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Currently, convenient apps and online lending services such as personal loans and quick cash loans are increasingly chosen by many users. One of the first online lending companies in Zambia that garners trust from many is Mwachangu. This name is familiar to customers due to its rapid lending speed and support for customers facing financial difficulties within a 4-hour timeframe.

Introducing the Mwachangu app

Mwachangu is a financial brand with over 3 years of experience in the financial sector, specifically in lending. The app has helped numerous individuals swiftly resolve personal financial issues with straightforward and clear procedures. Users meeting basic criteria can access quick loans promptly.

User operations are simple—just submit a loan request and select the desired amount following the guidelines. The money will be transferred to your account while awaiting assessment and approval of the loan. Essentially, it’s quick lending with fast funds transfer, yet there are several considerations to note, such as the app’s interest rate limits.

Information about Mwachangu’s loan tiers:

Mwachangu isn’t the lender but rather utilizes advanced technology to facilitate and connect borrowers with lending partners. Consequently, the limits and interest rates vary depending on the loan providers.

The interest rate for subsequent loans does not exceed 31.30% per year. Customers are reimbursed within 91 to 180 days, with interest rates calculated based on different loan amounts. The app commits to providing comprehensive and truthful information about loans, interest rates, and related fees at the time of registration.

Customers will receive professional guidance from the app’s dedicated team to consider before registering, without worrying about unclear service fees.

Mwachangu’s target borrowers:

Before applying for a loan, you need to meet these simple criteria:

  • Ages 21 to 64
  • Possession of valid and legal identification
  • Zambian citizenship residing within the country
  • Stable monthly income

Steps to apply for a loan through Mwachangu:

Mwachangu is an app supported on both Android and iOS platforms, available for direct download here. You can use this app to apply for a loan. The steps to apply for a loan through Mwachangu are as follows:

  • Step 1: Access the Mwachangu app at
  • Step 2: Choose the loan amount from 100ZMW to 5000ZMW according to your personal needs. Provide your phone number and press the ‘Register Now’ button.
  • Step 3: Provide basic information such as full name, date of birth, loan purpose, phone usage name, etc.
  • Step 4: Enter your address.
  • Step 5: Continue providing information about employment, income, and most importantly, your primary bank account details for the app to process the loan for you.
  • Step 6: Upload photos of both sides of your identification document for verification and a portrait photo with the document onto the system.
  • Step 7: Input information about relatives for personal information verification, and enter the confirmation code sent by the app in the ‘Enter Confirmation Code’ section.
  • Step 8: Next, press ‘Complete Registration’ and wait for the call center staff to contact you for confirmation and payment.

Frequently Asked Questions at Mwachangu:

If you have any inquiries during your use of Mwachangu, refer to these frequently asked questions:

How long will it take for me to receive the money?

Upon successful registration and approval, the fastest you’ll receive the money is within 35 minutes, and the longest waiting time within the day.

What are the payment methods available?

You can make payments using various methods. However, the most convenient method is through bank transfers.

How can I extend the app’s loan?

To extend the loan, customers must commit to making timely subsequent payments, provide a valid reason for late payments, and have a specific debt repayment plan approved. You can extend the loan in three ways: contacting the hotline, sending an email, or visiting the official office in person.