Frequently Asked Questions (FAQs)

We offer loans to:
  • Employees of international NGOs
  • Shop workers
  • Motorbike riders
  • Employees of companies with signed MOUs
No, we currently only accept applications from individuals in the listed categories.
Contact your HR department or reach out to our customer service team.
Your organization's management should send a written request to us.
The application process depends on your category:
  • Employees of International NGOs: Complete KYC, then apply online with:
    • 3 months bank statements (latest)
    • 3 months pay slips (latest)
    • Employer confirmation letter
    • Guarantor form
  • Shop Workers: Complete KYC, then apply online with:
    • Employer confirmation letter
    • Guarantor form
    • CRB report
  • Motorbike Riders: Complete KYC, apply via the app with a rider's license.
  • Employees of Companies with MOU: Apply through your HR department.
  • A copy of your NRC
  • Proof of residence
  • Employer confirmation letter
  • A passport-sized photo
  • TPIN Certificate (if necessary)
All loans must be repaid within one month.
Loan amounts vary:
  • Ride and Thrive Loan: K100 to K200
  • Shop Smart Loan: K500 to K800
  • Pay Day Loan: K1,000 to K3,000
No, you can only have one loan at a time.
Yes, you can repay your loan early without any penalties.
Yes, you may pay only the interest and carry the principal to the next loan cycle.
You can repay using:
  • Airtel Mobile Money
  • MTN Mobile Money
  • Zamtel Kwacha
  • Debit/Credit/VISA & Master Cards
  • Merchant Codes
  • Payroll deduction (for MOU employees)
No, we do not accept cash payments.
Loans are disbursed through Airtel Money, MTN Money, Zamtel Kwacha, or a bank account. We do not make cash payments.
Interest rates vary by loan type. Refer to your loan agreement or contact our customer service.
Loan applications are processed within 8 working hours after receiving all required documents.
You can reach our support team via phone, email, WhatsApp, or visit our office during business hours.
The minimum age requirement for loan applicants is 18 years old.
You can apply for a loan online through our website or mobile app. Alternatively, you can visit our branch in Mansa to apply in person.
Yes, guarantor requirements vary depending on the loan product and your individual circumstances. Please refer to the specific loan product details or contact our team for more information.
A guarantor must be over 18 years of age with a stable source of income or financial means to repay the loan if necessary. They must be willing to take on the responsibility of ensuring the loan is repaid in case the borrower defaults. By agreeing to guarantee the loan, the guarantor ensures that the loan will be repaid if the borrower is unable or unwilling to fulfill their payment obligations. This means that the guarantor is legally responsible for repaying the loan or any outstanding balance if the borrower defaults.
Registering an account allows you to access personalized services, apply for loans, track your application status, make loan repayments, and manage your account securely.
No, you should register with your own phone number as it will be used for account verification and communication.
No, each individual is allowed only one account.
Ensure you have a stable internet connection and that all fields are filled correctly. If you continue to experience issues, contact customer support for assistance during work hours.
You can update your personal information by logging in to your account.
Click on the “Forgot your password” link on our login page. You will receive instructions on how to reset your password via your registered phone number or email.
We use strong encryption and authentication protocols to protect your account from unauthorized access. It is also recommended to use a strong and unique password.
Yes, to protect your account security, there is a limit on incorrect login attempts. After three consecutive incorrect attempts, your account will be temporarily locked. This is to prevent unauthorized access and protect your personal information.
Yes, we take data security seriously and employ industry-standard measures to protect your personal information.
Your personal information will be used to verify your identity, process your loan applications, and provide you with relevant services. It will be kept confidential and protected in accordance with our privacy policy.
Our operating hours are Monday to Friday, 8:00 AM to 5:00 PM.