Download the Mirakash app and enter your mobile number. You’ll receive a verification code to confirm your identity.
Can I register more than one account?
Each mobile number can only be linked to one account to ensure fair lending and accurate records.
I didn’t receive my verification code. What should I do?
Check your network connection and confirm your number is correct. Tap “Resend Code” in the app. If the issue continues, contact our support team at client_support@mirakashlend.com.
Can I update my mobile number after registration?
Yes, you can update your number in the app settings. The new number will need to be verified to ensure account security.
Which devices support the Mirakash app?
The app supports most Android devices. iOS support may be added in the future.
Loan Application
Who is eligible to apply for a loan?
You must be at least 18 years old, a resident of Zambia, have a valid ID, an active mobile number, and a bank account or mobile wallet to receive funds.
How much can I borrow on my first loan?
First-time borrowers are granted smaller loan amounts. As you build a positive borrowing record, higher limits become available.
Can I apply for multiple loans at the same time?
No, you must fully repay any existing loans before applying for a new one.
What information is required for a loan application?
Basic personal details, your ID, mobile number, proof of income, and your preferred repayment method (mobile money or bank transfer).
How long does it take to get loan approval?
Most applications are reviewed within minutes. You’ll receive an SMS or in-app notification once approved.
Do I need collateral to get a loan?
No collateral is required. Our loans are unsecured and based on your eligibility and repayment capacity.
Repayment & Fees
How do I repay my loan?
Repay via your linked mobile money account or bank transfer according to the repayment schedule. The app shows due dates and amounts.
Can I repay my loan earlier than scheduled?
Yes. Early repayment is encouraged and helps maintain a positive borrowing record. No extra fees are charged for early repayment.
Are there any hidden fees or charges?
No. All fees, interest rates, and repayment terms are fully transparent in your loan agreement.
What interest rates apply to Mirakash loans?
Interest rates vary depending on your loan amount, repayment term, and borrowing history. All rates are clearly displayed in the app before you confirm your loan.
What happens if I miss a repayment?
Late repayment may incur a fee. Repeated defaults can affect your eligibility for future loans. Contact support immediately if you face difficulties.
Can I change my repayment schedule?
Schedules are generally fixed at approval. In special cases, contact support to discuss adjustments.
Security & Support
How does Mirakash protect my personal data?
All user data is encrypted using bank-level security protocols and strict internal policies.
How secure is the app?
The app uses advanced encryption and secure servers. Continuous monitoring ensures data protection.
How do I contact customer support?
Reach our team at client_support@mirakashlend.com.
