Get started with your loan application in under 5 minutes.

Powered by Zent Loans
Powered by Zent Loans

We Are Zent.

At Zent, we believe that accessing financial support should be simple, fast, and stress-free.

We’re not a lender. We’re a smart, secure online platform designed to help Australians connect with potential lenders who may be able to assist with personal loans.

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What We Do

Zent works by taking your loan request and matching it with a lender from our trusted network who suits your profile and needs. We’ve built our process to be seamless, digital, and lightning-quick with no queues, no paperwork, and no confusion.

Effortless Process:

Apply online in minutes from any device.

Smart Matching:

We connect you with lenders who may say yes.

Secure & Confidential:

Your data is protected with high-level encryption.

Fully Online:

No phone calls, no appointments. Just fast, digital convenience.

Our Customer Promise

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Check your rate and repayments

You can get a conditional loan offer in just minutes without impacting your credit score!

Submit your application

Review your loan offer, accept it, and you’ll get an approval outcome typically within 60 minutes.

Same-day funding

Once approved, we’ll transfer the money to your bank account immediately, even on weekends.

Loans, Loans....

Lorem Ipsum is simply dummy text of the printing and typesetting industry.Lorem Ipsum is simply dummy text of the printing and typesetting industry.Lorem Ipsum is simply dummy text of the printing and typesetting industry.

Check your rate and repayments

You can get a conditional loan offer in just minutes without impacting your credit score!

Submit your application

Review your loan offer, accept it, and you’ll get an approval outcome typically within 60 minutes.

Same-day funding

Once approved, we’ll transfer the money to your bank account immediately, even on weekends.

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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

$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.

$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.

$300 - $2,000

The costs outlined below are regulated fees under the National Consumer Credit Protection Act. The maximum loan term is 12 months. Representative example based on a loan of $1,000 over 3 months, the total repayable amount is $1,440 - the cost of credit is $440. 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.

Need help?

[email protected]

Support Email

The amount you can request typically ranges from $2,100 to $15,000, but the final offer depends on the lender you're matched with and your financial profile.

No, simply submitting your request through Zent won’t impact your credit score. However, if you're connected with a lender and move forward with an application, they may perform a credit check.

Some lenders in our network may consider applicants receiving government benefits. Each lender has their own eligibility criteria, so we can’t guarantee approval.

While we do our best to find a match for everyone, sometimes no suitable lender is available based on your details. If that happens, you’re welcome to try again later.