Next Loans Zambia (also known as Express Loans): Your Reliable Payday Loan Partner
Zambia is one of the countries in Africa that allow Fintech companies to thrive. With the biting economy, many Zambian people have embraced the use of online loans. That’s where Next Loans Zambia, also known as Express Loans, steps in to offer quick and reliable payday loans to eligible Zambians.
About Next Loans Zambia

Next Loans Zambia is a legit and licensed payday loan company that provides short-term financial support to individuals in need. The company is committed to serving Zambian citizens aged 21 years and above, offering loan amounts ranging from K200 up to K20,000, depending on eligibility and documentation.
Eligibility Criteria
To qualify for a loan from Next Loans Zambia, applicants must meet the following criteria:
- Be a Zambian citizen aged 21 or older
- Possess a valid National Registration Card (NRC) or Driving License
- Have an active bank account
- Have an active Mobile Money wallet account (MTN or Airtel)
- Be formally employed with verifiable income
Loan Application Process
Getting a loan from Next Loans Zambia is simple, fast, and convenient. There are three main ways to apply:
- USSD Code: Dial
*494*120#on your phone and follow the prompts. - Online Application: Visit the official website and complete the online application form.
- In-Person Visit: Visit any of the company’s nearest branches for face-to-face service.
Required Documents
To complete your application, ensure you upload or submit the following:
- A clear photo of your ID (NRC or Driver’s License)
- A stamped copy of your latest payslip
- A copy of your official employment letter
- Your last 3 months’ bank statement
Once your application is reviewed and approved, the funds will be directly deposited into your bank account.
Repayment Options
Repaying your loan is made easy through Mobile Money services:
- MTN Users: Use the business code
333400 - Airtel Users: Use the business name
EXPRESS
Make sure to repay your loan on time to maintain a good credit standing and remain eligible for future loans.
Customer Support
Should you encounter any issues or need assistance, Next Loans Zambia has a dedicated customer support team ready to help. Simply dial 3334 for assistance.
Conclusion
Next Loans Zambia (Express Loans) provides a safe, fast, and flexible financial solution for Zambians in need of short-term support. With multiple application channels and straightforward repayment methods, it stands out as one of the most accessible payday loan services in the country.
Whether it’s for an emergency or everyday financial gap, Next Loans Zambia is here to support you.
I’m requesting for my loan statement. My Nrc