Download the app or sign up on this website. Enter your mobile number, verify with SMS code, complete the KYC form and submit. Decision in minutes.

Residents of Zambia aged 18–55 with a valid mobile number and valid ID. Final eligibility depends on credit evaluation.

Most decisions are made within minutes after completing KYC.

Yes. You may reapply after the cooldown period shown on your result screen.

Repay via your registered e-wallet. Open the app, select "Repay" and follow instructions.

Fees vary by product and will be displayed before acceptance.

Late payments may incur penalty fees and affect future eligibility.

Yes. Early repayment may reduce interest/fees depending on product terms.

We only access SMS messages that include financial content and only after you grant permission. Incremental uploads ensure no repeated uploads.

Yes — encryption, access controls and audits are in place.

Only with payment providers, fraud vendors, or as required by law. We do not sell your data.

Contact help@flipmocredit.com to request deletion. Some loan records may be retained as required by law.