Zenith Bank Loan | Requirements & How to Apply in 5 minutes

Zenith Bank loan is created for individuals who has a salary account with the bank. You can easily apply for loans up to N10million with amazing interest rates and repay at your convenience.

Zenith Bank Loan

Zenith Bank is a leading multinational financial service provider founded by Jim Ovia in may 1990 and headquartered in Lagos, Nigeria. The bank became a public limited company on June 17, 2004 and was listed on the Nigerian stock exchange (NSE) on October 21, 2004 following a highly successful initial public offering.

The bank has over one million shareholder base and is Nigeria's biggest bank by tier-1 capital. It's core business include: corporate and investment banking, personal/private banking, commercial/consumer banking, trade services and foreign exchange, loans and cash management service etc.

Zenith Bank maintains subsidiaries in the United kingdom, United Arab Emirates, Ghana, Sierra Leone and the Gambia. The bank also has an office in China and plans to take the Zenith brand to other African countries as well as the European and Asian markets.

Zenith Bank introduce a loan system with plans to finance individuals/entrepreneur's of MSMEs quick fund's to bolster their business and also to take care of other personal issues that may occur in ones life. This loan am talking about is known as zenith Bank MSMEs loan.

Table of Contents
  • Zenith Bank MSMEs Loan
  • Requirements
  • Interest Rates
  • Other Zenith Bank loan offers
  • How to get a loan
  • Zenith Bank loan Calculator
  • How to pay back your loans
  • Zenith Bank loan USSD code
  • Zenith Bank customer care service number
  • Conclusion.

Zenith Bank MSME Loan

MSME stands for; Micro, Small and Medium Enterprise. And zenith Bank MSME loan is created to give quick loans up to N2million with amazing interest rates for a maximum period of 12 months to entrepreneur's of MSMEs with business mindsets to achieve mission-ctitical business goals. Or for other personal issues that may arise such as to buy a house, take care of unwanted medical issues, go on a vacation etc.

Zenith Bank MSME Loan Requirements

  1. You must have a salary account with Zenith Bank of not less than 6 months old.
  2. Your recent 3 -6 months statement of account.
  3. Bank Verification Number (BVN).
  4. Valid means of identification.
  5. Business must be categorized in any of the Zenith Bank approved sectors.
  6. Your business must have 1 or more Zenith Bank electric connection channels.
Note: You might be charge 0.5% - 1% flat subject to a minimum of N10,000.

Zenith Bank MSME Loan Interest Rates

The interest rates charges by Zenith Bank MSME loan is 9% P.A. with a maximum repayment period of 12 months.

Other Zenith Bank Loan Offers

Here are all the loan offers on the Zenith Bank platforms:

1. Zenith Bank Payday/Retail Loan

Payday/ retail loan is a short term loan offered by Zenith Bank that allows you to quickly withdraw up to 60% of your net monthly salary and repay back on your next payday or within 30 days of applying.

2. Zenith Bank Personal Loan

It is a type of loan use to take care of urgent or unwanted personal issues.

3. Zenith Bank Asset Acquisition/car loan

It is a loan used to finance purchase of vehicles or acquisition of household assets.

4. Zenith Bank Mortgage Loan

This loan system is designed to fulfill your aspiration to purchase your dream house with ease.

5. Zenith Bank Educational Loan

Zenith Bank loan

Education loan is a loan system designed by Zenith Bank to take care of all your educational needs and wants. In this platform, you can borrow up to N5,000,000 for a maximum period of 3 months for Junior schools and 9 months for Tertiary institutions.

Zenith Bank Educational Loan Requirements

  • Completed application form.
  • Parents/guardian must have salary account domiciled with the bank.
  • Child/ward must have a Zenith Bank account.
  • Invoice of school/tuition fees.

6. Zenith Bank MSE (Z-Woman) Loan

Zenith Bank Loan

Z-Woman is Zenith Bank single digit loan product for female owned businesses for all sectors primarily geared towards growing our Small and Medium Enterprise (SME) sub-sector and diversifying their customer base.

With Zenith Bank Z-Woman loan you can borrow fund's up to N10,000,000 with an interest rates of 9% P.A and repay at your convenience usually within 12 - 24 months term.

Requirements is simple, you must have a business with shareholding of 55% and above. For more inquiry on on Zenith Z-Woman loan email agentbanking@zenithbank.com for more information.

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How to get a loan on Zenith Bank

To quickly get a loan, follow these tips:
  • Visit any Zenith Bank branch near you and request for your loan application form. Fill in your details and submit.
  • You can also apply for via online by clicking here.
  • Fill out a form such as your account number and BVN.
  • Select your loan type.
  • Type in your loan amount
  • Select your payment type (Monthly, Quarterly, Semi-Annually and Annually).
  • Select your loan tenor.
  • Receive your fund's.

Zenith Bank Loan Calculator

Zenith Bank loan Calculator is just an estimate. It does not determine your loans interest rates.

How to pay back Zenith Bank loan

Zenith Bank make use of auto debit system that automatically deducts your loan balance only on your loan due date(s). You can also choose to repay your loan by visiting any Zenith branch near you.

Zenith Bank Loan USSD Code

Currently, Zenith Bank does not have any loan USSD code. But you can make use of *966# to take care of other banking activities such as sending money, recharge airtime and data, open account, pay bills etc.

Zenith Bank Loan Customer Service Care Number

Zenith Bank loan

For more informations, issues or queries, contact Zenith Bank customer service on +234-1-2787000 or you can email them at zenithdirect@zenithbank.com


With Zenith Bank loan you can get quick fund's within minutes of applying directly to your account. Repay your loans before or, on it's due date to avoid being penalized.

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