Zamcash Loans Zambia

Zamcash Loans Zambia

Apply for your Zamcash Loans Zambia 2023 as a Zambian citizen aged 21-60, with your own mobile money account (MTN/Airtel), and with a Zambian NRC (National Registration Card). Also, learn how to repay your loan using WebPay or Using Airtel, or MTN Mobile Money.

Zamcash Loans Zambia

Zamcash is a leading online lending platform in Zambia, offering instant short-term loans to help with unexpected expenses or urgent cash needs.

They provide a quick application process that allows you to apply for a loan 24/7 and get cash within minutes.

Zamcash loans are provided by Biu Capital Ltd, a company licensed and regulated by the Bank of Zambia.

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Steps to Get Zamcash Loans 2023 Online

To get a loan online; please follow the procedure below

  1. Visit the Zamcash website via www.zamcash
  2. Click on Next
  3. Enter your registered mobile money number (MTN or Artel) and click on Next
  4. Then click on Click here for verification code button
  5. A verification code will be sent to your mobile money number
  6. Enter the code in the provided space and click Next
  7. Please fill out the personal information form with your details
  8. Enter your Salary day and click Next
  9. Enter your Next of Kin and a Workmate’s Information click Next
  10. Your loan will be paid into your account within 10 minutes

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How to Repay Your Loan

To repay your Zamcash Loans in Zambia, you have two options: through Zamcash Web Payment or using Airtel or MTN Mobile Money. Here are the steps for each method

Directly through Zamcash Web Payment

  1. Visit www.zamcash, and log in to your personal account
  2. Enter your mobile number
  3. Request a verification code
  4. Click on Make Loan Payment
  5. Choose the repayment method, then click WebPay
  6. Enter the repayment amount
  7. Provide your personal mobile PIN number
  8. View the repayment result

Using Airtel or MTN Mobile Money

For Airtel Mobile Money

  1. Dial *115#
  2. Select option 4, Make Payment
  3. Choose option 6, Goods & Services
  4. Enter the number 1 for the merchant code
  5. Type zam as the business name
  6. Input the repayment amount
  7. In the reference field, enter your NRC without slashes
  8. Enter your own PIN

For MTN Mobile Money

  1. Dial *115#
  2. Select option 3, Pay Bill
  3. Choose option 6, Retail Payment
  4. Enter zam as the merchant code
  5. Input the repayment amount
  6. In the reference field, enter your NRC without slashes
  7. Enter your mobile money PIN (your own PIN)


  • Airtel charges K2.5, and MTN charges K3.5 for this transaction, so ensure you have extra money in your mobile money account
  • You can also make the payment using another mobile money account that is not in your name; just add your NRC as a reference
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