Get started with your loan application in under 5 minutes.

Just fill out our online form — it’s quick and easy. Once we have your details, we’ll try to match you with a lender from our network. If we find a match, you’ll be redirected to the lender’s website to continue your application.

Nope. Using Zent is completely free. We don’t charge you to use our service or submit your loan request.

We help users connect with lenders offering various loans. Loan terms, amounts, and conditions will depend on the lender.

If approved by the lender, funds may be transferred to your account as soon as the same day. Processing times can vary depending on the lender and your bank.

Not necessarily. Some lenders in our network may consider applicants with less-than-perfect credit histories. Final decisions are made by the lender based on their own criteria.

Yes! Our application form is available 24/7. Lender responses typically happen during business hours, but you can apply anytime.

Absolutely. We take your privacy seriously and use high-level security measures to protect your personal data.

Quick cash loans are a type of personal loan designed to get funds to you fast. By streamlining the application process and handling the paperwork digitally, we can begin searching for a lender for you sooner. Loan amounts usually range from $300 to $15,000, depending on your eligibility and the lender’s criteria.

Small loans are fast cash loans, but of a smaller amount, typically ranging from $300 to $2000 and are usually unsecured.

While we cannot guarantee that a lender will not run a credit check on your loan application, we may be able to find lenders who look beyond just your credit score, and see if it is ideal to grant you a quick loan.

These are loans that require some equity, such as a car, motorbike, etc and are usually for amounts between $2100 to $15,000.

To be eligible for our lender-finding service, you need to:

• Be at least 18 years old
• Be an Australian citizen or permanent resident
• Have been receiving a regular income for at least 3 months
• Have an active mobile number and email address

Definitely. We can find lenders that offer loans for people on Centrelink as well as those with bad credit. We try to find lenders who look at the bigger picture, and not just one criteria.

You don't need any paperwork. Our online platform is easy to use, and we'll just ask for some details like your bank account details, MyGov info and personal contact details.

The lenders Zent helps you find need to access a read-only copy of your bank statements. Rest assured, your data is safe with us and your lender.

We do not, however the lenders we find may do so. We try to find lenders who look at the bigger picture, and not just one criteria, so don't let this stop you from applying.

If we are successful in finding you a lender, our wonderful collaboration will come to an end. After reviewing your new application, the lender will give you a credit contract that they believe is appropriate for you and get in touch with you to discuss the application's status. If you accept the loan offer and the loan amount is appropriate for your needs, they will send you a digital loan contract to sign, but you are not required to accept it. We cannot provide you advice on which credit contract is best for you or suggest a specific credit contract when we send you to the lender.

While this generally changes from lender to lender, typically a direct debit is set up with your bank account by your lender, making the process easy.

We match you with lenders who realise circumstances can shift. If you need to tweak your repayment plan, reach out to your lender. Most lenders ask for at least 24 hours’ notice before your next scheduled repayment to adjust upcoming payments.

If you face any issues with our service, do let us know. We value your suggestions and feedback. To let us know of any problems, you can write to us at [email protected]