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Long term loan

Need a deposit for a new car? Financing for a renovation project or a tuition fee to get a university degree?


We offer loans of up to K100,000 repayable over 12 months

What are requirements to apply?

Be 21 years old and above

Be a holder of ID document or driver's license

Be officially employed with an bank account

Have a registered mobile phone number

Present proof of the current residential address

How can I apply?


The easiest way to apply for a loan is to use the application form on our website www.expresscredit.co.zm.


Visit any of our branches where a loan officer will help you complete your loan application.

Call Centre

Call any of our agents at 3334.

How much can I borrow?

  1. Use the online calculator to tell us how much and for how long you want to borrow.
  2. Choose your salary pay date.

Once you have entered all the details, we will show you an example of what you might repay, including the payment amount, interest and next repayment day.

What is the application process?

To process your application the same day, please bring the documents with you or upload if applying through our website:

  1. National registration card, passport or a driver's license. An ID document or passport and work permit for non-citizens
  2. Stamped copy of the latest payslip
  3. Official employment confirmation letter (must contain your residential address)
  4. Last 3-month bank statement stamped by the bank (e-bank statements will be accepted without the bank stamp)


The assessment process is fast and very straightforward. If you apply for a loan with us, in most cases, we will have your answer the same day.

How can I get the money?

Once the loan application is approved, we will transfer the money to your bank account or you can simply go to the branch and withdraw in cash. In this case, you will be required to present your ID.

How can I repay the loan?

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
    MTN Mobile Money - Merchant code: 333400  
    Zamtel Mobile Money - Merchant code: 33340  
    Airtel Mobile Money - Merchant code: EXPRESS 
  • 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.