How to spot loan scams in Zambia
How to avoid loan scams in Zambia: the warning signs of fake lenders, how to tell a genuine fee from a scam, and how to check…
Read guide →Getting a loan with bad credit in Zambia
Can you get a loan with bad credit in Zambia? What lenders look at, how to improve your chances, and how to avoid lenders who prey on people with poor credit.
Missed payments in the past can make borrowing harder, but your credit history isn’t the only thing a responsible lender looks at. Here’s what matters, and how to improve your chances.
What lenders look at
- Your income and whether the repayments are affordable for you
- Your credit history: how you’ve repaid loans before
- Your current debts
- Your identity and documents
How to improve your chances
- Check your credit report and fix any mistakes: see how to check your credit score
- Clear or reduce existing debts where you can
- Apply for a smaller amount you can comfortably repay
- Have your documents ready and up to date
Be careful
Lenders who promise loans to anyone, whatever their history and with no checks, often charge hidden fees or are scams. See how to spot loan scams.
At Ornix Credit we assess every application on its merits, including affordability, and explain our decision.
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