Frequently asked questions

Anyone with a valid Zambian NRC, an active mobile number and a regular income, such as civil servants, teachers, government and company employees, marketeers, Yango drivers and small business owners. We have different loan products for salaried people and for people who run their own business.

Your NRC, a mobile number and a few details about yourself. Salaried borrowers also provide recent payslips. If you run a business, our business loans use other proof of income instead. See loan requirements and how to apply.

Once your loan is approved and you’ve signed your agreement online, we send it to your Airtel Money or MTN MoMo wallet, or to your bank account. The one-time processing fee is taken off the amount sent.

Use the loan calculator to see your monthly payment, total interest, processing fee and payment dates in Kwacha before you apply. Your exact figures are in your loan agreement, which you read before you sign.

Salaried borrowers need recent payslips. If you don’t earn a salary, for example if you’re a marketeer, driver or business owner, our business loans use other proof of income, such as mobile money or bank statements.

Yes. We can send your loan to your Airtel Money or MTN MoMo wallet, and you can repay by mobile money too. See mobile money loans.

Not for every loan. Whether security is needed depends on the loan product and the amount. We tell you before you apply if your loan needs collateral.

It depends on how quickly your documents are complete. Once everything is in, we review your application and let you know by SMS or WhatsApp the moment we decide. You can follow each step in your account.

No. We check every application properly, including your identity, income and credit history, so that the loan is affordable for you. Be careful of anyone promising instant approval without checks: see our guide to loan scams.

Our app is coming soon. Until then, you can find out about a loan and talk to us through this website. See the Ornix Credit app.

Send each repayment by Airtel Money, MTN MoMo or bank transfer to the Ornix account we give you, quoting your loan reference. Payments appear on your loan within one business day.

Yes. The interest you haven’t used yet is taken off, so settling early saves you money.

Tell us early. You can ask to move a date, split a payment or get a call back, and our team will agree a plan with you.

Your documents are encrypted and only used to verify you and assess your loan, with your consent, in line with the Data Protection Act No. 3 of 2021.