Zinni Finance Loan Product Suite
Ten ways to fund what matters, sized to fit your life.
Every product below is built around a specific need, real repayment structures and transparent pricing. Rates and terms are indicative, your advisor will confirm final terms based on your profile.
Personal & Salary Loans
Built around real life moments: emergencies, payday gaps, and school fees.
Zinni QuickCash
Fast approval, minimal documentation.
- Target Market: Salary earners, professionals, business owners
- Purpose: Emergencies, medical bills, school fees, rent, short-term gaps
- Loan Size: N50,000 – N2,000,000
- Tenor: 1 – 6 months
- Interest Rate: 6% – 10% monthly
- Repayment: Monthly or salary deduction
- Processing Time: 24 – 48 hours
- Processing Fee: 3%
Zinni Salary-Advance
Easy access before payday.
- Target Market: Civil servants, private sector staff
- Purpose: Salary bridge, personal commitments, school fees, travel
- Loan Size: Up to 50% of annual salary
- Tenor: 1 – 12 months
- Interest Rate: 6% – 10% monthly
- Repayment: Direct salary deduction
- Processing Fee: 3%
- Requirements: Employment letter, payslips, bank statement, employer undertaking, IPPIS/Remita activation
Zinni SchoolEase
Education-first financing.
- Target Market: Parents, guardians, salary earners
- Purpose: Tuition payment
- Loan Size: N100,000 – N3,000,000
- Tenor: 3 – 9 months
- Interest Rate: 6% monthly
- Processing Fee: 3%
- Requirements: IPPIS/Remita activation
SME & Business Loans
Working capital, assets, contracts, and premium facilities for growing businesses.
Zinni BizBoost
Designed to grow business cash flow.
- Target Market: SMEs, retailers, wholesalers
- Purpose: Stock purchase, working capital, expansion
- Loan Size: N500,000 – N20,000,000
- Tenor: 1 – 6 months
- Interest Rate: 10% monthly
- Repayment: Weekly or monthly
- Processing Fee: 4% upfront
- Security: Inventory, receivables, landed property, guarantors
Zinni MarketFlex
Flexible small-ticket lending.
- Target Market: Traders, market women, petty business owners
- Purpose: Daily stock replenishment, market expansion
- Loan Size: N50,000 – N2,000,000
- Tenor: 1 – 6 months
- Interest Rate: 8% (flat or reducing balance)
- Repayment: Daily or weekly
- Processing Fee: 2% upfront
Zinni AssetPlus
Own now, pay gradually.
- Target Market: SMEs, salary earners, entrepreneurs
- Purpose: Vehicles, equipment, generators, machinery, business tools
- Loan Size: N200,000 – N15,000,000
- Tenor: 6 – 24 months
- Interest Rate: 6% monthly
- Security: Asset financed serves as collateral
- Processing Fee: 4% upfront
Zinni ContractBridge
Unlock contracts without waiting.
- Target Market: Contractors and suppliers
- Purpose: Contract execution, supply chain funding, mobilization gap
- Loan Size: N5,000,000 – N50,000,000
- Tenor: 1 – 6 months
- Interest Rate: 10% monthly
- Security: LPO, contract award letter, invoice, domiciliation
- Processing Fee: 4% upfront
Zinni PrimeElite
Tailored premium financing.
- Target Market: Established businesses, high-net-worth clients
- Purpose: Expansion, capital restructuring, asset financing
- Loan Size: N10,000,000 – N100,000,000
- Tenor: 6 – 12 months
- Interest Rate: Negotiable, from 4% monthly
- Processing Fee: 4% upfront
Agricultural & Group Finance
Seasonal harvest cycles and shared-responsibility lending for cooperatives.
Zinni AgroGrow
Seasonal repayment structure.
- Target Market: Farmers, agro-processors, cooperatives
- Purpose: Farm inputs, mechanization, harvest financing, livestock
- Loan Size: N200,000 – N10,000,000
- Tenor: 3 – 12 months
- Interest Rate: 2.5% – 4% monthly
- Repayment: Structured around harvest cycles
- Processing Fee: 1% upfront
Zinni GroupTrust
Shared responsibility model.
- Target Market: Associations, cooperatives, women groups
- Purpose: Group business support
- Loan Size: N500,000 – N5,000,000
- Tenor: 3 – 12 months
- Interest Rate: 10% monthly
- Security: Group guarantee and cheques
- Processing Fee: 3% upfront