About long term loans
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 K1,500 and K100,000 repayable over 2-12 months.
Yes, you can apply for a long term loan on our website www.expresscredit.co.zm.
The maximum tenure for people employed in the private sector is 6 months.
About payday loans
We offer payday loans between K200 and K10,000, generally due in full on your next pay date. These loans are designed purely for short term use to help you in a financial emergency.
Yes, you can apply for a payday loan on our website www.expresscredit.co.zm.
About loan repayments
You can repay the loan by a bank transfer, mobile money or cash at the nearest branch.
- Bank transfer
First National Bank Zambia Limited: 0062684077409
Absa Bank Zambia Limited: 0200161465526
Stanbic Bank Zambia Ltd: 9130000664409
Zambia National Commercial Plc: 5377971500154
- Mobile money (check out the FAQ 'How can I repay the loan with mobile money?')
Zamtel: dial *344# and enter the merchant code - 33340
Airtel: dial *788# and enter merchant code - EXPRESS
MTN: dial *303# and enter merchant code - 333400
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.
There are different mobile money providers you can choose from to repay your loan.
Step 1: Dial *788#
Step 2: Select option 4 ‘Make Payment’
Step 3: Select option 5 ‘Goods&Services’
Step 4: Select option 1 ‘Enter Merchant Code’
Step 5: Enter business name ‘EXPRESS’ (this isn’t case sensitive)
Step 6: Enter amount
Step 7: Enter reference
Step 8: Enter PIN
Step 1: Dial *344#
Step 2: Select option 4 ‘Pay Bill’
Step 3: Select option 6 ‘Merchant Payments’
Step 4: Select option 1 ‘Pay by Merchant Code’
Step 5: Enter merchant code ‘33340’
Step 6: Enter reference/account number (your loan number)
Step 7: Enter amount
Step 8: Enter Zamtel
Step 1: Dial *303#
Step 2: Select option 2 ‘Pay Bill’
Step 3: Select option 6 ‘Retail payment’
Step 4: Enter merchant code ‘333400’
Step 6: Enter amount
Step 7: Enter reference (your NRC number)
Step 8: Enter PIN
ExpressCredit Zambia offers fast and affordable long term and payday loans to individuals employed in the private and government sectors.
Our branches are open Monday-Friday 08:00-17:00 and Saturday 08:00-15:00.
Our call centre hours are Monday-Friday 07:00-18:00 and Saturday 08:00-15:00.
Unfortunately, we can't make an exception, and you need to submit all the required documents to apply.
If you have all the documents in place, we will have your application approved the same day.
National Registration Card, passport, driver's license (not expired) qualify as valid identity documents. For non-citizens, an ID document or passport (not expired) and a work permit are required.
We always operate according to responsible and affordable lending principles. Our interest rates vary and are subject to credit history, affordability, and other relevant criteria. Please get in touch with us to learn more.
Unfortunately not. We only offer loans to people with permanent and contractual employment (for a minimum of 3 months).
Yes, you can simply go to the branch and withdraw in cash. In this case, you will be required to present your ID.
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.
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.
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.
First Level Resolution
Customer Care Officer/First Level supervisor
Second Level Resolution
Head of supporting Unit/Call Centre Manager
Third Level Resolution
5 working days
* If your complaint remains unresolved within ten (10) working days, we will send you a written update.