we understand that there are many things you want for your family, whether it be the best education for your children, improvements on your home, great investment opportunities, post-graduate studies, or even just a much-needed overseas holiday for the whole family. Our unsecured loans help you meet your personal financing requirements.

Borrow Overdraft

You’ve got financial needs? Why liquidate your lifetime savings – Instead avail the Personal Life of Credit without liquidating your investments.

Personal Line of Credit is an efficient, accessible and convenient way of meeting all your short-term liquidity needs. With this, you don’t have to liquidate your long-term savings and investments set aside to meet your future financial goals and be able to meet your financial needs by paying only a nominal markup.

  • Financing up to 90% of the collateral value
  • Avail facility at the most competitive rate in the market
  • Markup charged only on the amount utilized and for the number of days utilized
  • Get the funds disbursed into your account in 7 working days

Personal Unsecured Loan

At Zenithunion, we understand that there are many things you want for your family, whether it be the best education for your children, improvements on your home, great investment opportunities, post-graduate studies, or even just a much-needed overseas holiday for the whole family. Our unsecured loans help you meet your personal financing requirements.

1. Smart Scheme

We want to make your dreams come true and ensure that we leave no stone unturned in making this happen. With our Smart Scheme personal unsecured loan we make that dream of a brand new car, post-graduate degree or paying for your child’s school fees a reality.

Come and enjoy the freedom to see your dreams materialise with our Smart Scheme personal loan.

You can apply for this loan if MenzUnion has signed a scheme agreement with your organisation. Monthly loan repayment deduction will be made from your employer directly. You may contact us to confirm if your organisation is on the list.

2. Smart Credit

We are in the business of helping you improve the quality of your life. You no longer have to wait what sometimes feels like a lifetime to live the life you want. Our Smart Credit personal loan is just what you need to put your personal aspirations in your hand.

If your salary is paid through a MenzUnion Bank account you could be eligible to take this loan. Monthly repayment deductions will be made from your salary account with us. Scheme agreement with your organisation not required.

  • Net minimum salary of GBP700
  • Salaried worker
  • Documents Required
  • Completed application form
  • IID – Important Information Document
  • Passport / Driver’s Licence / National Identification Card
  • Most recent salary slip
  • Bank statements for the last 3 months
  • Letter of Undertaking required of only CAGD customers* (Only for Smart Scheme Loan)
  • CAGD – Controller & Accountant General’s Department