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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.

Apply for a Zilch's loan


How to apply


You may apply if you are at least 18 years old and have a stable source of income. Additionally, Zilch requires confirmation of billing and a valid government-issued ID to validate the information.

You won't qualify in case you cannot verify your identity or are flagged by the company's partners as a sanctioned person.

Application details

You must supply specific personal information to the company, such as:

  • Your name, address, and date of birth;

  • Tax Identification Number or Social Security Number;

  • Your valid bank account.

The company may also ask to see your driver ''s license or other identifying documents. All information you provide must be accurate and complete, and you must keep this information up to date.

How to apply for Zilch

To get funding, you may apply through the website or the app. Click the "Get started" option to register. Next, add your details: your name, address, phone number, date of birth, and email address. Then you must accept the terms and conditions and verify your account. Zilch will want a few additional details: verify your email and add your debit card. You also may be required to validate your ID. After all, look out for the email that immediately shows your available amount for acquisitions.


How long does Zilch take to process?

After registration and verification, you receive an email that immediately shows your available amount for purchases.

Does Zilch impact credit score?

There is a possibility that Zilch could affect your credit score.

How long does Zilch take to verify?

After receiving your ID and other personal data, the company will verify you. 5-day verifications are possible. Busier times can extend this time.

What to focus on before applying for a loan with Zilch

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Zilch and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Zilch’s reviews by September 2022
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