.Flashloan
I can’t talk about mobile loans in Zambia and forget to mention Flashloan.
This online loans lender can give up to ZMW 20,000 to a borrower.
All you need is a Zambian ID and a phone number.
To apply, you will go to Flashloan website (flashloan. com), create your account and apply.
4.Unifi
A popular online loan in many African countries,Unifi has presence in Zambia.
Unifi provide loans up to ZMW 15,000 with a repayment duration of 7 months.
The requirements? You should be a salaried individual with a Zambian ID and a phone number.
To apply for Unifi loans in Zambia visit their website (Unifi credit/zm)
5.Zamloan
You can get up to ZMW 10,000 from Zamloan and pay back in 30 days.
To be eligible you’ll must be a citizen of Zambia with an ID and a phone number.
To apply for Zamloan,go to Zamloan. com
6.PremierCredit
Premiercredit provides a wide range of loans including salary advances, personal loans, invoice discounting SME loans and much more.
To be eligible, the lender requires that you be a salaried individual,have a Zambian ID and a phone number.
To apply go to premiercredit.co.zm
7.Fairmoney
The mobile money lender is a popular loan app now in Zambia.
Fairmoney give short term loans repayable within 30 days.
The loan limits depends on the customers profile.
To apply,go to Google play store,search for Fairmoney and download the app.
8.Nguzu Lending
Another popular loan app in Zambia.
With nguzu lending, customer can get instant access to online loans and pay back in 30 days.
To apply, go to Google play store,look for Nguzu lending and download the app.
9.Mwachangu
The loan app is most popular with borrowers looking for small loans.
Mwachangu loan app provides up to ZMW 2000 instantly to be paid back in 30 days.
To apply download Mwachangu loan app from Google play store.
10.PowerKwacha
With PowerKwacha loan app, a customer can get up to ZMW 5000 instantly.
PowerKwacha is known for it’s fast loan disbursement.
You can download PowerKwacha loan app from Google play store.
11.MTN Kongola
Kongola is a short term loans service provided by MTN to subscribers.
The loan is available via SIMcard
A customer can get up to ZMW 1000
12.Airtel Na Sova Loans
This Telcom loan service is provided by Airtel.
A customer can get up to ZMW 2000.