People with bad credit scores don’t have many options when it comes to loan types. They find it difficult to find a lender and are limited to certain loans. However, online lenders like Zoca Loans are always at people’s disposal to provide the best personal loans for them along with an easy application.
Zoca Loans is an online lender that provides simple, small loans to borrowers. It provides loans from $200 to $1,500. Its loan application is quick and easy, and within 10 minutes you will get a decision concerning your application. If approved, the loan amount will be deposited into your bank account on the next business day.
If you are worried about your bad credit score, put that aside because Zoca Loans doesn’t require a good credit score to qualify for a personal loan.
How Do Zoca Loans Work?
Zoca Loans is just like other online lenders. To apply for a loan, you need to meet the loan requirements and then you must fill out the loan application form directly from Zoca Loans’ official website. Within 10 minutes, you will find out if you are approved for the loan and how much credit is available to you.
Once you are approved for the loan, you must review the document and then E-Sign it to make sure that you have gone through the terms of your loan. The loan amount will be deposited into your bank account within 15 minutes of the next business day. For loan repayment, you will pay back on the scheduled repayment date you chose and repay your loan without any penalty.
Requirements for Zoca Loans
To be approved for Zoca Loans, you need to provide some documents that are crucial to your loan application. Here are the documents required:
- Drivers license
- Debit card number
- Checking account number
- Routing number
Zoca Loans requests the above-mentioned documents before you qualify for a personal loan with them. After providing all these documents, the next step is to apply for a loan.
Zoca Loans Application
Ready to apply for ZocaLoans? Then follow these easy steps we have provided for you. Firstly, go to the official website and then follow the prompts:
- Connect to the internet.
- Open your web browser and visit Zoca Loans official website.
- On the homepage, tap the APPLY NOW button
- You will be redirected to another page.
- Enter your name, date of birth, email address, Social Security Number, driver’s license, and the state that issued it.
- your driver’s license and the state that issued it.
- Enter your cell phone and work phone number
- After that, enter your loan amount.
- Agree to the terms and conditions.
- Tap the Next button.
- Enter your home address.
- Specify if it is rented or if you own the house.
- Tap the Next button.
- Enter your bank details such as routing number, bank name, and account number.
- Provide your monthly income and income type.
- Review your loan terms.
- Sign the loan agreement.
And there you have it. After following the steps of scrutiny, the next process is to review your application and submit it. Within 10 minutes, you will get a decision on your loan application. If you are approved for the loan, you will have to review and sign the loan documents. Then the loan amount will be deposited into your bank account.
ZocaLoans Sign In
Having a Zoca Loans account will be beneficial to you because, with an account, you can manage your loan amount and make payments for your loan. Here is how to sign in to your account:
- Connect to the internet
- Open your web browser and visit www.zocaloans.com
- On the homepage, tap the Sign In button located in the top right corner of the page
- You will be taken to the sign-in page.
- Enter your email address.
- Enter your password.
- Enter the captcha.
- Tap the sign-in button.
You will be taken to your account, and there you can make payments for your loan or manage your loan.
Zoca Loans Review
Zoca Loans offers loans from $200 to $1,500 to people with all credit scores. Even with a bad credit score, you can still be eligible for a loan. However, the interest rate is excruciatingly high, along with other fees too. One merit of ZocaLoans is that it doesn’t affect your credit score despite its soft credit pull.
Zoca Loans Repayment
When you want to repay your loan amount, you are given two options to choose from. You can consider bi-weekly or weekly payments. Regardless of which option you choose, it is best to set up an automatic payment to avoid late payment fees. Setting up automatic payment means that your monthly payment will be deducted from your bank account.
Zoca Loan Late Payment Fees
A fee will be charged if you are unable to make your loan payment due to insufficient funds in your bank account. Zocaloans.com will charge a fee of $25 for late payments. If your payment is more than 2 days late, an extra $25 fee will be charged.
Loan Companies Like ZocaLoans
After reviewing Zoca Loans and finding out that it is not the right lender for you, there are other options to go for. Several online lenders for people with bad credit are available online and they are:
- Blue Trust Loans
- Maximus Money
- Loans Angel
- Green Trust Cash
- Jora Credit
- Check N Go
- Money Key
- Aspen Financial Direct
- Bright Lending
- Ace Cash Express
- Amplify Funding
These are some online lenders like Zoca Loans. You can go online to check their official website for more details about the online lender.
How Do I Cancel Zoca Loans?
There are multiple ways to cancel your Zoca loans, and they are by phone or by mail. Here is how to cancel Zoca Loans by phone:
- Contact the Zoca Loans customer service team.
- Wait patiently in the phone queue until someone answers it.
- Explain why you want to cancel your Zoca Loan account.
- Follow the instructions provided by the customer care team.
Here is How to Cancel By Mail:
Email their support team at firstname.lastname@example.org and explain that you want to delete your ZOCA account. Your account will be removed after they reply to you.
ZOCA Loans Customer Service Phone Number
Do you have any questions about ZOCA Loans? Then contact their customer service number. If you visit the ZOCA Loans official website, scroll down the page and you will be able to see their customer care line. The customer care team will attend to all questions you have regarding your loan application, interest rate, payment fees, and other issues. You can also send a message to them through the following mailing address:
Rosebud Lending, LZO
P.O. Box 1147
27565 Research Park Dr.
Mission, SD 57555
Is Zoca Loans Legit?
Yes, it is. Zoca Loans are a part of Rosebud Lending. They operate in South Dakota and they are well-known for offering the best loan types and easy loan applications. They offer loans ranging from $200 to $1,500 for people with bad credit scores.
Does Zoca Loans Report to Credit Bureaus?
Yes, they do. Zoca Loans reports your performance to credit bureaus. They also report late and missed payments.
When Will I Receive My Funds?
After filling out the loan application form, you should get a response within 10 minutes. Typically, Zocaloans.com deposits the money into your bank account on the next working day. But if you want the money deposited in your account the same day, Zocaloans.com will do a wire transfer for an additional $30.
However, Zocaloans.com does not lend in all states. If you reside in New Jersey, West Virginia, Colorado, Arkansas, Georgia, Maryland, Maine, Connecticut, Massachusetts, New Hampshire, Pennsylvania, South Dakota, or Washington D.C., you can’t get a loan.