Updated October 16, 2026 · BorrowCue Editorial Team
Abhi vs Zensum
What sets them apart
| Compare |  Abhi |  Zensum |
|---|---|---|
| APR | 0%Lower | 11.46% |
| Term | 1 to 4 months | 12 to 180 monthsHigher |
| Arrangement fee | 0 PKR subscription fee; PKR 150 collection agency fee | 0 NOK |
| Funding time | Instant, about 30 seconds | Answer often within a few hours, in some cases up to a couple of days |
| Lender type | Direct lender | Broker |
| Loan types | Cash advance, Personal, Credit line, Secured, Business, BNPL | Personal, Debt consolidation, Secured, Car |
| Loan amount | Not confirmed | NOK 150,000 |
| Representative example | Not confirmed | Annuitetslån 150 000 kr, 5 years, nominal rate 10.90%, establishment/term fee 0 kr, effective rate 11.46%, total cost 195 240 kr, 3 254 kr per month |
| Rate type | Not confirmed | Variable |
| Eligibility | Currently employed employees with a valid up to date NADRA-issued CNIC, e-mail address and mobile telephone number | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard).
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Key differences
- Abhi scores higher overall: 9.0 vs 8.9.
- Founded is lower at Zensum: 2013 vs 2021.
- Zensum is licensed in 1 more country.
- Zensum is available in 1 more country.
- APR is lower at Abhi: 0% vs 11.46%.
- Term is higher at Zensum: 12 to 180 months vs 1 to 4 months.
- Support channels: only Zensum offers Help centre.
- Loan types: only Abhi offers Cash advance, Credit line, Business.
- Loan types: only Zensum offers Debt consolidation, Car.
Our verdict on each
Abhi
Abhi presents salary access, payroll and business finance services.
Zensum
Zensum is a Swedish loan broker in the middle of the market, with an APR of 11.46% on borrowing capped at NOK 150,000. It suits borrowers who want the origination fee kept at 0 NOK, a quick answer, and who can accept a hard credit check.
Score breakdown
| Area | Abhi | Zensum |
|---|---|---|
| Cost | 9.9Higher | 9.2APR of 11.46%, origination fee of 0 NOK and product fee of SEK 0. |
| Offer | 8.3 | 9.4Higher |
| Trust | 8.7Higher | 8.4 |
Where they rank in our lists
| Ranking | Abhi | Zensum |
|---|---|---|
| Personal loans | 646 of 1920 | 864 of 1920 |
| Secured loans | 178 of 473 | 266 of 473 |
Licences and countries
| Country | Abhi | Zensum |
|---|---|---|
| Norway | Not confirmed | |
| Pakistan | Securities and Exchange Commission of Pakistan (SECP) SC/NBFC-219/APL/IFS/2021-02 | Not confirmed |
| Sweden | Not confirmed | SE_FINA PSD_PI SE_FINA!44004 |
Additional countries for Abhi: 1. Additional countries for Zensum: 2.
Which one suits you
Pick Abhi if cost, trust, and apr matter most.
Pick Zensum if offer and term matter most.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% for Abhi and 11.46% for Zensum.
FINANZCHECK.de reviewWhere these facts come from
Abhi
- abhi.com.pk: 13 facts, checked September 26, 2026
Zensum
- zensum.no: 8 facts, checked September 26, 2026
- zensum.se: 6 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Abhi | Zensum |
|---|---|---|
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | ABHI (PRIVATE) LIMITED | Zensum AB |
| Headquarters | Pakistan | Sweden |
| Founded | 2021 | 2013Lower |
| Support channels | Email, Phone | Phone, Email, Help centreCovers more |
Mortgages
| Fact | Abhi | Zensum |
|---|---|---|
| Maximum loan to value | Not confirmed | 90% |
| Product fee | Not confirmed | SEK 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Abhi | Zensum | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 11.46%above the median | 8.99% |
| Loan amount | Not confirmed | NOK 150,000lowest quarter | NOK 500,000 |
| Term | 1 to 4 monthslowest quarter | 12 to 180 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Abhi
Pros
- The captured source states the provider or product information summarized here.
Cons
- The captured statement does not establish eligibility or loan terms.
Zensum
Pros
- Origination fee of 0 NOK on personal loans
- Product fee of SEK 0 on the mortgage range
- Applications are often answered quickly, though some take a little longer
Cons
- The rate is variable, so payments can move with the market
- The credit check is hard, which can leave a mark on your file
- Maximum loan to value is 90%, so a larger deposit is needed
Who each suits
Abhi
Who it suits
- Readers looking for the limited background stated in the captured source.
Zensum
Who it suits
- Borrowers comparing personal loans who want the fee side of the deal kept at 0 NOK and a fast answer
- Anyone after a quick decision rather than a slow branch process
- People consolidating several debts into a single payment
Who should look elsewhere
- Borrowers who need a fixed rate should shortlist Monzo Flex, since the rate here is variable
- Anyone unwilling to run a hard credit check should start with Cashspace instead
- Buyers wanting a loan to value above 90% have a narrow field, Cashspace and Cashspace ES included
Country by country
| Country | Abhi | Zensum |
|---|---|---|
| Norway | No | Yes |
| Pakistan | Yes | No |
| Sweden | No | Yes |
Questions about each
Zensum
What does a Zensum personal loan cost?+
The APR is 11.46% on borrowing capped at NOK 150,000, and the origination fee on a personal loan is 0 NOK. Interest on the balance is the main cost, since no separate establishment or term charge sits on top of it.
What fees does Zensum charge?+
On personal loans the origination fee is 0 NOK and the percentage fee is 0%. On the mortgage range the product fee is SEK 0, so the number a borrower really works from is the rate.
Is Zensum regulated?+
Zensum AB is registered for payment services in Sweden as PSD_PI SE_FINA!44004 with Finansinspektionen, and in Norway it is supervised by Finanstilsynet. As a broker it compares lenders rather than lending its own money.
What credit check does Zensum run?+
The credit check is hard, a firm check rather than a soft search, and the stated credit need is poor. That points to applications from borrowers with a thin or damaged credit history, so a declined application is a real possibility.