Release value from assets you already own — and keep using them.
Secured lending lets us advance larger amounts, over longer periods, at better rates than unsecured credit. Nexus Credit finances against motor vehicle logbooks, registered titled property and productive equipment. Security is valued transparently, registered properly, and released as soon as the facility is settled.
- Amounts
- ZMW 10,000 – 250,000
- Tenure
- 1 – 24 months
- Indicative rate
- From 4% / month
- Vehicle payout
- Same day possible
Nexus Drive: keep driving your vehicle while the logbook interest is registered.
Independent valuation explained to you before the offer is issued.
Property finance only against clean, registered title deeds.
Security discharged promptly in writing once the facility is repaid.
Nexus Drive — vehicle title loans
Bring your vehicle for a short inspection and hand over the white book. We advance a percentage of the assessed value, register our interest with the Road Transport and Safety Agency, and you continue to drive the vehicle throughout the facility.
The vehicle must be registered in your own name, be roadworthy, be insured for the period of the facility, and be free of any other registered financial interest.
- Typical advance: 40% – 60% of assessed market value.
- Vehicle stays with you; no yard storage.
- Comprehensive or third-party cover as specified in your offer.
- Logbook interest discharged within a set period after settlement.
Landed property and asset finance
For larger or longer facilities we lend against registered titled property. We require a copy of the certificate of title, a recent valuation from an accepted valuer, rates and ground rent clearance, and spousal or board consent where the law or the title requires it. Charges are registered at the Ministry of Lands.
Productive equipment — tractors, milling plant, generators, workshop machinery — can also serve as security where ownership is documented and the asset is insurable.
Valuation and how much you can borrow
We advance a conservative percentage of assessed value so that the facility can be recovered without distress pricing if repayment fails. You receive the valuation basis in writing and can ask a loan officer to walk you through how the figure was reached. If you disagree, you may commission a valuation from an accepted independent valuer at your own cost.
Default and enforcement — stated plainly
If you fall behind, we contact you first. Enforcement follows written notice and the cure period set out in your agreement, in line with Zambian law. Only after that period may we realise the security. Any surplus from a sale, after the outstanding balance and reasonable recovery costs, is returned to you.
Never pledge an asset you cannot afford to lose. If you are struggling, speak to a loan officer early — restructuring is almost always available before enforcement begins.
Indicative secured facilities
Indicative figures in Zambian Kwacha. Your final rate and limit depend on affordability, security and credit assessment.
| Security | Amount | Tenure | Indicative advance |
|---|---|---|---|
| Motor vehicle logbook (Nexus Drive) | ZMW 10,000 – 150,000 | 1 – 18 months | 40% – 60% of value |
| Titled landed property | ZMW 50,000 – 250,000 | 6 – 24 months | Up to 50% of value |
| Productive equipment & machinery | ZMW 20,000 – 200,000 | 3 – 24 months | 40% – 55% of value |
Frequently asked questions
Ready to see your repayment?
Model a secured facility with the Nexus Drive option in the calculator, then apply and a loan officer will arrange the inspection or valuation.
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.
