ZocaLoans Loans in Huntsville (AL)

ZocaLoans Loans
This page provides a detailed overview of all ZocaLoans loans in Huntsville (AL), including lending terms, interest rates and customer reviews. Compare offers and choose the best loan product for your needs.
Offers: 1
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
200.00 – 1500.00 $

Interest rate

to 795.00 %

Loan term for the financial product

to 3 months

How to Apply for a ZocaLoans Loan in Huntsville (AL)?

  1. Visit website. Navigate to the official ZocaLoans website to start the application process. Click on the application form available on the homepage.

  2. Fill Out the Application Form. Complete the application form by entering all the requested personal and financial information accurately to ensure your application is processed efficiently.

  3. Submit Your Application. After checking that all the information is correct and complete, submit your application for review.

  4. Wait for Instant Decision. ZocaLoans prides itself on providing instant decisions, so wait for the notification to find out if you qualify for the loan.

  5. Wait for a Callback. After submitting your application, wait for a callback from a ZocaLoans representative who will discuss the next steps and possibly request additional information.

  6. Visit the Office. Following the callback and preliminary approval, you will be invited to visit a ZocaLoans office in person.

  7. Sign the Loan Agreement. During your office visit, you will review and sign the loan agreement, finalizing the terms of your loan.

  8. Receive Your Loan. After signing, the loan amount will be processed for disbursement, typically deposited into your bank account by the next business day.

Conditions and Requirements


  1. Loan Amounts. The minimum initial loan amount is $200.00, with a maximum possible loan amount of $1,500.00.

  2. Interest and APR. The APR can be as high as approximately 795%. The total payments due, APR, and payment schedule will be clearly disclosed in the loan agreement.

  3. Payment Schedules. The full payment schedule, including the number of payments, payment amounts, and payment dates, is included in the loan agreement. The borrower has the option to reduce the total cost of the loan by paying off the loan prior to the last due date or by making additional payments.

  4. Late and NSF Fees. Late fees and non-sufficient funds (NSF) / returned item fees may apply as described in the loan agreement. Specifically, a $25 NSF fee is assessed if a payment is returned due to insufficient funds or dishonored by the financial institution for any reason. If any payment is late by more than two days after the due date, a $25 late fee will also apply.

  5. Funding Timeframes. Applications processed and approved before 8 PM CST Monday-Friday are typically funded on the next business day.


  1. Be of Legal Age. Applicants must meet the legal age requirement to enter into a contract in their respective state.

  2. Have a Regular Source of Income. Proof of income may be required to ensure the borrower has the means to repay the loan.

  3. Have a Bank Account. A valid bank account is usually necessary for the deposit of loan funds and the scheduling of repayment.

  4. Reside in an Eligible State. Since ZocaLoans does not lend in all states, residency in a state where their services are available is required.

  5. Provide Personal and Financial Information. This includes contact details, employment information, and banking details to complete the application process.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

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