Trusted financing solutions

Smart financing
for every goal

From personal needs to business growth — get the funds you need with competitive rates and flexible terms, all through your PayZome account.

Apply now Calculate my loan
Available balance
$24,850.00
+12.4% this month
Loan approved
$10,000 personal loan
Approved in 4 hours
$2.5B+
Funds disbursed
98%
Approval rate
24hrs
Average approval
Our products

Choose your loan type

Flexible options designed to fit your financial situation.

Popular

Personal loan

Cover any personal expense — medical bills, travel, home improvements, or debt consolidation.

From
3.9% APR
Up to
$50,000
Term
1–7 yrs
Apply now

Business loan

Fund your business growth, equipment, inventory, or working capital with tailored terms.

From
5.2% APR
Up to
$500K
Term
1–10 yrs
Apply now

Mortgage

Buy your dream home or refinance your existing mortgage with competitive long-term rates.

From
4.1% APR
Up to
$1.5M
Term
10–30 yrs
Apply now

Auto loan

Finance a new or used vehicle with fast approval and flexible monthly payment options.

From
2.9% APR
Up to
$100K
Term
1–7 yrs
Apply now
Loan calculator

Estimate your repayments

Adjust the sliders to see your estimated monthly payment instantly.

Loan amount $10,000
Interest rate 5.0%
Loan term 36 months
Loan type
Monthly payment
$299
Estimated repayment
$10,764
Total repayment
$764
Total interest
Apply now
How it works

Get funded in 4 steps

Simple, fast, and fully online.

1
Apply online

Fill out a quick application in minutes from any device.

2
Get approved

Receive a decision within 24 hours — usually faster.

3
Sign documents

Review and sign your loan agreement securely online.

4
Receive funds

Funds are deposited directly to your PayZome account.

FAQ

Common questions

Everything you need to know before applying.

What do I need to apply?
You need a valid PayZome account, proof of identity, and proof of income. Additional documents may be required depending on the loan type and amount.
How long does approval take?
Most applications are reviewed within 24 hours. Once approved and documents signed, funds are typically disbursed within 1–2 business days.
Can I repay early?
Yes. Early repayment is allowed on all loan types with no penalties. You'll only pay interest for the period you held the loan.
Will applying affect my credit score?
Our initial eligibility check is a soft inquiry and does not affect your credit score. A hard inquiry is only made once you proceed with a full application.
What are the interest rates?
Rates vary by loan type and your financial profile. Personal loans start from 3.9% APR, auto loans from 2.9% APR, business loans from 5.2% APR, and mortgages from 4.1% APR.

Ready to get started?

Apply in minutes and get a decision within 24 hours.

Apply now Talk to an advisor