Frequently asked questions

No. Every amount you would pay is presented clearly, in writing, before you sign anything. If it's not in your contract, you will never pay it.

No, never. Our decision is based on the stability of your income, verified through Instant Bank Verification (IBV). Your credit score is neither consulted nor affected.

No. Applying is free, takes two minutes and commits you to nothing. You check your eligibility, you receive an offer, and you remain 100% free to accept or decline.

Yes. The bank verification is a read-only, encrypted process used by financial institutions across Canada. Your banking password stays between you and your bank, and your information is never sold.

Our personal loans go from $500 to $1,500: $500, $750, $1,000, $1,250 or $1,500. Choose the amount that matches your real need: a smaller amount is repaid faster and costs less.

Anyone 18 or older living in Canada who receives a regular paycheque from an employer (full-time or part-time) by direct deposit, into a bank account open for at least 3 months.

These income types are not compatible with the IBV analysis used to assess repayment ability. If your situation changes and you receive a regular paycheque from an employer, you can reapply.

The form takes about two minutes and tells you immediately whether you qualify. After the bank verification, the answer comes quickly, often the same day.

It is a secure system that generates a read-only summary of your bank transactions to confirm your income, without paper statements. Your banking credentials are never shared.

By direct deposit into the bank account where you receive your pay, once your loan is approved and the contract is signed electronically.

Yes. You can repay your loan at any time. The exact terms appear in your contract, presented clearly before signing.

Check your junk mail folder, then write to us at info@zentoloans.com if you still can't find anything. A real person will answer you.