Zippyloan Personal Loans
Zippyloan Personal Loans
in Personal Loans from Zippyloan

Zippyloan Personal Loans

in Personal Loans from Zippyloan
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Loan Amount $100 - $15,000
Loan Term (Months) Up to 60 months

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 across the USA.

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. Missing a payment can seriously damage your credit, but Zippyloan Personal Loans will not charge additional fees if you miss the due date on a payment.

Zippyloan Personal Loans Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • Does not offer pre-approval with soft credit pull.

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 $100and 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.

Zippyloan Personal Loans Interest Rates & Loan Terms
Personal Loan Amount $100 - $15000
Loan Term up to 60 months

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, go with 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 one of the monthly 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.

Zippyloan Personal Loans Fees
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 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. Zippyloan Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Zippyloan Personal Loans. Their rates fall within the limits of The Military Lending Act.

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
  • Recent bank statements
  • Driver's license
  • Proof of residence
Zippyloan Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
Credit Score 300 - 850 FICO

What is the estimated funding time for a personal loan via Zippyloan Personal Loans?

Zippyloan Personal Loans will typically approve (or deny) a loan application within 24 hours and fund loans within business day of approval.

Does Zippyloan Personal Loans report your account activity to credit bureaus?

Yes, Zippyloan Personal Loans reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

Are Zippyloan Personal Loans legit?

Zippyloan Personal Loans was founded in 2015. It is an established company with approximately 34 employees that has been in business for 8 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


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

About Zippyloan Personal Loans


  Available in 47 states
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

No Late Fees
No Origination Fee
No Prepayment Fee
Origination Fee ($) Up to $0
Origination Fee (%) Up to 0%
Accepts Savings Accounts
Checking Account Required
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Residence
  • Recent Bank Statements
  • Social Security Number
  • Income Statement
  • Employer Identification Number
Credit Score Range 300 - 850
Approval Speed 24 hours
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Customizable Payment Dates
Funding Time Range Starting at 1 day
Payment Options Automatic Payments
APR Type Variable APR
Loan Amount $100 - $15,000
Loan Term Up to 60 months

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