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Find your loan match fast

Quick cash loans in minutes with Zent

Apply in minutes—personal loans up to $15k, car loans up to $100k, fast outcomes.

Personal Loan Car Loan

I want to borrow

Getting your loan is as easy as it gets

Our application process is fast, secure, and totally transparent. No confusing paperwork. No hidden fees. Just a simple, straightforward experience, built for real life.

Easy applications with fast outcomes

Quick application and fast outcomes, most users see results in minutes.*
*Processing schedules may affect timing.

Quick to Start, Easy to Finish

Our streamlined online form is built for speed. No paperwork. No queues. Just straight-up convenience. Most applicants hear back within 60 minutes.*
*Processing times may vary depending on the lender.

Apply Anytime, From Anywhere

Zent’s platform is 100% online and available 24/7 meaning you can apply for a loan whenever you want to.
No matter the time of day or night, submit your details in a few minutes, we’ll find you a lender that may be able to help.

Why Choose Zent

Aussie Owned

Built right here in Australia for all Australians. Local team, genuine Aussie support, ready to help.

AI-Driven Match

Smart tech pairs you with lenders that fit your needs. Real-time analysis, tailored loan options.

Fast Outcomes

One form, loan match in minutes* *Timing may vary with lender review and eligibility criteria.

Zent AI, powered by the MAMA AI engine

Zent AI securely grabs an encrypted, read-only snapshot of your latest bank data, analyses it in seconds, and cross-checks our licensed lender panel to pinpoint a potential match. If your profile aligns with a lender’s criteria, you’re redirected straight to their application. One form does it all—no need to re-apply elsewhere. Matches aren’t guaranteed and final approval is always up to the lender.

How to apply

Apply now and discover a smarter, faster path to the funds you need.

Apply Online

Fill out our straightforward form in minutes.

Get Matched

Zent AI may find suitable lenders for you.

Connect & Borrow

If matched, a lender will contact you with the next steps.

Before you begin, make sure you:

Contact

Have a valid email and mobile number.

Income

Have proof of income for the past 3 months.

Residency

Hold Australian citizenship or permanent residency.

Age

Are at least 18 years old.

Secure transfer

256-bit SSL encryption protects your data in transit.

Read-only access

We pull a view-only copy of your bank statements, nothing more.

No credential storage

Your logins and passwords are never stored or shared.

Zent Products

Trusted loan options

Personal Loans

Flexible funds to cover life’s everyday needs.

Bad Credit Loans

Supportive options if your credit history isn’t perfect.

Small Loans

Smaller amounts for quick, manageable expenses.

Cash Loans

Fast access to money when you need it most.

Emergency Loans

Quick help during urgent or unexpected situations.

Payday Loan Alternatives

Faster, smarter alternatives to payday loans.

Secured Personal Loans

Borrow with confidence using your car as security.

Renovation Loans

Finance your next home update or improvement project.

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

Personal Loans $5,000 - $15,000

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.

Medium Loans $2,100 - $4,600

The maximum interest rate for a Medium Amount Credit Contract is 47.8%. Comparison Rate 65.85% p.a. The maximum loan term is 24 months. Representative example based on a loan of $2500 over 24 months a borrower can expect to pay a total of $4,556.88. 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.

Small Loans $300 - $2,000

Disclaimer: Under the current legislation, all Small Amount Credit Contract loan providers don’t charge an annual interest rate. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The minimum loan term is 16 days and maximum loan term is 12 months. Representative example based on a loan of $1000 over 6 months a borrower can expect to pay a total of $1440.