Mobile Loans

Quick & Convenient
Mobile Loans

Get access to quick and convenient Zed-Fin Loans, directly from your phone via USSD. No app, no internet, no bank account.

Apply Now — Dial *115#
How To Access

Available on two networks

Step-by-step guides for MTN MOMO and Airtel Money users.

Airtel Money

Airtel Money

Na Sova Loans Platform

1

Dial *115#

2

Select 5. Na Sova Loans

3

Select 4. Zed-Fin Loans

*115#
Airtel & Zed-Fin Terms & Conditions →
MTN

MTN Mobile Money

Kongola Platform

1

Dial *115#

2

Select 6. Kongola & Savings

3

Select 2. Kongola

4

Select 5. Zed-Fin Loans

*115#
MTN & Zed-Fin Terms & Conditions →
Features

Why choose Zed-Fin Mobile Loans

Quick Access

Get your loan directly from your mobile menu. No app, no internet, no paperwork.

Convenient

Available 24/7 from your mobile device, wherever you are in Zambia.

Secure

Every transaction is protected through MTN and Airtel's secure mobile money infrastructure.

Easy Repayment

Repay through the same menu you used to apply — simple, fast, and stress-free.

Clearance Letters

Need a clearance letter or have a CRB issue?

If you've fully repaid your loan and need an official clearance letter, or you have a Credit Reference Bureau (CRB) listing issue related to your Zed-Fin account, our clearance team can help.

clearance@zedfin.co.zm

We typically respond within 1–2 business days.