Our registration, pricing and lending commitments in the open.

Nexus Financial Services Limited is a company registered with the Patents and Companies Registration Agency (PACRA) of Zambia under registration number 320020105522, trading digitally as Nexus Credit.

Certificates are displayed at our office and provided on request before signing. Always confirm the registration details independently.

Rates shown on this website are indicative monthly rates used to estimate repayments. Your final rate depends on product, tenure, security and credit assessment.

Before signing, you receive a written schedule showing the principal, interest, all charges, the total amount repayable and each instalment date. All figures are in Zambian Kwacha (ZMW).

We lend only where repayments are affordable against verified net income, taking existing obligations into account. We may decline or reduce an amount on affordability grounds.

Borrowing beyond your means carries real consequences including default charges, adverse credit reporting and enforcement against pledged security.

For vehicle title facilities you keep and drive your vehicle while the logbook interest is registered. For property facilities, security is registered over titled property only.

Enforcement follows written notice and the cure period set out in your agreement, in line with Zambian law.

Nexus Credit never requests advance processing fees, never asks for your mobile money PIN or one-time passwords, and communicates only through official published channels.

Verify any number claiming to be Nexus Credit against the contact details published on this website before sending documents or money.

Documents submitted to the AI document check are processed solely to summarise the file and flag missing or inconsistent details. Final credit decisions are made by a human loan officer.