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What do We offer?

Easy Loans For Your Various Needs

We understand that India needs to be empowered with financial tools and resources to continue its growth curve. We do our part by facilitating loans for India's Emerging middle class when they need it most.

+ How to Apply

Get loans for personal & business expenses

What Makes Us Better

360 degree assessment based on
our unique and proprietary credit model.

Quick Loan disbursal with assisted digital journey
Minimal paper work required for loan application
Loans available for diverse employment
No hidden charges. Safe & Secure

Facilitating loan solutions

Get funds for your needs

Whether you need funds for business or personal needs, let us help you process your loans.

Working Capital

To take your business growth to a new level, you can apply for quick finance. This type of a business loan is apt for retailers, shopkeepers, service providers, manufacturers and contractors.

  • Pay for running expenses
  • Manage day to day operations
  • Expand manpower
  • Filling financial gaps
  • Purchase inventory

Business Asset Purchases

Business Asset financing allows a business to avail loans, either to buy or replace the existing assets, machines or equipments.

  • Expanding Operations
  • Expand manufacturing capability
  • Acquiring equipment or machinery

Home & Shop Renovation

You can avail the loan to expand, modify, refurbish or renovate your shop or your house. It allows you to upgrade or renovate your existing home or shop to a more comfortable space,

  • Renovate your business or home premises
  • Expand the current area
  • Get a proper flooring or tiles
  • Renovate bathroom/ washroom
  • Get a renovated permanent rooftop

Household Purchases

You can avail this type of a loan to manage purchases for a new home or to transform your home with new furniture, kitchen equipment and a more comfortable space,

  • Get new furniture
  • Buy new appliances
  • Buy new cupboards or storage space
  • Buy generator or invertors

Debt Consolidation

The Debt Consolidation ensure you are no longer hassled with repaying multiple debts. Pay off all your other costly loans and borrowings and convert it into in single loan and save money on interest.

  • Save through better interest rates
  • Manage lesser instalments
  • Quick loans processing


Rising costs, to minimising the financial burden on the ageing parents plus tax benefits are three major reasons why more and more education loans are being applied for.

  • Pay for college or school
  • Filling financial gaps
  • Providing essential funds for education
  • Managing education outside hometown

Download the Z First App & explore a range of benefits

Z First is a Lending service provider (LSP) platform designed for all your funds needs. As India's fastest growing financing & value added services platform for Emerging Middle class, we provide both Business & Personal loans at competitive rates. Whether you are a Self Employed or a working Professional, we have a product for all of you.

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Happy Clients

Customers Stories


Ajay Kumar

It was a easy process to get a loan for my home improvement expenses. The staff at Z First helped at every step. Thank you.

Birma Devi

I needed money to buy stock for my shop. Thank you for all the right guidance and helping me understand the loans better.

Manohar Yadav

The personal loan helped me fund my farming with tools & fertilizers. The staff is friendly & they helped me apply for loan via mobile app.