Android app, Zambia

A credit facility you can draw from, pay back and use again.

For salaried workers and government-sponsored students. Draw any amount from K10 up to your available credit, receive it on mobile money, and pay back on your own schedule. You get one statement a month.

How it works

Limits are set after identity checks and an affordability review. Not everyone who applies is approved.

The Dottra app home screen showing available credit, the credit limit and recent activity.

How the facility works

What you pay back becomes available again.

01Get a credit limit
02Draw what you need
03Pay back any time
04Draw again

What it costs

Two charges, both shown in the app before you agree to anything.

5% processing fee per draw

Taken from the amount you draw, with a minimum of K1. Draw K500 and K475 reaches your mobile money wallet.

20% monthly charge on what you used

Worked out on your average daily balance for the month. Pay back early and the charge is smaller. If you owe nothing, there is no charge.

Nothing to join

No registration, membership or subscription fee. Having a limit you don't use costs nothing.

Full pricing and examples

Women selling beans, maize and household goods at an open market in Lusaka. — Photo: SuSanA Secretariat, CC BY 2.0, via Wikimedia Commons.

Who it is for

Income that arrives once a month. Costs that don't wait for it.

School fees, transport, a medical bill, stock for a side business. Plenty of people with steady income still get caught between paydays or between allowance payments.

Dottra is for those gaps. It is not meant for long-term borrowing, and it works best when you know what you'll use it for and when you'll pay it back.

Check whether you can apply

ProductWhat the facility is, and what it isn't Step by stepFrom signing up to your first statement QuestionsAnswers to the questions people ask most

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