Uniquely
Zambian.
Proudly African.
Rapid, safe & affordable mobile credit — no bank account, no paperwork, just your phone.
Dialing USSD code…
Connecting to MTN MoMo…
Four steps.
One phone.
No bank visits. No paperwork. Just dial and grow.
Dial *115#
Open Airtel Money or MTN MoMo on any phone. No smartphone or internet required — works anywhere in Zambia.
Available 24 / 7Choose Your Loan
Navigate to Zed-Fin Loans, select your amount. Approval is automatic — no paperwork, no collateral.
Instant decisionReceive Funds
Approved funds land directly in your mobile wallet within minutes. Start using them immediately.
Minutes, not daysRepay Easily
Repay through the same menu whenever you're ready. Simple, stress-free, and on your schedule.
Flexible repaymentWorks on the networks
you already use
No smartphone or internet required. Just dial and get your loan in minutes using MTN or Airtel Money.
Airtel Money
Available on Airtel menu
MTN Mobile Money
Dial *115# to access
Credit built for
real life.
Designed from the ground up for Zambian citizens — fast, accessible, and genuinely affordable.
A Trusted Financial
Service for All
A proudly Zambian institution serving citizens across all 10 provinces.
Approval
Instant Approval
No queues, no branch visits. Approved in minutes.
Accessibility
No Internet Needed
Works on any basic phone via USSD — urban or rural.
Safe & Secure
Secured through MTN & Airtel's trusted infrastructure.
Easy Repayment
Repay through the same menu — simple, on your schedule.
Financial Inclusion
Every Zambian deserves access to credit — urban or rural.
Changing lives
across Zambia.
“Zed-Fin helped me grow from selling one meda to three medas and beyond. I applied in minutes and had money in my wallet the same day.”
Amai Dalitso
Small Business Owner — Lusaka
Your loan is
one click
away.
Join thousands of Zambians already building better lives with Zed-Fin. No bank. No paperwork. Just your phone.
*115#
USSD Code
Airtel & MTN
24/7
Always On
No closing time
2
Networks
MTN & Airtel
100%
Zambian
Proudly local