Need to repay your Zamcash loan? Learn how to pay back using Airtel Money, MTN Mobile Money, or online, step by step.
Got a Zamcash loan and not sure how to pay it back? You are not alone. Many borrowers in Zambia ask the same question. Fortunately, repaying a Zamcash loan is quick and easy, and you have several options to choose from.
This guide covers every repayment method available. Whether you prefer Airtel Money, MTN Mobile Money, or paying online, follow the steps below and clear your loan without any stress.
Disclaimer: Repayment steps, fees, and USSD codes in this guide are based on information published on zamcash.co.zm. These may change at any time. Always confirm the latest details directly with Zamcash before making a payment — call +260 776 435 588, +260 962 303 456, +260 962 307 480, or +260 962 099 742 or visit their official website.
Table of Contents
- How to Pay Zamcash Loan in Zambia (General Overview)
- How to Repay Zamcash Loan Using Airtel Money
- How to Repay Zamcash Loan Using MTN Mobile Money
- How to Pay Zamcash Loan Using USSD Code
- How to Pay Zamcash Loan via SMS
- How to Pay Zamcash Loan Online
- Common Mistakes When Repaying a Zamcash Loan
- Zamcash Loan Repayment Methods (Quick Comparison)
- Frequently Asked Questions About How to Repay Zamcash Loans
- Ready to Repay Your Zamcash Loan?
How to Pay Zamcash Loan in Zambia (General Overview)
There are three main ways to pay back your loan:
- Zamcash Web Payment — online via their website
- Airtel Money — via USSD on your phone
- MTN Mobile Money — via USSD on your phone
First, make sure you know your loan balance before making a payment. Log in at ZAMCASH or call customer support on +260 776 435 588 or +260 962 303 456. They are available from 7:30 AM to 9:30 PM, Monday to Sunday.
⚠️ Important: Always enter your NRC number (without slashes) in the reference field when paying via mobile money. This is how your payment gets matched to your loan account.
How to Repay Zamcash Loan Using Airtel Money
Repaying through Airtel Money is one of the most popular options in Zambia. You can pay directly from your account in under two minutes. Additionally, you can use someone else’s Airtel Money account, just make sure you add your own NRC as the reference.
Steps to Repay via Airtel Money
USSD Code: Dial *115# to get started.
- Step 1: Dial *115# on your Airtel line.
- Step 2: Select Option 4 — Make Payment.
- Step 3: Select Option 6 — Goods & Services.
- Step 4: Enter the number 1 as the merchant code.
- Step 5: Type zam for the Business Name and press OK.
- Step 6: Enter the repayment amount in Kwacha.
- Step 7: Enter your NRC number without slashes as the Reference.
- Step 8: Enter your Airtel Money PIN to confirm.
💡 Tip: Airtel Money charges a transaction fee of K2.50 for this payment. Make sure your account has that extra amount available before you start.
How to Repay Zamcash Loan Using MTN Mobile Money
Repaying your loan through MTN Mobile Money is fast and reliable. Therefore, if you are on MTN, there is no need to switch providers, you can pay right from your phone. As with Airtel, you can also use a different MTN account. Simply include your NRC as the reference so the payment can be identified.
Steps to Repay via MTN Mobile Money
USSD Code: Dial *115# on your MTN line.
- Step 1: Dial *115# on your MTN line.
- Step 2: Select Option 3 — Pay Bill.
- Step 3: Select Option 8 — Retail Payment.
- Step 4: Type zam as the Merchant Code and press OK.
- Step 5: Enter the repayment amount in Kwacha.
- Step 6: Enter your NRC number without slashes as the Reference.
- Step 7: Enter your MTN Mobile Money PIN to confirm.
💡 Tip: MTN charges a transaction fee of K3.50 for this payment. Make sure your account balance covers the loan amount plus this charge.
How to Pay Zamcash Loan Using USSD Code
Both Airtel and MTN repayments use a USSD code process, no app or internet connection required. This makes repayment easy for anyone in Zambia, even in areas with low internet connectivity.
Next time you need to repay, simply dial *115# on either network, then follow the steps above for your provider. The whole process takes less than two minutes.
✅ Quick Reminder: The USSD repayment process is available 24/7. However, always confirm the latest steps on the official website at zamcash.co.zm in case any details change.
How to Pay Zamcash Loan via SMS
Currently, there is no dedicated SMS payment number advertised on the official website. Therefore, the recommended alternatives are mobile money (Airtel or MTN) and online payment.
However, if you need support or want to confirm your repayment, contact the customer service team directly:
- 📞 Phone: +260 776 435 588, +260 962 303 456, +260 962 307 480, or +260 962 099 742
- 📧 Email: [email protected]
- 🕐 Hours: 7:30 AM – 9:30 PM, Monday to Sunday
As a result, for the most reliable repayment options, use mobile money or the Zamcash website.
How to Pay Zamcash Loan Online
Paying online is the fastest method available. Payments via WebPay clear in just 5 minutes — much quicker than any other option.
Steps to Repay Online via Zamcash WebPay
- Step 1: Visit www.zamcash.com on your phone or computer.
- Step 2: Log in to your personal account using your mobile number.
- Step 3: Enter your mobile number and request a Verification Code.
- Step 4: Click Make Loan Payment in your account dashboard.
- Step 5: Select the repayment method and choose WebPay.
- Step 6: Enter the repayment amount.
- Step 7: Enter your personal Mobile PIN to authorise the payment.
- Step 8: Review the Repayment Result screen to confirm success.
✅ Best for: Anyone who wants instant confirmation and fast clearing. You can see your updated balance immediately after payment.
🔒 Security Note: Never share your login credentials with anyone. Zamcash and its agents will NEVER visit you in person to collect payments.
Common Mistakes When Repaying a Zamcash Loan
Many borrowers complete most of the process correctly, then trip up on one small detail. These are the most common mistakes to avoid.
1. Entering the Wrong NRC Reference
This is the most common error. If you leave the reference blank or enter the wrong NRC, your payment cannot be matched to your account. As a result, your loan may still show as unpaid even after the money leaves your wallet. Always double-check your NRC before confirming.
2. Forgetting to Include Transaction Fees
Airtel Money charges K2.50 and MTN charges K3.50 per transaction. If your mobile money balance only covers the loan amount exactly, the payment will fail. Therefore, always load a little extra before you dial.
3. Sending Less Than the Required Amount
A partial payment will not fully clear your loan. Interest may continue to accrue on the remaining balance. If you cannot repay the full amount, contact Zamcash first on +260 776 435 588 before making a partial payment.
4. Using the Wrong Merchant Code or Name
On Airtel, the merchant code is 1 and the business name is zam. On MTN, the merchant code is zam. Entering anything else sends your money to the wrong recipient, and recovering it is difficult. Take an extra second to confirm before pressing OK.
5. Not Saving Your Payment Confirmation
Always screenshot or write down your transaction reference number immediately after payment. If a dispute arises later, this is your only proof. Do not skip this step.
⚠️ If something goes wrong: Call Zamcash immediately on +260 776 435 588 or +260 962 303 456 (7:30 AM – 9:30 PM daily). The sooner you report an issue, the easier it is to resolve.
Zamcash Loan Repayment Methods (Quick Comparison)
| Method | Steps | Best For |
|---|---|---|
| Airtel Money | Dial *115# → Make Payment → Goods & Services → Merchant: 1, Name: zam → Amount → NRC ref → PIN | Airtel subscribers. No internet needed. Fee: K2.50 |
| MTN Mobile Money | Dial *115# → Pay Bill → Retail Payment → Merchant: zam → Amount → NRC ref → PIN | MTN subscribers. No internet needed. Fee: K3.50 |
| WebPay (Online) | Go to zamcash.com → Log in → Make Loan Payment → WebPay → Amount → Mobile PIN → Confirm | Fastest clearing (5 min). Best for those with internet access. |
| Phone Support | Call +260 776 435 588, +260 962 303 456, +260 962 307 480, or +260 962 099 742 (7:30 AM – 9:30 PM daily) | For issues or queries about your repayment |
Frequently Asked Questions About How to Repay Zamcash Loans
Can I repay my Zamcash loan using someone else’s mobile money account?
Yes, you can. Both Airtel and MTN allow you to pay from a different account. However, you must enter your own NRC number (without slashes) in the reference field. This is how your payment gets matched to your loan.
What happens if I pay the wrong amount?
Contact Zamcash customer support immediately on +260 776 435 588, +260 962 303 456, +260 962 307 480, or +260 962 099 742. They are available from 7:30 AM to 9:30 PM every day. Additionally, keep your payment confirmation or screenshot as proof.
How long does a mobile money payment take to reflect?
Mobile money payments via Airtel or MTN typically reflect within a few minutes. Online WebPay payments clear the fastest, usually within 5 minutes. As a result, WebPay is the best option if you need quick confirmation.
What is the USSD code for Zamcash repayment?
There is no single Zamcash-specific USSD code. Instead, dial *115# on either Airtel or MTN, then navigate to the payment menu using the steps in this guide. Always verify the latest steps on the official website.
Does Zamcash send someone to collect payments in person?
No. Zamcash and its authorised agents will never visit you in person to collect payments. All repayments go through mobile money or online. Therefore, if someone claims to collect on behalf of Zamcash in person, do not pay them and report it immediately.
Ready to Repay Your Zamcash Loan?
Repaying a Zamcash loan is straightforward once you know the steps. Whether you choose Airtel Money, MTN Mobile Money, or WebPay online, the process takes just a few minutes. Most importantly, always include your NRC number as the payment reference, it is the one step that ensures your payment is correctly credited.
If you ever run into a problem, do not guess. Call Zamcash on +260 776 435 588 or visit zamcash.co.zm for accurate, up-to-date information.
Disclaimer: This article is for informational purposes only. It is not financial advice. Repayment steps, transaction fees, and USSD options may change over time. Always verify current details at zamcash.co.zm or by calling Zamcash directly before making any payment.
🎯 Ready to repay? Visit ZAMCASH now to log in and clear your loan today.
Related Posts:
