Top 20 Loan Apps In Zambia

Newly approved loan apps in Zambia without collateral. We took time to review different loan apps for the Zambian using financial expert elements. The loan apps will consist of loan amount maximum and minimum, repayment period app rating and download links.

Here are top 20 loan apps in Zambia with expert reviews:
1. Zedloan app
2. Monifi loan
3. Impiya loan
4. Moji loan app
5. Yatu loan app
6. Flashloan
7. Iseni Loan
8. PowerKwacha
9. Bestloan app
10. Tandiza loan app
11. CreditLab
12. Mwachangu
13. Rocket money
14. Mumu loan app
15. Peony loan app
16. Lever credit
17. Instant mulla
18. Nguzu lending app

19. SoloCredit

Top 20 Loan apps in details

Loan apps	Loan details : Amount, Repayment period and Rating
Zedloan app	Amount : K1000-K10,000 Rating: 4.3/5 Period: 20 - 300 days Download now
Monifi loan	Amount : K 2000- K20,000 Rating: 4.5/5 Period: 91-365 days Download now
Impiya loan	Amount : K20,000 Rating: 2.5/5 Period: 14- 30 days Download now
Moji loan app	Amount : K100 - K30000 Rating: 3.8/5 Period: 90 - 365 days Download now
Yatu loan app	Amount : K150-K5000 Rating: 3.9/5 Period: 14 - 30 days Download now
Flashloan	Amount : K100 - K20,000 Rating: 4.0/5 Period: up-to 365 days Download now
Iseni Loan	Amount : K250 - K5000 Rating: 4.4/5 Period: up to 30 days Download now
PowerKwacha	Amount : K250 - K5000 Rating: 4.4/5 Period: upto 30 days Download now
Bestloan app	Amount :1000-10,000 Rating: 2.6/5 Period: 14 - 30 days Download now
Tandiza app	Amount : K500 - K5000 Rating: 3.4/5 Period: 14 - 30 days Download now
CreditLab	Amount : K1000 - K50,000 Rating: 3.9/5 Period: 14 - 30 365 days Download now
Mwachangu	Amount : K500 - K20,000 Rating: 4.4/5 Period: 14 - 30 days Download now
Rocket Money	Amount : K250 - K10,000 Rating: 4.3/5 Period: up to 365 days Download now
Mumu loan app	Amount : K500 - K5000 Rating: 4.4/5 Period: 14 - 30 days Download now
Peony loan app	Amount : K200 - K5000 Rating: 4.3/5 Period: up to 91 days Download now
Lever credit	Amount : K250 - K5000 Rating: 4.3/5 Period: 14 - 30 days Download now
Instant mulla	Amount : K500 - K5000 Rating: 4.4/5 Period: 14 - 30 days Download now
Nguzu lending app	Amount : K150 - K20,000 Rating: 4.8 Period: Download now
SoloCredit loan	Amount : K250 - K5600 Rating: 3.9/5 Period: Download now
ZamChat loans (Zamcash, Biu and Zamloan)	Amount : K150 – K100,000 Rating: 4.0/5 Period: 1d days – 24 months Download now

How to choose loan apps in Zambia?

Choosing a loan app isn’t just about finding one that approves you fast—it’s about finding one that won’t wreck your finances or data. Here’s a clear, no-fluff checklist to help you pick a solid loan app:

✅ 1. Check if it’s registered and licensed

Look for apps regulated by your country’s financial authority (e.g. Bank of Zambia).
If the app isn’t transparent about who owns it or where it's registered, that’s a red flag.

✅ 2. Read the interest rate and repayment terms

Some apps give quick loans but charge insane interest or short repayment periods.
Compare APR (Annual Percentage Rate), late fees, and rollover penalties.

✅ 3. Look at user reviews—real ones

Go beyond star ratings. Read both the good and the bad.
Watch for complaints about hidden fees, aggressive collection tactics, or fake promises.

✅ 4. Understand the loan limits

Some apps offer small amounts (e.g., K100–K2,000). Others might allow higher limits if you repay well.
Know what you need and if the app fits.

✅ 5. Data privacy and permissions

If the app wants access to your contacts, SMS, or camera and it doesn’t make sense—walk away.
A legit loan app should protect your data, not harvest it.

✅ 6. Customer support

Does the app have a working helpline or email?
If you can't reach anyone when something goes wrong, that’s a problem.

✅ 7. Transparency

Are fees and terms clearly displayed before you accept the loan?
If anything feels vague, don’t risk it.

✅ 8. Repayment options

Does the app allow mobile money payments (e.g., MTN MoMo, Airtel Money)?
Flexible payment methods make repayment easier

Related: Instant loans in Zambia