What is express credit?

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Express Credit is a group of innovative consumers who lends the money. It was established in 2015 and operates in Botswana and Zambia. The local Botswana regulatory body and the Non-Bank Financial Institution Regulatory Authority licensed the Express Credit Propertiary Limited in January 2017. 

The other branch of ExpressCredit was established in Zambia. It takes the non-deposit license from the bank of Zambia from the governing regulatory body in 2016. The express credit has much pride in itself and its customer service also because they try their best to the personal approach of their clients through multiple branches and have sales offices in both countries.

They also opened more their branches in 2018. Express credit offers short-term loans and long-term loans to its customers. They take their loans back at the repayment dates from their salaries. Also, they offer installment loans to their employers from the Government. 

They have some ordinary agreements with some unions and institutions. All the repayments are directly debited from that person’s salary, who takes the loan.


The short-term loans are secured and are payable within 30 days. But the long-term loans are not secured, and they are also known as Express loans. The duration of long-term loans is 2 to 5 months. The loans are mostly used to get you out of trouble. 


To get the loan from Express credit, you must fulfill the following requirements:

  • You must be above 21 years old.
  • Must have an ID card. 
  • Must have the Bank statement for the last 3 months. 
  • You must be in employment with the Bank account. 

How to apply for a loan?

  • You can also apply for loans on the web by completing the application of creditos express online. You can see the details at prestamer.es/dinero-express.
  • Also, you can visit the nearest branch to your location for the loan. There you will work with a client officer. He will help you to complete your loan application. 
  • You can also call their agent to know about the details.  

How can you receive your funds?

If your loan application is approved, then your fund will be transferred to your bank account. 

What happens if you will not pay the loan on time?

If you do not pay the loan on time, then you will be charged with some extra costs. And you may face difficulties and expensive loans in the future when you try to get a loan. It may also give a harmful effect on your credit rating.

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