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
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.
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.