Loan requirements and how to apply in Zambia
What you need to get a loan in Zambia: NRC, mobile number and proof of income. Documents needed, how to apply online and how long approval takes at Ornix Credit.
Getting a loan in Zambia with Ornix Credit is done online, from your phone. Here’s what you need and how the application works.
Loan requirements
- A valid Zambian NRC
- An active mobile number (ideally the one linked to your mobile money wallet)
- A regular income: a salary, or income from your business
- Consent for us to check your details, including with a credit bureau
Documents needed for a loan
If you’re salaried (civil servant, teacher or employee): a copy of your NRC, recent payslips and bank statements.
If you run a business (marketeer, driver or small business): a copy of your NRC and proof of your business income, such as mobile money or bank statements. No payslip needed.
When you apply, we show you exactly which documents your loan needs, and you upload them from your phone. Some loans may need security (collateral); we’ll tell you before you apply.
How to apply for a loan online
Four steps 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.
How long does loan approval take?
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 as soon as we decide. We check every application properly, so be wary of any lender promising instant approval with no checks.
