Lusaka, Zambia | Loans from K1,000 to K50,000

Cash in your hand today. Pay less each time you pay on time.

Apply online in minutes with a valuable item or a guarantor. We send your loan details and a reminder 3 days before your due date straight to your WhatsApp.

1 week to 6 monthsYou choose the term

WhatsAppDetails and reminders

Loan calculator

K5,000

Or type a custom amount (up to K500,000)

Repayment term

Longer term in months, with a signed agreement (minimum K10,000)

You getK5,000

InterestK1,750

Total to payK6,750

Set aside per weekK3,375

Apply for K6,750 total

Late fee is 7.5% of the loan amount per day after the due date. See terms below.

Apply for your loan

Have your NRC, a clear camera and your collateral or guarantor ready. It takes about five minutes.

How will you secure the loan?

Loan type *

About you

Full name *

NRC number *

Phone (WhatsApp) *

Your loan details and reminders go to this WhatsApp number.

Email *

City or town *

Home address *

Loan purpose *

Employment *

Monthly income (K) *

Receive money via *

Payout number or account *

Next of kin *

Next of kin phone *

Your collateral

The item must be owned by you, free of any lien, worth at least 2 times the loan, in working condition, and available for physical verification.

Category *

Item details *

Estimated value (K) *

Collateral photos

Take clear photos in good light. Front and side are required.

Verify your identity

Photos open the live camera. Gallery uploads are not accepted for identity documents. Every photo starts sending as soon as you take it, so Submit is quick.

Declaration

I declare that everything I entered is true. I will pay back K6,750 on time. A late fee of 7.5% per day applies after the due date. I accept the terms. My collateral or guarantor is genuine: the item is owned by me, free of any lien, worth at least 2 times the loan, in working condition, and open to physical verification. I consent to Mushi Cash verifying my details, storing them securely, and contacting me by phone, WhatsApp and email.

Check your loan and pay

Enter your reference and the phone number you applied with. You can see what you owe and pay straight from here.

Reference number

Phone number

Initial capitalK0Tap to edit, saved for all devices

Available nowK0Capital - sent out + collected

Sent out (active)K00 active loans · Expected K0

ProfitK00 paid

Total paid backK0

Pending approval0

Overdue0

Discounts givenK0

When on, loan details are sent the moment you approve a loan, and each borrower gets a reminder 3 days before the due date, on the due day, and daily once overdue. Needs the WhatsApp Cloud API below. Without it, a ready-to-send WhatsApp chat opens for you instead.

Cloud API access token

Phone number ID

Approved template name (optional)

Cash in your hand today. Pay less each time you pay on time.

Loan calculator

Apply for your loan

How will you secure the loan?

About you

Your collateral

Collateral photos

Your guarantor

Verify your identity

Loan agreement

Declaration

Thank you. We are reviewing it now.

Check your loan and pay

Your payments

Pay now

Cash in your hand today. Pay less each time you pay on time.

Loan calculator

Apply for your loan

How will you secure the loan?

About you

Your collateral

Collateral photos

Your guarantor

Verify your identity

Loan agreement

Declaration

Thank you. We are reviewing it now.

Check your loan and pay

Your payments

Pay now

Financial overview

WhatsApp automation

Client payments

Admin login

Change password

Initial capital

Edit loan

Details

Give a discount

Delete this application?

Alerts

Terms and conditions

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