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Frequently Asked Questions

FAQs

Application & Eligibility

How do I apply for a FlipmoCredit loan?
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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.
Who is eligible?
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Residents of Zambia aged 18–55 with a valid mobile number and valid ID. Final eligibility depends on credit evaluation.
How long does approval take?
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Most decisions are made within minutes after completing KYC.
Can I apply again if refused?
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Yes. You may reapply after the cooldown period shown on your result screen.

Repayment & Fees

How do I repay my loan?
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Repay via your registered e-wallet. Open the app, select "Repay" and follow instructions.
What fees will I pay?
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Fees vary by product and will be displayed before acceptance.
What happens if I miss a payment?
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Late payments may incur penalty fees and affect future eligibility.
Can I repay early?
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Yes. Early repayment may reduce interest/fees depending on product terms.

Data & Privacy

Do you read my SMS?
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We only access SMS messages that include financial content and only after you grant permission. Incremental uploads ensure no repeated uploads.
Is my data secure?
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Yes — encryption, access controls and audits are in place.
Will you share my data?
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Only with payment providers, fraud vendors, or as required by law. We do not sell your data.
How do I delete my data?
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Contact help@flipmocredit.com to request deletion. Some loan records may be retained as required by law.

Troubleshooting & Support

I didn't receive the verification code.
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Ensure network coverage and correct number. Wait 60s and tap Resend. Contact support if problem persists.
My disbursement is delayed.
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Check your e-wallet. If funds aren't received within the expected timeframe, contact support with your phone number.
The app crashed during application.
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Reinstall or clear cache. Email support with screenshot and details if issue persists.
How can I contact support?
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Email help@flipmocredit.com or use the Contact page form.
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