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Lender
Rating by Finanso®
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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.

ZuntaFi

Finanso.Multilogin™

About lender

ZuntaFi is a servicer providing student loans of different types. The services you can apply with ZuntaFi are student loans for undergraduate, graduate, medical school students, flight school loans, and student loan refinance.

ZuntaFi was previously known as Reunion Student Loan Finance Corporation. It became ZuntaFi in 2020. ZuntaFi offers iHELP loan options. These are loans from community banks. The parent company of iHELP is the same as ZuntaFi's - Reunion Student Loan Finance Corp.

The company is present in eleven states, though the state eligibility varies depending on the type of loan and a specific option. The company states it has 40 years of experience in education loans.

ZuntaFi also affirms it handles the entire journey of a loan, from the application to the last repayment. Keep in mind the company is a servicer, not an actual lender. It connects you with the lenders.

Pros and Cons

Pros

  • Flexible repayment options,

  • Students can refinance parent PLUS loans in their name,

  • Many loan terms and APR options.

Cons

  • A borrower needs to provide two years of credit history,

  • No pre-approval procedure,

  • Only available in a few states,

  • Not working properly mobile app.

Funding a Loan

ZuntaFi doesn't have pre-qualification, so you will need to go through the hard credit check when applying. It will hurt your credit score a bit, as the request is shown on credit report.

The interest rate is also vague until you get the offer from a company in e-mail. However, the range of APRs is competitive, and if you are looking for a refinancing option of your student loan. ZuntaFi has hybrid rates and repayment protection.

Sometimes ZuntaFi cannot provide you with transparent information on terms, rates, co-signer release, or repayment programs. It is due to ZuntaFi not being a lender, but a mere servicer. It connects you with the community banks, and those banks issue loans.

Consumer Loans

ZuntaFi is focused on servicing private student loans. However, it has an option for new applicants consumer loans. It provides its partner financial institutions with customer service. Its partners can direct their new applicants or existing ones to 24/7 detailed reporting, so the customers can get the service from a professional staff based in South Dakota.

Reviews

FAQ

Is ZuntaFi a federal student loan?

ZintaFi services private student loans. The loans are issued by the community banks ZuntaFi partners with.

Is ZuntaFi trustworthy?

Yes. The company has changed its name. It does the business in education debts for more that 40 years.

Company documents

State Notices
CA Disclosure
Terms of Use
Privacy Statement

We manage the entire journey of the loan; from origination to servicing to collections, we handle it all with experience and personal service.

© ZuntaFi

Financial products

ZuntaFi
Consumer Loans
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
$1,000-$100,000
Rate
i

Effective interest rate on the product

up to 7.78%
Term
i

Loan term for the financial product

up to 20 years
ZuntaFi
Student Loans
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
up to $100.000
Rate
i

Effective interest rate on the product

up to 7.78%
Term
i

Loan term for the financial product

up to 20 years

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Rating by Finanso®
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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.

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Recommended FinScore™
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$5,000 - $40,000
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Effective interest rate on the product

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Loan term for the financial product

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MaxLend
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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™
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650
1000
$100-$3,000
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Effective interest rate on the product

up to 841%
Term
i

Loan term for the financial product

up to 300 days
Opploans
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Rating by Finanso®
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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™
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650
1000
$500-$4,000
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Effective interest rate on the product

up to 160%
Term
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Loan term for the financial product

9-18 months
Avant
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Rating by Finanso®
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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
$2,000-$35,000
Rate
i

Effective interest rate on the product

up to 35.99%
Term
i

Loan term for the financial product

24-60 months
Mariner Finance
Unexpected Expenses
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
$1,000 - $25,000
Rate
i

Effective interest rate on the product

18.99% - 35.99% APR
Term
i

Loan term for the financial product

12 - 60 months

Calculate loan payments in ZuntaFi

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

Loan amount
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Enter the desired loan amount

USD
USD
1000 $
100000 $
Loan term
i

Specify the loan term for the calculation

months
days
144
240

What to focus on before applying for a loan with ZuntaFi

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 ZuntaFi 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 ZuntaFi’s reviews by October 2022
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