XtraCash Loans are quick loans made available in Zambia by Access Bank in Partnership with MTN Zambia. 

XTRACASH is an easy way for you to get a cash loan with a personalized limit that can grow up to ZMW 10,000 over time. The amount borrowed will be deposited in your MTN Mobile Money Wallet, and you can use it for any purpose.

You can access XtraCash with a few quick and  easy steps:

  • Dial *115#,  Select option 6 Kongola & Savings then choose XTRACASH
  • Accept XtraCash Terms and Conditions.
  • You can choose to take your personalized offer or define a lower amount.
  • Choose in how many days you will be able to pay it back.
  • Your MTN Mobile Money Wallet will then be instantly credited!

Repayment of your XtraCash loan is also easy:

  • Simply have enough funds in your MTN Mobile Money Wallet on the due date or alternatively access the XtraCash menu to repay.



  1. I have been geting money from you and paying on time at times even before time. now since my last payment i have been unable to get some money what could be the matter?


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