Requesting a personal loan is easy with Zoca Loans. Fill out one easy form on Zoca Loans and your inquiry will be submitted to our large network of lenders. Loan amounts range from $100 to $1,000 (exact amounts vary based on lender programs and your state of residence). You can have a response from one of our lenders the same day, and often within minutes. Once your loan is approved, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, the lender will deposit money directly into your bank account as quickly as the next day.
Most lenders have the following requirements to be approved:
To be accepted by most lenders in our network, you should:
Through our secure technology, we will find a lender in our network that is willing to take work with you based on the information you submit. Once we have a lender ready to work with you, that lender will contact you to get any additional information they might need (such as verification of employment, pay stubs, etc.).
After your lender has taken and approved your request, cash will be deposited directly into your bank account. That means you don’t have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.
We use industry-recognized security and advanced encryption technology to protect your personal information.
If you authorize your lender to take payment via automatic withdrawals (known as "ACH transfers"), then your loan payments will be paid automatically directly from your bank account. This means each payment will be on time and you won’t have to worry about missing any payments or incurring any late fees.
Late payment policies can differ among lenders. Please make sure you read and understand the loan agreement and your lender’s late payment policy before accepting the loan. In some states, late fees may be limited by law. In other states, late payments may allow the lender to charge late fees and may accelerate the loan making it due in full immediately.
NOTE: Before agreeing to a loan, please make sure you can make your loan payments in full and on time. We support the responsible use of personal loans and recognize that nobody knows your situation better than you.
State law may limit or prohibit a lender’s ability to extend or "roll over" your loan. Consult with your lender if you need a loan extension.
If you can’t make your loan payments on time, you may be in default of your loan obligations. If that happens, your lender may try and secure repayment from you using debt collection methods that are professional, fair and in compliance with the law. Lenders should always follow the Fair Debt Collection Practices Act guidelines when attempting to collect loans in default. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future personal loans.
Zoca Loans provides the convenience of applying for a cash advance from the privacy of your own home or on the go. There is no longer a need to wait in a physical line to solve your financial troubles - whether you are running short this month or just in need of some extra spending money before next payday, Zoca Loans is the most trusted source for borrowing cash when you need it most.
We take your privacy and security concerns very seriously. Utilizing industry-standard data encryption technology, we ensure that your information is protected at all times, during and after your loan application.
To learn even more about the process, visit our Frequently Asked Questions page.
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