A Zambian lender built for speed, clarity and fair dealing.
Nexus Financial Services Limited is a non-bank financial services institution incorporated in the Republic of Zambia and registered with the Patents and Companies Registration Agency under number 320020105522. We trade digitally as Nexus Credit, serving salaried professionals, civil servants and registered businesses with credit that is priced openly and explained in full before anything is signed.
- Registered name
- Nexus Financial Services Limited
- Trading as
- Nexus Credit
- PACRA number
- 320020105522
- All lending in
- Zambian Kwacha
Every quote shows the instalment, total interest and total repayable before you apply.
Decisions are made by named loan officers, not by an unaccountable algorithm.
Affordability is assessed against verified income and existing obligations.
Complaints have a written procedure, an owner and a response deadline.
Why we exist
Access to credit in Zambia is rarely limited by willingness to repay. It is limited by waiting, by paperwork that is never fully explained, and by pricing that only becomes clear after the money has been spent. Nexus Credit was built to remove those three obstacles: an estimate before you share personal details, an application that takes minutes, and an offer letter that states the full cost of credit in plain Kwacha figures.
What we do
- Personal and salary advance credit for employed professionals.
- Payroll lending for civil servants, defence and police personnel.
- Working capital, stock, invoice and contract finance for registered SMEs.
- Nexus Drive vehicle title loans against motor vehicle logbooks.
- Landed property and productive asset finance.
How we lend responsibly
We decline applications that we believe a borrower cannot service, even when security is offered. Affordability is assessed on verified net income or turnover after existing commitments, and where the requested amount fails that test we counter-offer and explain why.
Our charges are disclosed in writing before signing, our default terms are stated plainly, and we contact borrowers who fall behind before any enforcement step is taken. Restructuring is always the first conversation.
Data protection and technology
Applications, documents and communications are held on encrypted infrastructure and are accessible only to authorised Nexus Credit staff. Uploaded documents are screened automatically to flag missing pages and inconsistencies, which shortens verification — but every credit decision is taken by a human officer who records a written note on your file.
You can see that note, your current stage and your outstanding requirements at any time in the applicant portal using your reference ticket and NRC number.
Our commitments to every client
- No advance or upfront processing fee is ever requested before disbursement.
- No deduction appears on your account that was not listed in your offer letter.
- Your documents are used only to assess and administer your facility.
- Security held is discharged in writing once your facility is settled.
- Every complaint is acknowledged and answered within the published timeframe.
Ready to see your repayment?
Read our published Terms and Conditions, Privacy Policy and Complaint Procedure before you apply — we would rather you asked questions now than after signing.
Nexus Financial Services Limited will never ask for payment or advance upfront processing fees via personal phone numbers. Always verify through official channels. Nexus Financial Services Limited is registered with PACRA under number 320020105522.
