Dottra Get the app

How it works

How Dottra works, step by step.

Setup takes a few minutes in the app, and reviews usually take one to two working days. After that, each draw takes seconds.

  1. Download the app and create an account

    Install Dottra from Google Play, sign up with your email address and phone number, and verify both with a one-time code. You'll set a PIN, and you can add fingerprint approval if your phone supports it.

  2. Tell us how you are paid

    Choose whether you're salaried or a government-sponsored student. Salaried customers add employer details and net pay. Students choose their university and add their student number.

  3. Verify your identity and income

    Take photos of your NRC (front and back) and a selfie in the app. Salaried customers upload a recent payslip; students upload a student ID and their sponsorship document. Reviews usually take one to two working days.

  4. Get your credit limit

    Once your documents are approved, we review affordability and set your limit. As a guide, limits go up to K3,000 for salaried customers and K400 for students, but yours may be lower, and not every application is approved.

  5. Draw when you need to

    Choose Draw, enter any amount from K10 up to your available credit, and check the review screen: the amount added to your balance, the 5% processing fee, and what you'll receive. Confirm with your PIN or fingerprint. The money is usually on your mobile money within seconds.

  6. Pay back any time

    Choose Pay, pick an amount (at least K10, or the full balance if less) and approve the mobile money prompt on your phone. Your available credit goes up as you pay back what you drew.

  7. Get your monthly statement

    At the end of each month in which you owed something, you get a statement with your draws, payments, the monthly charge and the amount due. It's due 7 days after the statement date.

What you need before you start

  • A valid Zambian NRC.
  • An Android phone with a camera.
  • A mobile money wallet (MTN, Airtel or Zamtel) registered in your own name.
  • A recent payslip if you're employed, or your student ID and sponsorship document if you're a student.

If something goes wrong

If a document is rejected, the app tells you which one and why, and you can upload it again. If a draw doesn't go through, nothing is added to your balance. If you need help at any step, use support in the app or email [email protected].

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