PremierCredit Zambia review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
PremierCredit Zambia offers a buyback guarantee and a secondary market, with a target return of up to 36% against a site median of 10%. It suits investors who want Zambian lending exposure and can meet the ZMW 500 minimum, well above the €25 median across the site.
Key facts
- Best for
- Zambian peer-to-peer lending with a buyback guarantee and a secondary market.
- Target return
- up to 36% (Source, checked September 26, 2026)
- Minimum investment
- ZMW 500 (Source, checked September 26, 2026)
- Buyback guarantee
- Yes (Source, checked September 26, 2026)
- Secondary market
- Yes (Source, checked September 26, 2026)
- Regulators
- Patents and Companies Registration Agency (PACRA), Ministry of Finance (Zambia), under the Money Lenders Act, Financial Services Commission (FSC) (Source, checked September 26, 2026)
- Legal entity
- PremierCredit Zambia Limited (Source, checked September 26, 2026)
- Headquarters
- Mauritius (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- premiercredit.co.zm
Apps and profiles
- Get the app
- Google PlayGoogle Play
Pros and cons
Pros
- A buyback guarantee, which only 22.7% of the platforms on the site offer
- A secondary market, present on 55.6% of the site, so bought loans can be passed on
- Target return of up to 36% against a site median of 10%
- Support covers email, phone and help centre, which is more than a help centre alone
Cons
- The ZMW 500 minimum investment is far above the €25 median across the site
- Support runs on email, phone and help centre, with live chat not among the listed routes
- The head office sits in MU while registration and lending sit in Zambia, and 120190002254 is the only licence number given
Who it suits
- Investors who want Zambian lending exposure and can fund ZMW 500 as a starting commitment
- Lenders who put a buyback guarantee and a secondary market above a small entry amount
- Readers who check registers first: the platform is listed with Patents and Companies Registration Agency (PACRA), Ministry of Finance (Zambia), under the Money Lenders Act and Financial Services Commission (FSC) and registered under 120190002254
Who should look elsewhere
- Mintos, whose 9.2% target return suits readers who want a lower headline than up to 36%
- Nectaro, where 10% to 14% is a stated band, for readers who prefer a defined range to the figure here
- Afluenta, whose 197.6% is the widest claim in the set, if the headline number is the draw
Safety and regulation
Regulatory oversight runs through Patents and Companies Registration Agency (PACRA), Ministry of Finance (Zambia), under the Money Lenders Act and Financial Services Commission (FSC), so readers can see which registers answer for the platform. The buyback guarantee is offered, and that is the mark of difference against the 77.3% of the platforms here that skip it. The company registration number, 120190002254, gives readers another line of check alongside the listed regulators.
Who runs it
The operator is PremierCredit Zambia Limited, registered in Zambia under 120190002254, with its head office in Mauritius. Support runs on email, phone and help centre. The registration and the head office sit in different countries, so readers weighing trust should read the company register and the regulatory entries before committing funds.
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Where PremierCredit Zambia is available
- Available
- Mauritius, Zambia
- Licence in Zambia
- Patents and Companies Registration Agency (PACRA) (120190002254), checked September 26, 2026
- Licence in Zambia
- Ministry of Finance (Zambia), under the Money Lenders Act, checked September 26, 2026
- Licence in Mauritius
- Financial Services Commission (FSC), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the smallest amount I can invest?+
The minimum investment is ZMW 500, well above the €25 median across the site. Investors used to placing smaller amounts in peer-to-peer lending will notice the gap and should plan a larger first commitment before signing up.
What return should I expect?+
The stated target return is up to 36%, ahead of the 10% site median. Target figures on lending platforms are headline numbers rather than promised payouts, and 70.15% of retail investors on the site lose money, so the claim is worth reading with care.
Is my money protected if a borrower does not repay?+
A buyback guarantee is offered, which is the clearest safety feature here and unusual on lending platforms, since 77.3% of the platforms on the site skip one. The guarantee reduces what you carry on a default, though it is a contractual promise from the platform rather than a deposit protection scheme.
Who regulates PremierCredit Zambia?+
The listed regulators are Patents and Companies Registration Agency (PACRA), Ministry of Finance (Zambia), under the Money Lenders Act and Financial Services Commission (FSC). The company is registered in Zambia under 120190002254, with the head office in Mauritius. Checking the company register and the relevant regulator is the practical step before committing funds.
Can I sell a loan before it is repaid?+
A secondary market is offered, so a bought loan can be passed on rather than held to the end. 55.6% of the platforms on the site offer the same, which makes it a common feature rather than a rare one. Buyers set their own price, so an exit is possible but never certain.
How do I get help when something goes wrong?+
Support runs on email, phone and help centre, which covers the routes most investors here expect. The listed set does not include live chat, and with 84.6% of the site leaning on a help centre, written answers are the main channel. Phone and email are there for anything urgent.
How does it compare with the other lending platforms here?+
The headline target return of up to 36% is above 10% to 14% at Nectaro and 9.2% at Mintos, while 197.6% at Afluenta is the outlier in the set. The ZMW 500 minimum investment is the more practical difference for most readers.
Sources
- premiercredit.co.zm/about-us checked September 26, 2026
Backs: Headquarters
“Our headquarters are in the business and cross-border investment hub for Africa, Mauritius.”
- premiercredit.co.zm/faqs checked September 26, 2026
Backs: Support channels
“you can send your complaint by e-mail to customercare@premiercredit.co.zm or by post to Customer Support, PCZL at P.O. Box 31159, Lusaka”
- premiercredit.co.zm/invest checked September 26, 2026
Backs: Minimum investment, Target return
“Invest with ease starting from K500 via mobile money, card payments, or electronic bank transfers.”
- premiercredit.co.zm/terms-conditions checked September 26, 2026
Backs: Buyback guarantee, Legal entity, Regulators, Secondary market, Licences
“if a loan is delinquent for more than 60 days, PremierCredit will buy back the investment at nominal value plus accrued interest”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
PremierCredit Zambia
Zambian peer-to-peer lending with a buyback guarantee and a secondary market.