How It Works
Step 1 : Create a secure profileCustomers will show: proof of age (18+), a valid checking account, proof of income, phone number, government issued ID & email address.
Step 2 : Select a loan option that’s right for youCustomers can choose how much they need. Whether it’s to pay a light bill, a friend or just to have a nice dinner out on the town, Guru’s micro-loans go up to $500 for qualified applicants.
Step 3 : Apply & signOur application is quick and easy, and we can approve instantly! Security is very important us. We protect our customer’s information with 2-factor authentication.
Step 4 : Funds in your online accountOnce approved, receive your funds. We verify banking account information instantly and customer’s funds will be available in minutes. Spend wisely!
Why we’re different
We believe in rewarding responsible money management.
Zencentives is designed to help you get the cash you need at an interest rate that gets lower and lower with each on-time repayment. Respect for our customers is what sets us apart.
Our mission is to bring payday loans into the 21st century
Constructed out of necessity
“We looked at what was out there and figured that we could create a better product”
- We believe that we have created the most convenient, affordable & easy to use product on the market. We are committed to offering a quality product to our customers because we can understand the necessity of the services we offer.
- We value customer feedback and we are constantly looking for ways we can improve.
No predatory practices. We designed Guru to earn customer loyalty
Guru brings money services to the palm of your hand and passes the savings on to our customers.
Safe and secure are our priorities! Customers trust Guru for a reason.
Rewarding responsible money management with lower interest rates.
Some financial services applications are confusing, not Guru! Customers can easily navigate our smartphone app.
Frequently Asked Questions
How much can I borrow?
Our Payday Loans range from $100-$500. The slider on our application helps you figure out exactly what your Payday Loan will cost.
Who qualifies for Payday Loans?
To get started, you’ll need:
- To be 18 years and older
- To have a valid checking account
- To have a steady income
- To have an active phone number
- To have a valid government-issued photo ID
- To have a valid email
- To have a working camera on your mobile device
How long does it take to process my application?
Guru can process your application instantly! Funds will be deposited to your checking account the same day.
When and how do I repay my loan?
Look for your repayment due date on your loan document. You must repay your loan in full by that date or your payment will be taken out of your checking account electronically.
655 Ives Dairy Rd
Miami FL 33179
+1 5589 55488 55s