Built for the timing gap
A steady salary or sponsorship does not make every month predictable. Transport, food, school costs, family commitments, and household bills can arrive before the next income cycle does.
Dottra was built for that timing gap. It gives eligible customers a reusable digital credit line they can manage from their phone, with the complete cost shown before every confirmation.
What makes the account reusable
Once verification and affordability review are complete, approved customers receive a credit limit. The app shows the amount currently available and the fixed credit packages that fit within it.
A completed draw reduces available credit. Once the scheduled repayment is successfully posted, that amount becomes available again, subject to the account remaining eligible. There is no need to complete a full application for every draw, although each transaction still passes current eligibility and availability checks.
Clarity before confirmation
The confirmation screen shows the selected amount, the Processing Fee, the amount sent to mobile money, the one-time Fixed Charge, the repayment date, and the total to repay.
Current packages run for 30 days. There is no registration, membership, or subscription fee. Current rates and complete package tables are published on the Dottra pricing page, while the figures shown in the app at confirmation remain the final terms for that draw.
Designed for Zambia
Dottra supports eligible salaried workers and government-sponsored students in Zambia. Verification, mobile-money delivery, and the registered bank mandate are handled as part of one connected account journey.
The app is now available on Google Play. We will continue improving account visibility, support, and the way customers understand every stage of their credit line.