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Salary advance loans for civil servants, teachers and employees

Salary advance and payday loans in Zambia for civil servants, teachers, nurses, government and company employees. Borrow in Kwacha and repay over months, not days.

If you earn a regular salary, from government or a company, an Ornix Credit salary advance loan helps you cover school fees, medical bills or an emergency without waiting for payday. Unlike a payday loan that must be repaid in one go, you repay in fixed monthly instalments, and you see exactly what you’ll pay before you commit.

Who it's for

What you can use it for

What you'll need

Your NRC, a mobile number, and recent payslips. When you apply, we show you exactly which documents your loan needs, usually payslips and bank statements, and you upload them from your phone. See the full loan requirements.

How much, and for how long

Use the loan calculator below to choose an amount and a repayment period. You’ll see your monthly payment, the total interest, the one-time processing fee, what you receive and the total to repay in Kwacha, before you apply.

How it works

From application to money in your wallet

Everything happens online. You can track each step from your phone.

  1. 1

    Create your account

    Register with your NRC and mobile number. It only takes a few minutes.

  2. 2

    Choose your loan

    Pick an amount and repayment period and see the total cost and every payment date.

  3. 3

    Upload and get a decision

    Send your documents from your phone. We check them and let you know by SMS or WhatsApp.

  4. 4

    Sign and receive

    Sign your agreement online and the money is sent to your mobile money wallet or bank account.

A smiling family of four, parents with their two young children

Apply for your loan

Talk to us about your loan, or start your application online.

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