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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.

ZocaLoans's account


How to register an account

To register an account on this lender's website, you need to submit a loan application on the Site. You will need to provide your name and surname, SIN, email, date of birth, driver’s license details, cell phone, work phone, and the loan amount you wish. An account must be created for you when your application is approved. To log in to your account, use your email address and password. If you have any problems with your account, you can call at 1-888-980-1532 or email at

How to reset a password

If you forgot the password to sign in to your account, follow these simple steps. Firstly, go to the lender’s website and click “Sign in” on the top right. The next step is to click the “Forgot password” link. Then fill in your email, and click the button “recover password.” After that, you will receive instructions on resetting a password on your email. If you have any problems with your personal account, you can call at 1-888-980-1532 or email at

How to delete an account

There is no information on the website on how to delete an account. Probably, to delete an account, you need to go to personal account settings. If you need help managing your personal account, you can call at 1-888-980-1532 or email at


How does ZocaLoans work?

These loans work much like any other online personal loan:

  • Firstly, you need to apply for a loan on their website. Then, head over to its website to get the application process started. Filling out an online application, you will be prompted to enter your first and last name, email address, mobile number, SIN, and other details.

  • Once you click on the “APPLY NOW” button, it remains to wait for a response from the company. Then, they will give an instant decision and let you know whether you’re approved for a loan, how much, and the rates/terms.

  • Then you decide whether you would like to sign the agreement. Read and review your loan agreement carefully to ensure that you have understood the terms of your loan.

  • After signing the agreement, get your money deposited into your bank account. Receive the funds into your bank account within one business day.

  • Pay back your loan in small installments. You will repay the loan in small installments on your agreed-upon loan payment schedule. You can prepay your loan at any time without penalty.

  • Once you repay the total amount and the interest, the loan agreement is complete.

ZocaLoans provides its services online. That means a borrower could only be able to obtain a loan from ZocaLoans online and not by any other physical means.

How do I contact ZocaLoans?

The ZocaLoans customer support team is ready to help you whenever you need it. If you have any questions, the fastest response will always be to call at 1-888-980-1532. The customer service support team operates Monday through Friday from 8 a.m. to 8 p.m. Eastern. You may email at as well.

Also, you can send an email right from the home page of the official website. Go to its website, scroll to the bottom, and enter your name, email, subject, and message. Then, click the “send” button. Well done!

ZocaLoans provides services online and doesn’t have any physical stores.

If you prefer to use social media, find ZocaLoans on Instagram, Facebook, or Twitter if you choose to use social media.

Financial products

Personal loan
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™

Effective interest rate on the product

up to 795%

Loan term for the financial product

up to 90 days

Calculate loan payments in ZocaLoans

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

Loan amount

Enter the desired loan amount

200 $
1500 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with ZocaLoans

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 ZocaLoans 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 ZocaLoans’s reviews by September 2022
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