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Get up to $15,000 by tomorrow with ZippyLoan

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Don’t waste time comparing lenders — this connection service can do the work for you.

ZippyLoan makes it easy to get a personal or short-term loan, even if you have bad credit. It doesn’t fund your loan itself — instead, it connects you with lenders that may be able to help. But with limited contact information and some bad reviews, you may want to consider your other options first.
Product NameZippyloan Personal Loans
Min Loan Amount$100
Max. Loan Amount$15,000
APRVaries by lender
Interest Rate TypeVariable
RequirementsPersonal information
Employment
State of residence

Pros

  • Easily apply for a decision within minutes.
  • Loans come with flexible repayment options.
  • Request up to $15,000 with no collateral necessary.

Cons

  • High interest rates.
  • Origination fees.
  • Late payment and prepayment penalties.
  • Must provide personal information
  • Employment details
  • State of residence

What is ZippyLoan?

ZippyLoan is a connection service that works with both short-term and personal loan providers when you need help finding financing. You can complete the online form quickly, and ZippyLoan will go through its network of lenders to see if you may qualify for a loan between $100 and $15,000.

However, you won’t know your exact terms until you complete the application with the lender. And there’s no guarantee you’ll even be connected with one. If you are, review your terms carefully — most poor-credit borrowers only qualify for a short-term loan, which can be costly.

What are the benefits of ZippyLoan?

From its flexible loan terms to its fast turnaround, here are a few perks of using ZippyLoan:

  • Quick turnaround. You’ll know if you’ve been connected with a lender shortly after you finish your ZippyLoan online form. And if approved, you may be able to get your funds as soon as the next business day.
  • Flexible loan terms. Some of the lenders in ZippyLoan’s network offer loan terms of up to five years. Others are more geared toward short-term issues and may be due within a few weeks.
  • Member of the OLA. ZippyLoan is a member of the Online Lender’s Alliance (OLA). This is an industry group that has a list of best practices for short-term loan connection services to ensure you’re fully informed during the borrowing process.
  • No collateral necessary. ZippyLoan only works with lenders that offer unsecured short-term loans. This way, you won’t have to worry about using an asset — like your car’s title — to back your loan.

What to watch out for

From its difficult-to-find contact info to its potentially high interest rates, consider these drawbacks before using ZippyLoan:

  • Potentially high interest rates. The average interest rate for a personal loan is around 10% if you have excellent credit. But if you’re only eligible for a short-term loan, you may have an APR well over 300%.
  • Bank account required. You can’t use ZippyLoan’s service if you don’t have an active checking account.
  • Negative reviews. ZippyLoan earns an F rating from the Better Business Bureau based on its high volume of customer complaints.
  • Unwanted emails and phone calls. Since ZippyLoan is a connection service, it shares your financial information with its network of partner lenders. This means you may have to field unwanted emails and phone calls from lenders — long after you’ve already taken out a loan.
  • Hidden contact info. You’ll have to dig to find a customer support email, which is only accessible through ZippyLoan’s privacy policy. This can be a red flag, so make sure you feel comfortable sharing your information with ZippyLoan before filling out its online form.

Compare other installment loan options

Rates last updated January 17th, 2019
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$5,000
1 business day
Must have direct deposit and meet minimum income requirements
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
$2,600
1–2 days
Must have an active checking account, regular source of income and email address.
Blue Trust Loans Installment Loans
Get an installment loan from an online tribal lender. Perks for returning borrowers.
$2,000
As soon as next business day
Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
$10,000
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
HonestLoans Installment Loans
Get a flexible installment loan with fast funding through one easy online application form.
$2,500
As soon as one business day
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.

Compare up to 4 providers

You might receive unwanted loan offers

Because ZippyLoan is a connection service, it sends your information to partner lenders within its network to see if you might qualify for a loan. But ZippyLoan might continue to share your personal details long after you’ve already taken out a loan, leading to unwanted phone calls and emails from lenders.

If you want to avoid this, you can email ZippyLoan at support@zippyloan.com — though it can take up to three months for your personal info to be deleted. If you’re worried about what information is shared, you might want to opt for a direct lender instead.

Is it safe to use ZippyLoan?

In general, yes — though no online company can ensure your information stays 100% secure. ZippyLoan does its part by using a standard 256-bit SSL encryption system to protect any details you enter online. However, like all connection services, your information will likely be shared with a number of third-party companies — even after you’ve gotten your loan. You can prevent some of this sharing by contacting ZippyLoan at privacy@zippyloan.com or by clicking the Unsubscribe link at the bottom of its website.

What does the Internet say about ZippyLoan?

Overall, the reviews for ZippyLoan aren’t positive. It’s not accredited with the BBB, but worse, it receives an F rating due to the large number of complaints filed against it. As of January 2019, nearly 25 individuals have left complaints about the company. And nearly all of the negative reviews centered around unsolicited calls, texts and emails from ZippyLoan and its network of lenders.

Am I eligible?

ZippyLoan doesn’t list any specific eligibility criteria in order to be connected with a lender. However, you’ll likely have a better chance of being connected if you meet the follow requirements:

  • Live in a state where short-term lending is legal.
  • Have a regular source of income.
  • Have an active checking account.
  • Are a US citizen or permanent resident.
  • Are at least 18 years old.

And while bad credit is accepted, you’ll need good credit if you want to take out a personal loan in larger amounts.

How do I get started?

Filling out the ZippyLoan form should take less than five minutes, provided you have all the information you need on hand. Follow these steps to get started:

  1. Click Go to Site at the top of this page to be redirected to ZippyLoan’s application.
  2. Select the loan amount you need, your monthly income, credit score range and the loan’s purpose. Click Get Cash Now.
  3. Enter your full name and date of birth. Click Continue to Step 2.
  4. Select your primary source of income, how you receive it, the frequency of your pay dates and your next pay date. Click Continue to Step 3.
  5. Enter your contact information, driver’s license number, Social Security number and bank account details.
  6. Read over ZippyLoan’s privacy policy and terms of use. Click Submit Application.

It may take up to five minutes for ZippyLoan to process your form and connect you with a lender. If it finds a lender that may be able to help, you’ll be redirected to its website to complete the application process.

What information do I need?

Have the following information on hand to make filling out the ZippyLoan form easier:

  • How much you’d like to borrow.
  • Your name, email address, phone number and home address.
  • Your Social Security number and driver’s license number.
  • Your employment and income information.
  • Your bank account information.

I was connected with a lender. Now what?

After you’re connected with a lender, you’ll be redirected to its website to complete the application. If you’re approved for a loan, read over the terms carefully. These should list out the amount you’re borrowing, interest rate, fees and how soon you need to repay your loan. If you have any questions, reach out to your lender’s customer service team before signing the dotted line.

Once you receive your funds, make a note of the repayment schedule. If possible, sign up for autopay so you don’t need to worry about making manual payments each month. Keep an eye on your bank account and loan balance. If you notice anything off or have any questions, contact your lender as soon as possible.

Bottom line

ZippyLoan may be able to connect you with a personal or short-term loan provider — even if you have bad credit. But you’ll need a bank account in order to qualify. And don’t be surprised if you receive unsolicited phone calls and emails from its network of partner lenders.

If you’d prefer to work with a direct lender instead, compare your other short-term and personal loan options.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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2 Responses

  1. Default Gravatar
    AngieJuly 14, 2017

    Can I use my savings account for a loan deposit or do I need a checking account

    • finder Customer Care
      AnndyJuly 15, 2017Staff

      Hi Angie,

      Thanks for your question.

      Zippy Loans require that you submit your bank information upon application. If you’d like to know if your particular type of bank account meets their eligibility criteria, kindly contact Zippy Loans directly to confirm.

      Cheers,
      Anndy

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