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Zenith Bank Loans: List Of Available Loans In Zenith Bank

From the list of available Zenith bank loans you might just see the one that best works for you. Zenith bank is making it easier for you to apply for personal loan, business loan and even finance loan. The most interesting part is like other loan agencies they have a competitive interest rate.


1. Have a Zenith bank account. This will increase your chances of getting the loans approve
2. You should have a working account that is active.
3. Open your salary account with Zenith bank.
4. Be a worker for a known government or private organization.
5. Valid means of identification
Other requirements will be provided in the bank when you want to apply for any of the Zenith bank loans. But the above are necessary to getting your loan application approve.


Below are the eight available loan options from Zenith bank. Some of these loans also have subsidiary loans that makes it easier for the terms of service to be easily understood.


Like every other bank overdraft, the Zenith bank overdraft allows borrower to draw a certain amount of money in excess of their account balance. With this overdraft from Zenith bank, you can request for excess money from your bank. The period however will not exceed twelve months i.e a year.
Read Also: How To Easily Open A Zenith Bank Account From Home


The Zenith bank Receivable Discounting/Invoice Discounting is a loan that allows the borrower to obtain monetary value (usually discounted) against confirmed invoices for jobs already executed.


Zenith bank LPO Finance is a loan made available to borrowing customers to finance the supply of materials or execution of specific supply contracts to reputable organizations. If you have an unfinished contract with a company and you need money to complete the job then this Loan offer is just for you. When you apply for this loan offer from Zenith bank, you can pay for the cost of supply and pay back at the end of the contract.


Import Finance Facility is a type of credit availed specifically for the importation of raw materials, finished goods and equipment. This can be made available as Unconfirmed LC, Confirmed LC, Deferred Payment LC, Standby LC and Irrevocable LC. This loan is best suited for persons who are into importation of goods and services. You can use this loan to easily pay for imported goods and pay back after you made sales.


Export Finance Facility is a credit availed specifically for the export of agricultural produce or other commodities. This credit can either be availed at the pre-shipment or post-shipment stage of the transaction. This is the direct opposite of the Import Finance Facility. If you are into export of goods then this loan is worth your consideration.


Term Loan is a credit (short term, medium or long term) availed to finance specific capital projects expansion or lines of business for a specified tenor. Repayment can be bullet, balloon or on installment. What this means is that if you have business that needs expansion or you need to finance a project then consider this loan. Subject to some terms and conditions you will be granted this loan for a period of agreed time.


Lease is specifically finance or sale and lease back financing to support the acquisition of asset or equipment.


Bonds and Guarantee: These create contingent exposure for the bank. They take the form of instruments issued on behalf of customers to support contracts for supply, construction and performance.
Mntrends have put together simple loan calculators to help you better understand your loan. CLICK HERE to use the general loan calculator. If you would like to use Mntrends Auto loan calculator then CLICK HERE. For the Mortgage Loan calculator CLICK HERE to use the simple calculator.
These Zenith bank loans are aimed towards almost everyone. If you need to spend extra money then try the Zenith bank overdraft. But if you need to spend more then try the Zenith bank TERM LOAN. As at the time of writing this article it seems you have to visit a Zenith bank office to apply for the loan. You can CLICK HERE to see the Zenith bank branch nearest to you. Applying for any of the Zenith bank loans should be easy. Just visit a branch today and fill the form.

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What do you think?

Written by Russell


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  1. Good afternoon,am i eligible for the loan,am a worker and zenith has been my salary account

    • If you have been receiving your salary with Zenith Bank for The past 6 months then you should be eligible for the offer. Visit any Zenith Bank branch near you for the application form. Thanks

  2. I want to undergo an IVF treatment but I dont have the required amount. My salary account is with Zenith. Do they have any loan package for health that I can access?

    • Blessing there should be a loan option available for you in Zenith Bank. Just visit any Zenith bank close to you and request for a salary loan. You’ll be given the form to fill. But please take note of the related terms and conditions and also the interest rate. Thank and we wish you all the best.

  3. Planning to set up a mini gas plant in a filling station around Ibadan and I have no money to finance the project, please can I get a loan from the bank. Already I have my salary account with zenith bank and still functional.

    • Abiodun Yes it is possible for you to get a Salary Loan from Zenith Bank. Just go to any Zenith Bank branch near you, request for the Salary Loan form and fill it. Also talk to a customer care about their related terms and conditions. All the best

  4. Good evening sir, pls asumming i worked with and they opened zenith bank as my salary account then i left that company to another company but still using my zenith account as my salary account. Am I eligible for salary loan ?

    • Yes Roselyn you are eligible for the Salary Advance Loan. So long your Zenith bank account for receiving salary is still active. It does not matter if you switch company or not.

  5. My name is Peace, a civil servant with the senior secondary school board, Port Harcourt. I have my salary account domiciled with Zenith. I applied for a soft loan since the ending of the beginning of May 2019, I have paid everything I was asked to pay and submitted all documents but I’m yet to receive any alert… I have done follow up remainders but till now nothing has been done… I have just this week to get the money if not, I’ll loose something vital… What do I do?

    • Hello Peace we advice you to chat their customer care agent online. Sometimes most branch representatives are not usually responsive. We advice you to contact Zenith Bank on Twitter or Facebook and tell them what you just told us. The real status of your loan application will be made known to you.

  6. Hello Zenith, I needed a salary loan but is it compulsory a customer must visit a branch office before a salary loan can be approved? Other Banks already have codes for salary earners to dial and get the required loan right from their homes. Pls look into that pls. Zenith bank is a modern bank na pls am not impress.

  7. Comment: hello zenith my name is chukwuka aghedo am a student of (ABSU) i have an active account with zenithbank that has been for like three years now am i eligible for student loan

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