Loans in Zambia
Personal, salary advance, business and mobile money loans in Zambia from Ornix Credit. Short-term loans in Kwacha with the full cost shown upfront. Apply online.
Ornix Credit offers short-term loans in Kwacha to people across Zambia, with the full cost shown upfront and repayments spread over months, not weeks. Choose the loan that fits how you earn: a salary advance loan if you’re employed, or a business loan if you run your own business. All our loans can be paid out by mobile money.
Choose your loan
Each loan is designed around how you earn and what you need the money for.
Loans for marketeers
Buy fresh stock for your stand and keep your trade growing.
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Loans for Yango drivers
Cover fuel, repairs or servicing and stay on the road earning.
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Salary loans for civil servants & employees
Teachers, nurses, government and company staff: cover school fees, emergencies or a big purchase.
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Loans for craftspeople
Buy the tools and materials for your next job.
Learn more →Personal and emergency loans
Life doesn’t wait for payday. Our short-term personal loans help with school fees, medical bills, rent and emergencies, with fixed monthly repayments you know from the start.
Before you borrow
Check the loan requirements, work out your repayments with the loan calculator, and borrow only what you can comfortably repay.
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.
See what your loan would cost
Work out your monthly payment and repayment dates before you apply.