Dzengo

Dzengo

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About this app

Dzengo is an online service for obtaining cash using your car as collateral. We operate under a license from the National Bank of the Republic of Belarus.

Calculate your available amount now!

How it works:
- Submit a request in the app—it takes no more than 5 minutes.
- Our specialist will contact you to confirm your request.
- A scoring system will evaluate and calculate your debt burden ratio (DBR).
- Sign the car mortgage and collateral agreements.
- Receive funds to your card or account.
- Your car remains yours—you continue to use it for the entire loan term.

Dzengo has successfully passed an independent audit and confirmed the compliance of its information security system. We use modern cybersecurity tools and comply with the laws of the Republic of Belarus.

Borrower requirements:
- Age from 18 to 65
- Citizenship or residence permit of the Republic of Belarus
- Ownership of any vehicle registered in the Republic of Belarus

Fast processing and fair terms:
- Loan amount: from 300 to 100,000 Belarusian rubles
- Loan term: from 3 to 60 months
- Daily interest accrual
- Early repayment without overpayments

Minimum interest rate: 94.9%
Maximum interest rate (APR): 138.70%
The first loan is 450 BYN at 0% interest for 10 days.
The interest rate is determined in accordance with the rules posted on the Dzengo website, the requirements of the legislation of the Republic of Belarus, and Dzengo regulations. The maximum amount of interest accrued for the entire loan term is:
- for a term of no more than 12 months – no more than 100% of the loan amount
- for a term of more than 12 months – no more than 200% of the loan amount
The monthly payment is calculated using the annuity payment formula:
Monthly payment = Loan amount * (Interest rate in % per annum / 12 * (1 + Interest rate in % per annum / 12) raised to the power of the number of months of the loan) / (1 + Interest rate in % per annum / 12) raised to the power of the number of months of the loan – 1
Amount of accrued interest in the repayment month = Loan principal amount * Daily interest rate * number of days.
For example, for a loan amount of 1,000 BYN for 24 months at an annual interest rate of 131.4%, the monthly payment would be 125.33 BYN. The total overpayment for the entire loan term (24 months) will be 1,943.60 BYN. The total repayment amount for 12 months will be 2,943.60 BYN. Early repayment without overpayment is possible.

Dzengo LLC, UNP 193498948, is included in the register of microfinance organizations and provides microfinance services under the Dzengo brand. Identification number in the MFO register is 20185. Legal address: 72 Timiryazeva Street, Office 23e, Minsk, 220035, Republic of Belarus.

Privacy Policy: https://dzengo.by/privacy/
Support: [e-mail]

What’s new

Встречайте обновлённую авторизацию! Мы сделали вход и регистрацию понятнее и удобнее, чтобы вы могли быстрее получить доступ к возможностям приложения. Обновите его и пользуйтесь ещё комфортнее!