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Zitra Review: What You Need to Know

Zitra Investment is a private company that provides loans and investment services to individuals and businesses.

Zitra offers a wide range of easily accessible financial solutions, including loans, to bridge the funding gap for individuals and businesses and help them achieve their financial goals.

The company is driven by a passion for providing seamless financial assistance and advisory services to individuals and businesses who find it difficult to manage their daily finances.


Zitra has a plethora of products to service the financial needs of its clients. From loan facilities to investment opportunities, there is something for everyone.


Zitra Raiz

Zitra Raiz is designed for salary earners and does not require collateral. This loan facility offers loans ranging from N100,000 t0 N 5,000,000 and interest rates starting from 1.69% per month.

One of the unique features of Zitra Raiz is its use of alternative data sources to assess borrowers’ creditworthiness. The company considers factors such as mobile phone usage, and utility payments when evaluating loan applications. This allows Zitra Raiz to extend credit to individuals who may not have a great credit history or collateral to offer.

With repayment terms ranging from 6 to 24 months, Zitra Raiz is a great option for you if you have bad credit and need a loan or if you’re looking for a reliable source for quick funds.

Zitra Confam

Zitra Confam business loans are a great option for business owners who encounter difficulty trying to access finance to grow their businesses. With an interest rate that starts at 3% per month, this loan facility does not require collateral or guarantors for loans under N1 million. This means that small business owners can access financing without the burden of providing collateral or guarantors.

The loan model is designed to meet the needs of business owners to help them grow and expand their businesses. Zitra Confam understands the challenges of Nigerian SMEs and has tailored its loans to meet these challenges. Whether you need financing for working capital, inventory purchases, equipment financing, or expansion projects, Zitra Confam has got you covered.

Zitra Confam offers loans ranging from N50,000 to N5 million, with repayment terms of up to 12 months. This means that business owners can access financing for various purposes, depending on their business needs.  It is a promising solution for Nigerian SMEs that need access to financing to grow and expand their businesses.


Zitra offers attractive returns on your money and helps you kickstart your journey towards financial independence.

Below are the savings opportunities on the platform.

Zitra Pesado

Zitra Pesado is a high-yield savings product offered by Zitra Bank that is designed to help you earn more on your savings. With Zitra Pesado, you can earn interest rates of up to 5% per annum, which is significantly higher than what is typically offered by traditional savings accounts.

One of the main benefits of Zitra Pesado is its flexibility. You can choose the amount you want to save and the duration of the savings plan, which can range from 3 to 36 months.

Another benefit of this account is that it is easy to open and manage. You can open an account online or in person at any Zitra Bank branch. You can also manage your account online or through the bank’s mobile app. Additionally, you can make deposits and withdrawals at any time without penalty, which gives you more control over their savings.

This is a great option for if you want to earn more on your savings while still maintaining flexibility and control over your money.

Zitra Primero

Zitra Primero offers a competitive interest rate and can be opened with as little as N500.

One unique feature of this is its “Stash” feature, which allows you to set aside a portion of your savings for a specific goal, such as a vacation or a down payment on a home. You can track your progress towards your goal and adjust your savings plan as needed.

This is a promising option for savers looking to grow their wealth and achieve their financial goals.

Zitra Asset Management

Zitra offers a wide range of investment products and services across asset classes and investment styles. These include equities, money market and fixed-income portfolios in local and global markets, collective investment schemes, and other investment vehicles.

Its investment options include:

Private Wealth Management

This product is designed to help individuals, businesses and institutions build and manage tailored investment portfolios and ensure generational wealth so as to achieve their set financial goals.

Dollar Investment

Through its Dollar Investment, Zitra provides her clients with access to investments in foreign currencies at attractive rates.

Structured Investment

This is an asset-backed product which provides clients with risk-adjusted higher returns such as Credit-backed Notes, FCY-linked Notes, Treasury linked Notes, and Commodity backed Notes.

Treasury and Fund Management

Through this, Zitra provides fund and treasury management services to help corporates and other organizations utilize their funds efficiently while also providing better yields.

Sustainable and Impact Investment

Zitra provides clients with an ESG, inclusion and impact focus, and access to various sustainable investment options with the primal aim of driving positive change.

Auxillary Services

Zitra helps its clients, new and existing, resolve all issues regarding investments in the capital market including dividend retrievals and share dematerialization.

Accessing Zitra’s products

1. Select ‘Zitra’

2. Read through the information provided on the Zitra page to understand more about the provider, and its products.

3. Select a product.

4. Click on ”Apply”/ ‘Open Account’ to begin the application process.

5. Fill in your personal details and provide all the necessary documents.

6. Submit your application form for review and processing.

7. After successful review of your application, you will receive an email notification confirming that your application has been approved!


What to note

Zitra’s loans are available to individuals between ages 21 and 55 years who earn N80,000 and above. They also must be a confirmed staff for over six (6) months and must have a satisfactory credit history.

To get your loan approved, you will need to present a fully completed Loan Application Form, six (6) months verified bank statement from your salary account, a photocopy of your workplace ID card as well as a government-issued ID (any of Int’l passport, Driver’s License, Nat. Id or Voter’s card)

Those looking to invest their money can only start with a minimum of N100,000.

In the case of an emergency, it is possible to liquidate your investment, but there will be a penal charge on your interest.

Pros of Choosing Zitra for Your Financial Needs:

  • Low Fees: Zitra offers some of the lowest fees in the industry, making it an attractive option for investors looking to maximize their returns.
  • Professional Advice: With Zitra, you get access to experienced financial advisors who can help investors make informed decisions about their investments.
  • Accessibility: Zitra is available online, making it easy for investors to access their accounts and manage their investments from anywhere in the world at any time.
  • Security: Advanced encryption technology to protect customer data and transactions.
  • Flexible Loan Options: Zitra provides a range of loan options tailored to meet individual needs, allowing borrowers to choose the loan amount and repayment term that suits them best. 
  • Quick and Easy Application Process: Zitra streamlines the loan application process, making it quick and hassle-free for borrowers to apply for a loan. 
  • Accessible Online Platform: Zitra’s online platform allows borrowers to conveniently manage their loan account, check repayment schedules, and make payments online from anywhere at any time. 

Cons of Investing with Zitra Investments:

1. Lack of Information: It can be difficult to get detailed information about the performance of specific investments as well as overall portfolio performance from Zitra.

Visit nairaCompare to get more information on available investment platforms, interests in loans, savings opportunities and more.

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