Questions and answers from our customers.
We understand that it is frustrating to not receive a loan at this time. Our loan decisions are made by an automated system that takes into account many factors, including your loan application and other information. We are always working on improving our policies. We will update you as soon as you are eligible to reapply.
Thank you very much for the payment, it takes 30 minutes to an hour for you to be cleared from our system, we also wait for for feed back from the mobile service provider, just kindly be patient you will receive confirmation message from us. For instant clearance you can use our online repayment procedure WebPay.
The Zamcash 30 days product is not always open on your account. It depends on your salary date.
A k25 fixed loan processing fee is deducted every time one makes a loan application. our clients do not have to travel to access our small soft loan, no paper work or bank statements needed. and our online system also need to be serviced.
1. Click on this link below www.zamcash.com
2. Enter Your phone number
3. Click on GET to receive Your verification code.
4. You will then be taken to a page that will show you Your own personalized link.
5. To share this link Click on copy link and choose the platform you want to share the link (whasapp，facebook，sms)
You receive a k25 commission automatically when the people you invited successfully manage to access the loan
Yes, We actually encourage our clients to make part payments so they do not default or overdue on their loans.you will only receive confirmation of payment after you settle the full loan amount.
When you overdue on your loan payment, you will be charged a k25 penalty fee plus one percent (1%) of your initial loan amount on the first day. Then everyday that you default one percent (1%) of your initial loan amount will be added to your loan.
For one to qualify for Zamcash loans, you need to be working under the private sector for a registered company and on a stable payroll, though system is not open to everyone.
The system monitors how well you make payments on time, and automatically upgrades after you have a good credit score.
You can get a loan if:
a. You are an Zambia citizen, age 21 to 60 years old and have a valid NRC
b. Your mobile phone number should be active
c. You can apply on www.zamcash.com
We offer loans of between K 2,00 upto K 2,000 *. For new customers the loan amount is maximum of K500. T & C apply.
You can apply 24/7 anytime. You can apply from our website.
No, it is very easy to apply for a loan. You can get loan in 3 simple steps:
1. Sign up from our website.
2. Fill the application
3. Recieve mobile money withing 5 minutes
The requested loan amount disbursed immediately after the credit decision process is completed at our end. Normally you should get the money in your mobile money account immediately. In case of delay please call our customer support.
You can take repeat loan anytime once your existing loan is closed. Simply log in to your cabinet and just confirm your account details again. Your loan amount will be credited into your account instantly. There is no need to upload any document as your data is already stored with us.
Zamcash automatically increases the loan limit immediately after the timely repayment of an existing loan.
You can check the status of your application in your Zamcash Loan account. You will get a mail and SMS on the status of your application
Unfortunately, in this case you will not receive the money. Please inform our customer Support and we will be happy to help.
Try restarting your phone. If you still do not receive the messages, check your memory. If it is not enough, clear some space by deleting unnecessary text messages. Check your account balance and SMS service settings. After performing all these actions, request us, on the website, to resend an SMS. If you still do not receive the messages, write to email@example.com indicating the problem, your mobile number and also specify the telephone carrier service.
Yes you can make a payment anytime before your due date. The interest is charged for the terms of days you have the loan.
Yes, you can cancel your application until you submit application by logging into your Zamcash account. If you want to cancel the application after submission of your documents, please call OR write to us and we will be happy to help.
At Zamcash , we understand that sometimes you might be in a situation where you are unable to make a payment on due date. Zamcash gives you the option to make a partial payment of the loan. To know further please call our Support Desk.
We do not accept payments in Cash now. If for any reason your online transfers are not successful, Please call our support numbers for more details
Do not worry , you can reapply after 30 days.
If for some reason your payment is not reflecting in your account, then please share the payment screen shot at firstname.lastname@example.org You can also reach out to us at 0776435587 (7:30 am to 9:30 pm) Monday to Sunday.
Yes you can get a loan. As part of our responsible lending policy, we conduct a comprehensive credit history check. We don’t decline cases only on the basis of low score.
The service can be used throughout the week. It works during holidays and non-working days. Our Phone centers timings: 7:30 am to 9:30 pm. Monday to Saturday
We are committed to the satisfaction and delight of our customers, but for some reason you believe we have failed in doing so, we really want to know what happened and how we can help you resolve this. You can mail us at email@example.com We will ensure we can get it right the next time.
Our technology and lending partnership allow us to offer a world-class experience to our borrowers:
- No paperwork
- Apply 100% via mobile
- Receive mobile money withing 5 minutes
- Instant increase in credit limit on timely repayment.
Yes, you can change your mobile money details. To know more please call on our support numbers.
We have made the entire payment experience as user friendly as possible. There are 2 ways you can repay the Loan: Log in to you cabinet, click on repay and the system will direct towards a payment page.
1. You can pay via our payment aggregator WEBPAY through your Airtel Mobile Money / MTN Mobile Money
2. You can also pay online by Airtel Mobile Money / MTN Mobile Money via USSD Channel.
To know further please call our Support number.
We do not accept payments in Cash now. If for any reason your online transfers are not successful, Please call our support numbers for more details.
At Zamcash , we understand that sometimes due to ever changing dynamics , you might be in a situation where in you are unable to make a payment on due date. you will have to contact our customer care numbers to help you get through to your loan officer.
If for some reason your payment is not reflecting in your account, then please share the payment screen shot at firstname.lastname@example.org We would check internally and will post your payment. You can also reach out to us at 077 643 5587 (7:30 am to 9:30 pm) Monday to Sunday.
Yes you can make a part payment of your loan. Please log in your cabinet and click on ‘Part Payment ‘The system will trigger you to make a payment. While doing so please remember that the interest will be charged on the remaining amount. To know more please call on our support numbers.
Once you close your existing loan, your Next loan is just a click away. All you have to do is log in to your cabinet and Click on New loan and reconfirm mobile money details. That’s it, the credit will happen instantly.
Zamcash provides quick loans with fully automated online service. Zamcash is our brand name and Loans are provided by Biu Capital Limited , Licensed and regulated by the Bank of Zambia.
The "Zamcash" grants definite economic amounts for the client's temporary use. The size of the loan can vary from K200 to K2,000 . For the use of the service, you will have to pay interest rate type.
The service can be used throughout the day throughout the week. It works during holidays and non-working days. The same working hours have our call center operators.
During 5 years. If you wish you can request it in paper format, sending an email to email@example.com It will be sent to you within a week.
Zamcash, a online leading lending platform that provides instant short-term loans in Zambia to help cover unexpected expenses or urgent cash needs.
Loans provided by Biu Capital Ltd. Licensed and regulated by the Bank of Zambia. Registered Office: Lusaka, ZAMBIA
© 2021, ZAMCASH