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Loan Products

Find the right loan for your needs. Below are our most common product types. Exact amounts, fees and eligibility are determined by a quick credit evaluation.

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All products

Standard Short-Term LoanArrow
Flexi 3OArrow
Business BoostArrow

Standard Short-Term Loan

Loan amount: Up to ZMW 1,500

Loan term: 91 days

Service fee: 0% of principal (example)

Total repayable: Principal + fee (displayed before acceptance)

Repayment method: Single repayment to registered e-wallet

Who is it for: Small cash needs, emergency expenses

Actual interest rates, service fees and repayment schedules are personalized based on your credit evaluation. All fees and repayment amounts will be displayed for you to review and accept before any loan is disbursed.

Process

How It Works

Getting a loan with FlipmoCredit is fast and simple. Follow these steps to complete your application and receive funds.

Step 1 — Sign up

Step 1 — Sign up

Enter your mobile phone number and verify it via SMS code.

Step 2 — Complete KYC

Step 2 — Complete KYC

Provide essential information: full name, date of birth, national ID (if required), employment details and income estimate.

Step 3 — Grant optional permissions

Step 3 — Grant optional permissions

Enter your mobile phone number and verify it via SMS code.

Step 4 — Instant credit evaluation

Step 4 — Instant credit evaluation

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.

Step 5 — Accept terms and receive funds

Step 5 — Accept terms and receive funds

Review the loan amount, fees and due date. If you accept, funds are sent to your registered e-wallet.

Step 6 — Repay on time

Step 6 — Repay on time

Repay by the due date to avoid penalties and to build a better credit profile.

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