How it works

Explore the innovative technology behind Australia's newest and most efficient lender-finder. We believe in simplicity, and our approach proves it. Find out what sets us apart and how our AI-driven platform works to bring you the best loan options effortlessly.

Apply online, it’s simple and easy - takes less than 5 minutes

Submit an application via our 100% online application. This could take you as little as 5 minutes1 to complete. Most applicants have an outcome from their application within 60 minutes2

Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

Manage your account effortlessly online, from anywhere

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

Factor In Costs

You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

SMALL LOANS

$300 - $2,000

  • 16 days (minimum)
  • 12 months (maximum)
  • 20% upfront establishment fee
  • 4% monthly fee
Apply Now

MEDIUM LOANS

$2,100 - $4,600

  • 12 days (minimum)
  • 24 months (maximum)
  • 47.8% Annual Percentage Rate (APR)
  • 65.85% Comparison Rate p.a.
Apply Now

PERSONAL LOANS

$5,000 - $15,000

  • 12 days (minimum)
  • 24 months (maximum)
  • 47.8% Annual Percentage Rate (APR)
  • 47.8% Comparison Rate p.a.
Apply Now
This is an estimate only and the comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit.The maximum interest rate for a Personal Loan is 47.8%. Comparison Rate 47.8% p.a. The maximum loan term is 24 months. Representative example based on a loan of $10,000 over 36 months a borrower can expect to pay a total of $18,995.04. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Credit criteria and terms and conditions apply.

Who can apply?

Check off these four requirements

  • Be Over 18 Years Old
  • Be an Australian Citizen or Permanent Resident
  • Receive a Regular Income for at Least 3 Months
  • Have an Active Mobile Number and Email Address
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Repayment Calculator

Calculate how much you’ll be repaying.

Let’s Calculate
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Eligibility Checker

Check if you qualify to apply.

Check Eligibility
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Ask away.

Transparency is at the heart of Zent’s business and we don’t believe in silly questions.

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How do I apply?

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Simply, complete our application in minutes. That’s it.

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What happens to my data?

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Rest assured, Zent is officially certified by McAfee and Comodo.

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What happens to my data?

11:01 AM

Rest assured, Zent is officially certified by McAfee and Comodo.

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What big idea can we help you with?

I want borrow I want to Invest
Copyright © 2022 www.ZENT.com.au Zent PTY LTD, ABN 76 632 780 655. Credit Representative Number : 517193. Zent PTY LTD is a credit representative of LeadPal Pty Ltd (ABN 15 625 489 161), Australian Credit License 507797. We are a referral service only and we do not recommend a particular credit contract or specific credit contract. We work with multiple lending partners. Once you have been referred to a lending partner, they will assess your new application, provide you with a credit contract that they have assessed is not unsuitable for you and contact you with regards to the outcome of the application. The lender will appraise you of their fees, charges and terms before you would enter any contract with them. We may receive a referral fee (amount not ascertainable but may range from $5 to $2000). It is recommended that you obtain independent legal and financial advice before taking up any financial products. *Rates and loan terms on this website are indicative only. We work with lending partners that can process within 60 minutes, not all lending partners process within 60 minutes. We work with lending partners that payout loans as soon as your contract is signed, not all lending partners payout loans as soon as your contract is signed. When you receive your funds will depend on the financial institution that you bank with. We do not conduct a credit check. Lending partners that we work with may perform a credit check. A lender will never perform a credit check without your consent. Disclaimer: Most Outcomes Within 60 Mins* * As advertised - loan application will be referred to participating lenders instantly and it is anticipated you will hear from a matched lender within 60 minutes. Disclaimer: Cash Loans Paid In 60 Minutes* * As advertised - ZENT.com.au is not a lender or broker and does not advise or recommend any lender. We simply provide options based on the information you provide. Once you are approved by an actual lender, your loan may be transferred straight into your bank account within 60 minutes of signing the contract during standard banking hours. The same transfer times could apply on second and subsequent approved loans. For loan amounts over $3,000 it usually takes longer than 60 minutes.