Cash today.
A bigger limit
every time you repay.
Borrow from K100, straight to your mobile money. Pay back on time and your limit climbs all the way to K1,000. All you need is your email to start.
Available to borrow
K500
Recent
Repayment
Airtel Money
Loan disbursed
To Airtel Money
Three steps. One coffee break.
Start with your email
Pop in your email and we send a short code to confirm it is you. No forms to fill, no queues to stand in.
Get your limit
Share a few details once. We set your starting limit and send the cash straight to your mobile money wallet.
Repay and grow
Pay back on time and your limit climbs on its own. Next time you can borrow more, with nothing to reapply for.
Every loan you clear lifts you higher.
Start on the bottom step and climb. No new application, no waiting. Clear a loan on time and the next limit unlocks on its own.
Straight to your mobile money.
Your PicoCard is a virtual card that lives in the app — this is where your limit sits and where your money stays. Cash out to Airtel Money, MTN MoMo or Zamtel Kwacha whenever you need it.
- No bank account and no payslip needed
- Cash lands in your wallet within minutes
- Pay back the same way, at your own pace
picofinance
PicoCard
5412 •••• •••• 3714
Available limit
K1,000
Chishimba M.
Borrow from your future self.
Repaying isn't a bill — it's a deposit. You return it with a little interest, and that balance matures right back into your card. A quiet habit of discipline that pays you back.
Simple rules, clearly in your favour.
Swipe or tap the arrows to see every rule
Good to know.
Your next loan is a few taps away.
Start with your email. Get your limit. Grow it every time you pay back.
Get started