Salary-linked credit with transparent Kwacha repayments.
Nexus Credit lends to public-service employees, defence and police personnel, and staff of approved private employers. We check affordability against your verified net pay, show the full cost of the facility in writing, and disburse to your bank account or mobile money wallet once the agreement is signed.
- Amounts
- ZMW 2,000 – 250,000
- Tenure
- 1 – 36 months
- Indicative rate
- From 3.2% / month
- Disbursement
- Within 24 hours
No collateral required for qualifying payroll customers.
Repayment, interest and total cost quoted in Zambian Kwacha before you sign.
Deduction at source available for approved payroll employers.
Early settlement permitted with interest charged only for the months used.
Who we lend to
Personal credit is designed around stable, verifiable monthly income. We assess your net pay after statutory deductions and existing loan obligations so that your Nexus instalment leaves you enough to live on.
- Civil servants and PMEC payroll employees confirmed in service.
- Zambia Defence Force, police and correctional service personnel.
- Permanent or contract employees of approved private companies.
- Professionals with at least six months of consistent salary credits.
What you can use it for
There is no restriction on lawful use, but most of our personal borrowers are managing school fees, medical costs, funeral and family obligations, home improvement, farming inputs at the start of the season, or consolidating a more expensive debt into one scheduled instalment.
Documents to have ready
- Valid Zambian NRC (both sides, clearly readable).
- Latest three payslips, or three months of bank statements.
- Proof of residence such as a utility bill or tenancy letter.
- Bank account or registered mobile money details in your own name.
- Employer confirmation letter where deduction at source is requested.
- Next-of-kin contact details for the loan file.
How we price a personal facility
Interest is quoted as a monthly rate on the principal advanced. Your final rate depends on the product, your tenure, employer category and credit history. Where a statutory or administration charge applies, it is listed separately in the offer letter — we do not add unlisted deductions after disbursement.
Late repayment attracts the default charge stated in your agreement and may be reported to a credit reference bureau. If your circumstances change, contact a loan officer before the due date; restructuring is far cheaper than default.
Indicative personal credit terms
Indicative figures in Zambian Kwacha. Your final rate and limit depend on affordability, security and credit assessment.
| Facility | Amount | Tenure | Indicative rate |
|---|---|---|---|
| Personal / salary advance | ZMW 2,000 – 100,000 | 1 – 12 months | 4.5% per month |
| Civil servant payroll loan | ZMW 5,000 – 250,000 | 3 – 36 months | 3.2% per month |
| Emergency top-up (existing clients) | ZMW 2,000 – 30,000 | 1 – 6 months | 4.5% per month |
Frequently asked questions
Ready to see your repayment?
Use the calculator to model your instalment in Zambian Kwacha, then apply in about three minutes and track the file in the applicant portal.
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.
