Get approved in minutes and receive funds directly to your e-wallet — no paperwork, no long waits.
FlipmoCredit offers fast, transparent micro-loans designed for everyday needs in Zambia. Whether you need cash for an emergency, business stock, or household expenses, our streamlined application and fast disbursement get you funds quickly and securely.
Instant decision in minutes after you complete a short application.
All fees shown upfront. No hidden charges.
Loan terms designed for short-term needs with clear repayment schedules.
Industry-standard encryption and local compliance practices protect your data.
Customer service based in Zambia.
Loan amounts: ZMW 500 – ZMW 30,000.
Terms: 61 – 270 days.
Disbursement: Direct to registered e-wallet.
Instant decision in minutes after you complete a short application.
All fees shown upfront. No hidden charges.
Loan terms designed for short-term needs with clear repayment schedules.
Industry-standard encryption and local compliance practices protect your data.
Loan amounts: ZMW 500 – ZMW 30,000.
Terms: 61 – 270 days.
Disbursement: Direct to registered e-wallet.
Customer service based in Zambia.
To determine your loan eligibility, we may gather information such as your device details, app usage patterns, and SMS data. By continuing, you agree to this data collection.
Sign up with your mobile number.Complete a short KYC form.Get instant credit evaluation.Accept offer — funds deposited to your e-wallet.
To determine your loan eligibility, we may gather information such as your device details, app usage patterns, and SMS data. By continuing, you agree to this data collection.
Sign up with your mobile number.Complete a short KYC form.Get instant credit evaluation.Accept offer — funds deposited to your e-wallet.Getting a loan with FlipmoCredit is fast and simple. Follow these steps to complete your application and receive funds.
Enter your mobile phone number and verify it via SMS code.
Provide essential information: full name, date of birth, national ID (if required), employment details and income estimate.
Enter your mobile phone number and verify it via SMS code.
To improve decision accuracy, you can grant optional permissions such as SMS metadata access or device info. We only use data necessary for credit evaluation.
Review the loan amount, fees and due date. If you accept, funds are sent to your registered e-wallet.
Repay by the due date to avoid penalties and to build a better credit profile.
Getting a loan with FlipmoCredit is fast and simple. Follow these steps to complete your application and receive funds.
Enter your mobile phone number and verify it via SMS code.
Provide essential information: full name, date of birth, national ID (if required), employment details and income estimate.
Enter your mobile phone number and verify it via SMS code.
To improve decision accuracy, you can grant optional permissions such as SMS metadata access or device info. We only use data necessary for credit evaluation.
Review the loan amount, fees and due date. If you accept, funds are sent to your registered e-wallet.
Repay by the due date to avoid penalties and to build a better credit profile.
Managing money well makes life easier. Start with a simple budget: list monthly income and essential costs (food, rent, transport) and set aside a small savings amount, even 5–10% each month. Build a tiny emergency fund for unexpected expenses—this reduces reliance on high-cost credit. Track daily spending for one month to spot wasteful habits and cut non-essentials. Use secure mobile wallets and reputable banks for transactions to avoid cash loss. Finally, plan for seasonal income changes if you trade, and borrow only what you can repay on time.
Want a higher loan limit? Build a reliable track record. Repay every loan on time—this is the single most powerful signal. Complete your profile with accurate KYC details and keep contact info up to date. When offered, allow optional, limited data checks (device info or keyword-matched SMS metadata) to help us better assess affordability. Start with smaller amounts and increase gradually as you demonstrate reliability. If you face repayment trouble, contact support early to avoid defaults that lower future limits.
Managing money well makes life easier. Start with a simple budget: list monthly income and essential costs (food, rent, transport) and set aside a small savings amount, even 5–10% each month. Build a tiny emergency fund for unexpected expenses—this reduces reliance on high-cost credit. Track daily spending for one month to spot wasteful habits and cut non-essentials. Use secure mobile wallets and reputable banks for transactions to avoid cash loss. Finally, plan for seasonal income changes if you trade, and borrow only what you can repay on time.
Want a higher loan limit? Build a reliable track record. Repay every loan on time—this is the single most powerful signal. Complete your profile with accurate KYC details and keep contact info up to date. When offered, allow optional, limited data checks (device info or keyword-matched SMS metadata) to help us better assess affordability. Start with smaller amounts and increase gradually as you demonstrate reliability. If you face repayment trouble, contact support early to avoid defaults that lower future limits.
