Personal credit · Zambia

Credit with every number in plain sight.

Borrow from Thorium Credit and follow your loan from the first kwacha to the last: your balance, your due dates and your full statement, whenever you need them.

Two ways in

For customers

Your loan, on your phone

  • See what you owe and the date each payment is due
  • Get reminders 7 days and 3 days before, and on the day
  • Download your full statement as a PDF
View my loan account

First time here? Your loan officer sends you a sign-in link by WhatsApp. Open it once and choose a password.

For staff

The Thorium Credit workspace

  • Loan applications with signatures and supporting documents
  • Work assigned to you, and manager approval for loans and repayments
  • Reminders by WhatsApp and email, with the statement attached
  • Dashboards and profit, loss and late-repayment reports
Staff sign in

For Thorium Credit team members only.

How borrowing works

  1. Apply with a loan officerFill in the application, sign it, and hand over your NRC and Airtel Money statement.
  2. Get a decisionA manager reviews your application. Once approved, your loan gets its own loan ID.
  3. Stay ahead of due datesYou get a reminder 7 days before, 3 days before and on the day each payment is due.
  4. Repay and check your statementEvery repayment shows on your account and on your statement.