Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
N/A
Amount Range
$100 - $15,000
Loan Term (Months)
Up to 60
Zippyloan Personal Loans Review
Zippyloan Personal Loans is offered by Zippyloan, a marketplace lending platform founded in 2015 and based in New York, NY. Zippyloan Personal Loans are available in 47 states.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- No origination fee. Zippyloan Personal Loans does not charge a loan origination fee.
- No late fees. Zippyloan Personal Loans will not charge additional fees if you miss the due date on a payment.
Zippyloan Personal Loans Pros & Cons
| Pros | Cons |
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Zippyloan Personal Loans FAQ
What interest rates and personal loan terms does Zippyloan Personal Loans offer?
Zippyloan Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Zippyloan Personal Loans offer?
Zippyloan Personal Loans offers a variable APR personal loan product but they do not disclose their interest rates.
How much can you borrow via Zippyloan Personal Loans?
Personal loan amounts start at $100 and go up to $15,000
What is the maximum loan term you can get with Zippyloan Personal Loans?
Zippyloan Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $100 - $15000 |
| Loan Term | up to 60 months |
| APR | N/A |
What fees does Zippyloan Personal Loans charge?
Does Zippyloan Personal Loans charge an origination fee?
Zippyloan Personal Loans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Zippyloan Personal Loans charge a late fee?
No, Zippyloan Personal Loans will not charge you a late fee if you miss payments.
Does Zippyloan Personal Loans charge prepayment fees?
No, Zippyloan Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | up to 0% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Zippyloan Personal Loans?
When it comes to credit scores, Zippyloan Personal Loans doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Zippyloan Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Zippyloan Personal Loans. Not all companies will work with visa holders. Zippyloan does offer its services to temporary resident visa holders such as F1 or H1B holders.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking or savings account
- Bank account information
- Driver's license or other government photo ID
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | 300 - 850 |
What is the estimated funding time for a personal loan via Zippyloan Personal Loans?
Zippyloan Personal Loans will typically fund loans starting at 1 business day of approval and clearing necessary verifications.
Does Zippyloan Personal Loans report your account activity to credit bureaus?
Yes, Zippyloan Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Zippyloan perform a hard credit pull?
Yes, Zippyloan Personal Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are Zippyloan Personal Loans legit?
Zippyloan was founded in 2015, it is a well-established company that has been in business for 11 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
7:00AM - 7:00PM
Tuesday
7:00AM - 7:00PM
Wednesday
7:00AM - 7:00PM
Thursday
7:00AM - 7:00PM
Friday
7:00AM - 7:00PM
Saturday
7:00AM - 12:00PM