Rates and Fees
ZionRock does not believe in hidden costs or unclear offers. Before you accept any facility, you should understand what you are borrowing, what it will cost, how repayment works, and what documents are required to move forward.
What you will know before you borrow
Before activation of a facility, we provide a clear offer that explains:
- the product type
- the approved amount
- any applicable interest or fees
- the repayment structure and timing
- any required third-party costs where relevant
- the total amount payable under the agreed terms
What shapes pricing
Pricing depends on the type of facility and the risk profile of the request.
Secured personal lending
Vehicle condition, asset quality, documentation, and repayment structure may affect the final offer.
Salary-linked lending
Income profile, affordability, and the applicable repayment arrangement may shape the offer.
Business and invoice-led lending
Business cash flow, invoice quality, counterparty strength, and supporting records may influence pricing and approval structure.
Asset finance
The type of asset, contribution level if applicable, repayment tenor, and business profile may shape the final offer.
Documents we may request
Depending on product type, we may ask for identification documents, payslips, bank or mobile-money statements, business records, invoices, or asset-related documents. The exact checklist will depend on the facility you request.
Questions before you accept an offer
If any part of an offer is unclear, ask before you proceed. The right financing decision starts with understanding the full cost and repayment commitment.