Here are the top 10 instant mobile money loan apps and platforms in Zambia based on availability, user feedback, and mobile disbursement speed:

Top 10 Instant Mobile Money Loans in Zambia


instant mobile money loans in Zambia

  1. SuperKwacha

    • ✅ Instant cash to mobile money (MTN/Airtel).

    • ✅ No collateral, no contact access.

    • 📱 Google Play Store

  2. PowerKwacha

    • ✅ Fast loan approval—within 10 minutes.

    • ✅ Simple app interface, direct disbursement to mobile wallets.

    • 📱 Google Play Store

  3. Biumoney

  4. Zamcash

    • ✅ Loans up to K2,000.

    • ✅ Disbursement in under 5 minutes to mobile money.

    • 📱 Google Play Store 

  5. FairMoney

    • ✅ Well-established neobank in Africa.

    • ✅ Fast disbursement via mobile money.

    • 📱 Google Play Store

  6. MTN Kongola and Airtel Nasova Loans

    • ✅ Offered via MTN MoMo and Airtel  platforms.

    • ✅ No paperwork, funds go directly to Mobile money wallet.

    • 📱 Access via *115# on MTN  and Airtel Zambia.

  7. Lupiya

    • ✅ Regulated lender in Zambia.

    • ✅ Offers business and personal loans via mobile platforms.

    • 🌐 lupiya.com

  8. Impiya Loan App

    • ✅ Mobile-based microloans.

    • ✅ Quick transfer to Airtel or MTN mobile money accounts.

    • 📱 Google Play Store

  9. Monifi

    • ✅ Small personal loans, fast approval.

    • ✅ Money sent to mobile wallet.

    • 📱 Google Play Store

  10. Nguzu Lending

  • ✅ Short-term mobile loans.

  • ✅ Fast transfer to mobile money platforms.

  • 📱 Google Play Store


     11. Zamloan

  • ✅ Short-term mobile loans for civil servants upto K100,000

  • ✅ Fast transfer to mobile money platforms.

  • 📱 Google Play Store