Mwachangu is a reliable loan app in Zambia, providing quick and convenient online borrowing. With reasonable interest rates, flexible loan terms, and a secure platform, it offers a trustworthy and user-friendly experience.
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Welcome to Mwachangu – The reliable and secure instant loan service application for users in Zambia. With a fully online registration process and quick approval, you can easily request loans ranging from 100 to 5000 ZMW. The app is committed to safeguarding your personal information and ensuring that all transactions are conducted securely. Join Mwachangu App today to enjoy a seamless and convenient borrowing experience.

Benefits of using Mwachangu App

Users who utilize the Mwachangu app for online lending experience several advantages, as follows:

  • Users are spared the need to visit a bank for loan applications. The registration and information verification process on the app takes only a few minutes, ensuring a quick and convenient experience.
  • The interest rates offered are reasonable and not excessively high compared to other providers in the market. This ensures that the interest rates do not significantly burden the users’ finances when repaying the loan.
  • Mwachangu does not demand customers to pledge any assets. Instead, customers only need to provide some basic information and relevant document images.
  • Mwachangu offers various borrowing methods, such as salary-based loans, loans based on national ID cards, or driver’s licenses.
  • Mwachangu ensures the safety of customer data, guaranteeing that personal information and bank account details are not disclosed to any third party or used in any unauthorized manner.
  • The app is backed by a team of dedicated staff available 24/7, assisting customers with queries and providing swift and effective loan support.

With these benefits, Mwachangu has become one of the most favored and widely used loan apps in Zambia.

Loan Product Details

  • Loan Amount: From 100 to 5000 ZMW.
  • Loan Term: From 91 to 180 days.
  • Annual Interest Rate: From 19.45% to 31.29%.
  • Service Fee Rate: From 1% to 3%.

Example for Your Loan:

Suppose you successfully apply for a loan of 1000 ZMW with a repayment term of 90 days, an annual interest rate of 20%, and a service fee rate of 1%.

  • Your total final cost will be 1059.32 ZMW, including interest for 90 days (49.32 ZMW) and a service fee of 10 ZMW.

Loan Application Requirements

  1. Users must be Zambian citizens.
  2. Age must be between 20 and 65 years.
  3. Stable source of income.
  4. Must use a smartphone.

Steps to Apply for a Loan

Step 1: Download and install the Mwachangu APK/IOS from

Step 2: Open the app and create an account by providing requested personal information, including name, email address, and phone number.

Step 3: After creating the account, fill in basic information about yourself, such as full name, date of birth, address, and income details.

Step 4: Select the loan amount and repayment term that suit your needs.

Step 5: Submit your loan application and wait for the verification and approval process.

Step 6: Once your loan application is approved, the funds will be transferred to your account.

Note: Ensure that you meet the loan application requirements and carefully review the policies and terms before applying for a loan with Mwachangu.

Promotion Program for Users

Mwachangu’s user promotion program is designed to provide benefits and high value to its users. Below are some key points in the promotion program:

  • Mwachangu offers reasonable and competitive interest rates, helping to minimize costs for borrowers.
  • Service fee discounts are provided to help users save costs during the borrowing process.
  • Regularly organizing promotional events and giveaways to meet the financial needs of users in an attractive and diverse manner.
  • Mwachangu cares about the credit history of users and provides incentives to customers with a reliable borrowing history and on-time debt repayment.
  • Users can choose flexible borrowing periods to suit their personal financial needs.

Mwachangu’s promotion policy aims to bring satisfaction and trust to users, along with a reliable and convenient borrowing experience.

Contact Information for Mwachangu

To get in touch with Mwachangu, you can use the following information:

  • Website:
  • Email: [email protected]
  • Hotline: +260771398890
  • Office Address: 10101 Mumana Olympia Road, Plot No. 6616/A House No. 39, Lusaka, Zambia.
  • Working Hours: Monday to Saturday, 8:30 AM to 5:00 PM.

If you have any questions, inquiries, or need assistance regarding the use of the Mwachangu App or loan services, do not hesitate to contact them via email or visit their office directly. The customer care team will be happy to assist you promptly and professionally.

Does Mwachangu engage in user deception?

According to the information we have researched and experienced with Mwachangu, the application operates entirely within the legal framework and holds the necessary operating licenses from relevant authorities in Zambia. Mwachangu commits never to engage in fraudulent activities, deceit, asset misappropriation, or any actions that harm users’ rights. The contact information and office address are provided in the article. If Mwachangu engages in deception, users can file complaints or report the matter to the nearest government agencies.

Furthermore, Mwachangu App has strict and stringent user information privacy policies in place to ensure the safety and protection of users’ personal information. All user-related information, accounts, and transactions are encrypted and secured within Mwachangu’s system. Therefore, users can rest assured and trust in utilizing the services offered here.

The above information about Mwachangu has been thoroughly updated for everyone’s reference. If anyone has any questions or needs support, please reach out to us via Facebook, and we will respond promptly. We wish everyone success and good fortune.

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