Create your account

We use these details to check who you are before your first loan. Your information stays private.

📷 Have your ID or driver's licence ready. This form needs 3 photos taken with your camera — its front, its back, and a selfie holding it — plus your next of kin. Without all of these the application cannot be sent.

First name(s) Surname Phone number ID number (as on your ID or driver's licence) Stand / house number Street or section Village / area Town / city Next of kin — name Next of kin — phone

🎁 Did somebody tell you about Mizamo? Put in their cellphone number — they earn 10% of your loan when you pay back. Real money for them, no cost to you. Use the number they are registered with, or leave it empty if nobody sent you.

Who referred you? Their full names (optional) Their cellphone number How will you pay us back? How do you get paid? Your bank (if you pay from a bank account) Account number or cellphone you will pay from

📷 My ID photos

Three clear photos, taken with your camera in good light: the front and the back of your ID or driver's licence, and a selfie holding it next to your face. The system checks that each one is readable.

ID or licence — front

All four corners in the frame, no glare, text readable.

ID or licence — back

Same for the back — flat, well lit.

Selfie holding your ID — so we can see it is really you

Your face and the ID together, front camera, good light — no hat or sunglasses.

Choose a PIN (4–6 digits) Type the PIN again I agree to the loan terms.

Fraud-prevention register: if an account is opened or used with false details, with another person's identity or documents, or is taken over, the identifiers used (ID number, phone numbers, account numbers, ID photos) may be recorded on a fraud-prevention register shared with other lenders, after notice to you. You may see and dispute any record about you. Your payment history is not shared.