Lender
Rating by Finanso®
i

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 ZocaLoans

Advertiser Disclosure

How to apply

Requirements

ZocaLoans doesn’t require good credit to qualify for a loan, making it easier for people with a bad credit history to get a loan. To get a loan from ZocaLoans, you don’t need to match tight requirements. As a credit score isn’t the determining factor at ZocaLoans, all borrowers can apply for and get personal loans. To apply for a loan through ZocaLoans, you must have a valid checking account and enroll in direct deposit. In addition, your account must accept an unlimited number of ACH debits and credits. To ensure the right loan for you, fill out the application.

You will need:

  • Your Driver's License Number

  • Your Checking Account (ABA) Number

  • Your Routing Number

  • Your Debit Card Number

Note: This lender doesn’t provide its services in all the states. Before applying, check the list of not serviced states. It currently prohibits lending in Arkansas, Colorado, Georgia, Maine, Maryland, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, West Virginia, South Dakota, Massachusetts, Virginia, Connecticut, and the District of Columbia. This may be subject to change.

Application details

  1. Not only does the lender provide its customers with a simple application, but it can also verify the application within 10 minutes. The lender appreciates its clients’ time, and that’s why it provides instant decisions. The loan amount will be credited to the person after the application has been processed and approved. Applications processed and approved before 8 pm CST Monday-Friday are typically funded on the next business day.

  2. The lender doesn’t specify the reasons for rejecting the application. Even if a credit score is not a determining factor, this lender may not approve all applications. However, the lender is likely to accept your application as long as they can validate the information you provide.

How to apply for a loan

Requesting a loan, use the online application form. Then, apply for a loan directly on the ZocaLoans website in minutes. The application process is so easy that you don’t need to spend much time on it.

Step 1:

You need to head over to the ZocaLoans website to start the application process. Then, click the button “Apply now.”

Step 2:

The application starts with personal details. First of all, enter your personal information, including your first name, last name, social security number, email address, date of birth, valid driver’s license or state ID number, and cell phone number. After filling out this information, it’s essential to choose the amount of loan you need. State how much money you want. The loan amount ranges from $200 up to $1,500. Also, check the box that you confirm all the information you enter is accurate, and you agree to the Terms and Conditions and consent to electronic disclosures. Finally, click the “Next” button in the upper right corner.

Step 3:

Provide your address information, including street, city, state, and zip code. Also, it is asked to specify whether you rent your home or own it. Click the “Next” button in the upper right corner to continue your application.

Step 4:

After that, ZocaLoans requires the customers to submit their banking details. First, fill out the routing number, bank name, and account number. Then, click the “Next” button.

Your application is completed!

If you have any questions, seasoned customer service reps can assist you throughout the process. Call at 888-980-1532.

The application doesn’t require information about the borrower's financial standing. Mostly, you will get a decision instantly. In case of approval, you will be shown the lending rates. Remember that the lender has the right to reject your application.

FAQ

How long does it take to get approved by ZocaLoans?

With instant decisions, it won’t take longer than 10 minutes to know the status of your application. You will find out instantly if your loan application has been approved and how much credit is available to you. For example, if your application were approved before 8 pm Eastern time from Monday to Friday, it would be funded the next business day. Still, it is possible to order a same-day payment that will cost you an additional $30.

How trustworthy is ZocaLoans?

ZocaLoans has two testimonials from their clients on the official website. People recommend this lender, lauding, “It was a lifesaver, " and they are happy how the lender helped them cover unexpected bills. Obviously, no company will put bad reviews on the home screen. On the other hand, on the Internet, you can find other customer reviews, and the average rating of ZocaLoans is 1.5. People complain about not receiving their money as promised, getting payments from their accounts in a higher amount, and more. ZocaLoans has also received a pack of complaints about poor customer service. There are some positive reviews on the Internet from their customers too, but most assessments are negative.

Does ZocaLoans verify income?

Zoca Loans has a minimal set of eligibility requirements. For example, no mention is made of needing a minimum credit score, nor do you need to have a minimum annual salary. However, ZocaLoans does verify other applicant information through national databases, including, but not limited to, Clarity, Factor Trust, and CLVerify. The company does not utilize Equifax, Experian, or TransUnion to perform traditional credit checks as part of our pre-approval process. However, by applying for credit, you authorize ZocaLoans to obtain consumer reports about you as long as you owe it money.

Does ZocaLoans hurt your credit score?

ZocaLoans obtains consumer reports about you as long as you owe this lender money. The company may report information about your performance under any loan agreement to credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. This may negatively impact your ability to receive loans or advances from other companies or write checks. Remember that the best and fastest way to achieve creditworthiness is to make payments on time and always repay your loan on or before the due date; then, odds are you will be creditworthy.

Financial products
Rating by Finanso®
i

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™
0
300
650
1000
200.00 – 1500.00 $
Rate
i

Effective interest rate on the product

to 795.00 %
Term
i

Loan term for the financial product

to 3 months
Similars products
Best Quick Loan Today 27.03.2024*
Finanso
Need a Quick Loan Now?
Rating by Finanso®
i

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™
0
300
650
1000
100.00 – 20000.00 $
Rate
i

Effective interest rate on the product

from 0.05 %
Term
i

Loan term for the financial product

5 days – 3 months
Rating by Finanso®
i

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™
0
300
650
1000
800.00 – 3000.00 $
Rate
i

Effective interest rate on the product

to 274.85 %
Rating by Finanso®
i

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™
0
300
650
1000
250.00 – 250.00 $
Rating by Finanso®
i

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™
0
300
650
1000
500.00 – 10000.00 $
Rating by Finanso®
i

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™
0
300
650
1000
500.00 – 1500.00 $
Apply
Calculate loan payments in ZocaLoans

ZocaLoans calculator will allow you to calculate an approximate payment schedule for the loan

ZocaLoans calculator
Interest rates are given in accordance with the rates of the ZocaLoans of 27.03.2024
Loan amount
i

Enter the desired loan amount

USD
USD
200 $
1500 $
Loan term
i

Specify the loan term for the calculation

days
months
30
90
State
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
All ZocaLoans’s reviews by march 2024
Leave feedback
Similar companies
Titlelo
3000 NE 30th Pl Ste 104 Fort Lauderdale, FL 33306
+1 (855) 341-4500
Ace Title Loan
5371 HIGHWAY 90 West, Mobile, AL 36619
+1 (251) 665-1222
LoanStar Title Loans
3440 Preston Ridge RD STE 500 Alpharetta, GA, US, 30005
+1 (877) 511-2274
TFC Title Loans
3055 Wilshire Blvd #530, Los Angeles, CA 90010-1145
+1 (844) 242-3543
TitleBucks
15 Bull Street Savannah, Ga. 31401