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Ornix Credit · Online loans in Lusaka, Zambia

Borrow with confidence. Repay without stress.

Personal, salary advance and business loans in Kwacha, sent straight to your mobile money. Work out exactly what you'll pay, and when, before you apply.

Proudly Zambian No hidden feesAirtel & MTN Money
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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.

Who we lend to

Loans for the people who keep Zambia moving

Marketeers, Yango drivers, civil servants and people in formal employment. Borrow for what matters to you, and know the full cost before you commit.

A marketeer selling tomatoes and vegetables at a busy street market

Loans for marketeers

Buy fresh stock for your stand and keep your trade growing.

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A smiling driver sitting at the wheel of his car

Loans for Yango drivers

Cover fuel, repairs or servicing and stay on the road earning.

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A man in a shirt and tie laughing as he looks at his phone

Salary loans for civil servants & employees

Teachers, nurses, government and company staff: cover school fees, emergencies or a big purchase.

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A carpenter in his workshop celebrating a message on his phone

Loans for craftspeople

Buy the tools and materials for your next job.

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Why Ornix

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.

Loan guides

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FAQs

Good questions

Who can apply for a loan?

Anyone with a valid Zambian NRC, an active mobile number and a regular income, such as civil servants, employees, marketeers, Yango drivers and craftspeople. When you apply, we show you exactly which documents your loan needs.

What do I need to apply?

Your NRC, a mobile number and a few details about yourself. After you choose your loan we show you exactly which documents we need, usually your NRC and proof of income, and you upload them from your phone.

How will I receive the money?

Once your loan is approved and you've signed your agreement online, we send it to your Airtel Money or MTN MoMo wallet, or to your bank account. The one-time processing fee is taken off the amount sent.

How much will I pay?

Use the loan calculator for an estimate of your monthly payment, total interest, processing fee and payment dates. Your exact figures are set out in your loan agreement, which you read before you sign.

See all frequently asked questions

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Ready when you are

Create your account in a few minutes and apply from your phone.

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