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About Long-term Loan

  • How do Long-term Loan work?

    Whether you need extra money to buy your dream car, finish up renovations works or finance your training, long-term loans may help you get the money you need. We offer long-term loans between K5,000 and K20,000 repayable over 3-6 months.

  • Can I apply for a long term loan on your website?

    Yes, you can apply for a long term loan on our website www.expresscredit.co.zm.

  • Can I use this loan for my business, education or health?

    Yes, you can! Whether you need extra money that can be a useful financial instrument for start-ups, small and medium-sized businesses, medical or educational needs, our loans may help you get the money you need.

    We offer loans of up to K20,000 that can be repaid over a period of 6 months, making it easy for you to access the capital you need to achieve your business goals. Just fill out our online application form, and we'll contact you with a suitable solution tailored to your needs.

  • What is the maximum tenure for long term loans?

    The maximum tenure for people employed in the private sector is 6 months.

About Payday Loan

About loan repayments

  • How can I repay the loan?

    You can repay the loan by mobile money or cash at the nearest branch.


    • Mobile money (check out the FAQ 'How can I repay the loan with mobile money?')

    Airtel: dial *788# and enter merchant code - EXPRESS 
    MTN: dial *303# and enter merchant code - 333400   


    • Cash

    Available in all branches

    Please use your loan number or ID number as a reference to deposit funds. In case you have any questions, call us at 3334.



  • How can I repay the loan with mobile money?

    There are different mobile money providers you can choose from to repay your loan. 

    • Airtel

    Step 1: Dial *115#

    Step 2: Select option 4 ‘Make Payment’

    Step 3: Select option 6 ‘Goods & Services’

    Step 4: Select Option 1 ‘Enter Merchant Code’(Express)

    Step 5: Enter Business Name (Express)

    Step 6: Enter Amount

    Step 7: Enter Reference / NRC No.

    Step 8: Enter PIN


    • MTN

    Step 1: Dial *115#

    Step 2: Select option 3 Pay Bill

    Step 3: Select option 6 Retail payment

    Step 4: Enter Merchant code (which is 333400)

    Step 5: Enter Amount

    Step 6: Type in reference (always NRC Number)

    Step 7: Enter PIN to confirm transaction

General FAQs

Referral programme

  • How it works?

    • Refer any friend who is not an ExpressCredit client and if they are approved for a loan then you will earn K150 as a reward.
    • The referral code has no expiry date and a limit of 5 uses.
  • How to get your referral code?

    If you are our client, go to your client profile under account settings and find your unique referral code or request a referral code from our call centre or any of our branches.

  • How to refer a friend?

    Give the referral code to your friend to use when they are applying at the branch or online. If at the branch just mention it to the loan officer assisting, you. If applying online then you will see an enter referral code box at the bottom of the application page.

  • How to get my referral reward?

    Disbursements will be done at the start of each month and sent to your bank account.


  • How to submit a complaint?

    We put our customers at the heart of everything we do. Your feedback is what helps us to improve our services and build a strong community. We are committed to make things right and resolve any issues you may have. Would you please let us know your questions, comments or complaints you have by submitting a request online or at the branch?


    Please click on the link to go to the online form.

  • What will happen next?

    We strive to provide excellent customer service and resolve our customer complaints as quickly and fairly as possible. If our investigation takes more time than expected, we will get in touch with you to inform you of escalation options. In any case, we will provide our final answer in five working days and explain the assessment process and the decisions we have made.


    We will do our best to resolve your complaint at the earliest opportunity and would ask you to provide a written confirmation that your claim has been addressed to your satisfaction.


  • How long will it take?

    Our complaint resolution process is anything but straightforward. We assure you that we investigate complaints fairly, diligently and promptly. Our team follows up with our customers to make sure they are satisfied.

    Sometimes we need more time or to obtain additional information, but we keep our customers up to date on the progress and measures of the complaint’s resolution. Depending on the level of resolution, the complaint is resolved within 24 hours, 48 hours or five working days.


    Complaint Line


    Time Frame

    First Level Resolution

    Customer Care Officer/First Level supervisor

    24 hours

    Second Level Resolution

    Head of supporting Unit/Call Centre Manager

    48 hours

    Third Level Resolution

    Country Manager

    5 working days

    * If your complaint remains unresolved within ten (10) working days, we will send you a written update.

  • Complaints handling procedure