Welcome to GURU

Lower your interest rate with a no-gimmick payday loan

How It Works

Step 1 : Create a secure profile

Customers 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 you

Customers 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 & sign

Our 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 account

Once 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.

Interest Rate




About Us

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.

Product Features

No predatory practices. We designed Guru to earn customer loyalty

Mobile App

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.

Easy to use

Some financial services applications are confusing, not Guru! Customers can easily navigate our smartphone app.

Frequently Asked Questions


655 Ives Dairy Rd
Miami FL 33179

+1 5589 55488 55s

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