How to get a loan in Zambia with Ornix Credit
How to borrow money in Zambia with Ornix Credit: create your account, choose your loan, upload your documents, sign online and receive the money by mobile money or bank.
From application to money in your wallet
Everything happens online. You can track each step from your phone.
- 1
Create your account
Register with your NRC and mobile number. It only takes a few minutes.
- 2
Choose your loan
Pick an amount and repayment period and see the total cost and every payment date.
- 3
Upload and get a decision
Send your documents from your phone. We check them and let you know by SMS or WhatsApp.
- 4
Sign and receive
Sign your agreement online and the money is sent to your mobile money wallet or bank account.
Repaying your loan
Each month, send your repayment by Airtel Money, MTN MoMo or bank transfer to the Ornix account we give you, quoting your loan reference. Your balance updates as soon as we record your payment, usually within one business day.
Paying off early
You can settle your loan in full at any time. The interest you haven’t used yet is taken off, so you save money.
If a payment will be difficult
Tell us early. You can ask to move a payment date, split a payment, or get a call back, and our team will agree a plan with you.
See also: loan requirements · FAQs
Credit that leaves you better off
The full cost, upfront
See interest, fees and every payment before you commit. No surprises later.
Made for mobile money
Receive your loan in your Airtel Money or MTN MoMo wallet, or your bank account.
Pay off early and save
Settle early and the interest you haven't used yet is taken off.
Help when it's hard
Tell us early if a payment will be difficult and our team will agree a plan with you.
Your data, protected
Documents are encrypted and only used to verify you and assess your loan, with your consent.
Reminders that help
Payment reminders by SMS or WhatsApp, so a due date never catches you out.
Ready when you are
Create your account in a few minutes and apply from your phone.