ZocaLoans Personal Loans
ZocaLoans Personal Loans
in Personal Loans from ZocaLoans

ZocaLoans Personal Loans

in Personal Loans from ZocaLoans
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Loan Amount $200 - $1,500
Loan Term (Months) N/A

ZocaLoans Personal Loans Review

ZocaLoans Personal Loans is offered by ZocaLoans, a nonbank financial services provider founded in 2016 and based in Mission, SD. ZocaLoans are available in 50 states (and Washington, DC).

Key Takeaways

  • Small-dollar loans. ZocaLoans Personal Loans has a maximum loan amount of just $1,500.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your ZocaLoans Personal Loans early.

ZocaLoans Pros & Cons

Pros Cons
  • Charges an origination fee.
  • Small loan amounts (maximum of $1,500).
  • Does not offer pre-approval with soft credit pull.
  • ZocaLoans Personal Loans does not report to credit bureaus.
  • Charges prepayment fees.
  • Charges a late fee

ZocaLoans FAQ

What interest rates and personal loan terms does ZocaLoans offer?

ZocaLoans has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does ZocaLoans offer?

ZocaLoans offers a personal loan product but they do not disclose their interest rates.

How much can you borrow via ZocaLoans?

Personal loan amounts start at $200and go up to $1,500

ZocaLoans Interest Rates & Loan Terms
Personal Loan Amount $200 - $1500
Loan Term N/A

What fees does ZocaLoans charge?

Does ZocaLoans charge an origination fee?

ZocaLoans may charge a personal loan origination fee.

Does ZocaLoans charge a late fee?

No, ZocaLoans will not charge you a late fee if you miss one of the monthly payments.

Does ZocaLoans charge prepayment fees?

No, ZocaLoans 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.

ZocaLoans Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

What do you need to qualify for ZocaLoans Personal Loans?

ZocaLoans Personal Loans does not require or does not disclose a credit score minimum.

ZocaLoans Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. ZocaLoans 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 ZocaLoans 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 ZocaLoans Personal Loans.

ZocaLoans Eligibility Criteria
Minimum Age N/A
Bank Account Required? No
Application Types Accepted
  • Individual Applications
Credit Score N/A

Are ZocaLoans Personal Loans legit?

ZocaLoans Personal Loans was founded in 2016. It is an established company that has been in business for 7 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 All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

About ZocaLoans Personal Loans


  Available in 50 states and Washington, D.C.
  • 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
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
APR Type Factor Based
Loan Amount $200 - $1,500

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