Fast, Flexible Credit Tailored for Zambian Ambition.
Empowering civil servants, private professionals, and growing SMEs with instant approvals, transparent rates, and zero hidden fees.
Live indicative estimate
K 5,292
per month on K 25,000 over 6 months
Calculate your monthly repayment.
Adjust your amount, tenure, and loan category to see an indicative ZMW repayment before applying.
Monthly from
K 5,292
Short-term liquidity for salaried professionals with clear repayment visibility.
Estimated monthly repayment
K 5,292
Principal
K 25,000
Interest
K 6,750
Total cost
K 31,750
Indicative rate
4.5% / month
This is an indicative estimate in Zambian Kwacha (ZMW). Final pricing depends on verification, affordability, and approved terms.
Credit products built around real Zambian cashflow.
Personal & Payroll Loans
Tailored for public sector teams, PMEC / Civil Service, Defence, and approved private-sector corporates.
From 24h
approval window
From estimate to review ticket in one guided flow.
The application wizard captures essential identity, income, loan purpose, and document readiness before generating a reference.
Personal Details
Full legal name, NRC, phone, WhatsApp, and email.
Income Status
Civil servant, private employee, registered SME, or self-employed.
Loan Details
Selected amount, tenure, and purpose of loan.
Verification
NRC plus latest payslips or bank statement preview.
Rapid Payout
Funds can be sent to Airtel Money, MTN Mobile Money, or a bank account within 24 hours.
Transparent Fees
Clear estimates, direct terms, and no surprise deductions or hidden ledger fees.
Dedicated Loan Officers
Human support is available through call and WhatsApp throughout the application journey.
Credit Building
Punctual repayments can strengthen your borrowing profile and future capacity.
Know what to prepare before you apply.
Nexus Credit uses clear documentation checks to speed up affordability, verification, and approval decisions.
Trusted by professionals and growing businesses.
“The repayment estimate was clear before I applied, and my loan officer explained every fee before approval.”
M. Tembo
Primary school teacher · Lusaka
“Nexus Drive helped us unlock cashflow without parking our delivery vehicle. The inspection was quick and professional.”
R. Mwansa
Local logistics owner · Copperbelt
“The working capital line helped us restock before peak season, with a repayment plan our business could manage.”
C. Banda
Retail merchant · Central Province
Fraud Alert
Nexus Financial Services Limited will never ask for payment or advance upfront processing fees via personal phone numbers. Always verify through official channels.
Official WhatsApp support
+260 976 000 000 · Mon–Fri 08:00–17:00 · Sat 09:00–13:00 (CAT)
Messages sent now are answered on the next working day. Include your reference number.
Chat on WhatsAppNexus Financial Services Limited will never ask for payment or advance upfront processing fees via personal phone numbers. Always verify through official channels.
Already applied?
Open the applicant portal with your reference ticket and NRC number to see your status, outstanding requirements, and run an AI check on your documents.
Open applicant portal