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Contact details

Talk to a real person

  • Email: info@zentoloans.com
  • Hours: Monday to Friday, 9 a.m. to 5 p.m. (ET)
  • Across Canada, friendly service in plain language
For a loan application, use the online form: it is the fastest path. The form on this page is for general questions.

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Rates & disclosures

Cost of borrowing, in full

Required information about our loans so you can make an informed decision, before you apply.

Maximum annual percentage rate (APR)

Our maximum annual interest rate is 19.99%. In the event of non-payment, the applicable rate on the overdue amount is 1.67% per month.

Repayment period

Loans are repayable over a minimum of 61 days and a maximum of 6 months. You can make a full or partial repayment at any time, with no penalty.

Representative example of total cost

Loan amount$500 CAD
Annual interest rate19.99%
Term90 days
Total repayable$524.65 CAD
Payments$174.88 / month, for 3 months

A $500 loan may be paired with optional services, which are entirely optional. Subscribing to these services is not required to obtain the loan and has no effect on the credit decision or loan terms. If you choose to opt in, optional service fees may apply and are payable bi-weekly over 6 installments, separately from loan principal and interest. Example: a payment of $145.59 bi-weekly, for a total of $873.54, including optional service fees. Optional services are provided by a separate entity, which sets its own fees independently of loan interest.

Borrow responsibly. While we offer a helpful option when you need it, our interest rate is higher than a local bank's. Use short-term loans only when no other option is available, and as rarely as possible. Taking on several short-term loans at the same time can lead to serious financial difficulty and excessive debt.