Zingo Cash Loans Illinois installment loans reviewSeptember 2018 | finder.com
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Zingo Cash Loans

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Zingo Cash will help with an installment loan in Illinois, even if you have less-than-perfect credit.

If you feel trapped by your short term loans, you can consolidate with Zingo Cash of Illinois. They offer installment loans of up to $2,500 for first-time borrowers. Different terms are available and you don’t have to pay penalties if you repay ahead of time. Find out more about the benefits of Zingo Cash in our review below.

Borrowing from Zingo Cash

To get a loan with Zingo Cash, you must fill out an online application and meet the eligibility criteria. In minutes you will find out if you are prequalified. You then will need to provide JPG and PDF format proof of income and a bank statement of the last 30 days.

Once you accept the terms of the loan such as term and monthly payments, Zingo Cash transfers the money into your checking account. You can choose to prepay the loan early by contacting the Zingo Cash customer service team.

How does Zingo Cash Loans compare?

Rates last updated September 24th, 2018
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
LendYou Payday Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
CashUSA Installment Loans
$10,000
As early as 1 business day
Monthly income of $1,000+ after taxes and valid 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.
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$5,000
1 business day
Open to residents of AL, AK, AZ, CA, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, MI, MN, MO, MS, MT, ND, NE, NV, NM, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WI and WY. Must have direct deposit and meet minimum income requirements.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
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.
ACE Cash Express Payday Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

Compare up to 4 providers

Why should you consider a Zingo Cash installment loan?

You can consider getting an installment loan from Zingo Cash for the following reasons:

  • Apply if you have bad credit. Zingo Cash runs credit checks, but it does offer loans to people with poor credit. Each application is evaluated on an individual basis, and Zingo Cash tries to work out a solution suitable to your circumstances. Missed payments on previous loans doesn’t disqualify you from getting a Zingo Cash loan, but you have to demonstrate an ability to repay your loan.
  • Cheaper than payday loans. Payday lenders in Illinois can charge up to a 408% APR for terms as little as 13 days, but Zingo Cash charges a maximum 98% APR for a minimum term of six months.
  • Variable loan amount. If you’re a new customer, you can borrow between $500 and $2,500. Returning borrowers can borrow up to $4,000. The maximum you can borrow depends on your existing financial situation, your credit rating and your ability to repay.
  • Variable loan term. Unlike payday loans that you repay by your next payday, Zingo Cash provides loan terms between 6 and 24 months for new borrowers, and 6 and 48 months for returning borrowers. You can prepay your loan early without worrying about prepayment penalties.

How much will it cost to borrow from Zingo Cash?

The maximum APR is 98%, but there are no fees upfront. If your bank returns your payment, you may have to pay additional fees. If you feel you may not have sufficient funds in your bank account to cover the next payment, you should get in touch with Zingo Cash to make alternative payment arrangements.

Your loan contract tells you the APR and any other fees you’ll have to pay.

Are Zingo Cash loans safe?

Zingo Cash only provides loans in Illinois and abides by all state laws. While you can get a Zingo Cash loan easily, the company advises borrowers to review their loan contracts carefully so they understand their obligations at the onset.

Zingo Cash lets borrowers pay off their loans before the loan term ends without charging any additional fees. By paying off your loan early, you can save on interest.

Here’s how you can apply for a Zingo Cash loan

Start the process by clicking on the “Go to Site” button now. Before you begin, check that you meet the following eligibility criteria:

  • At least 18 years old
  • Checking account
  • Steady source of income
  • American citizen or a permanent resident of the US
  • Resident of Illinois

You’ll be required to provide the following information on your application:

  • Your name and details from an approved ID
  • Your email address, home address and phone number
  • Your housing status and time spent at current address
  • Details about your employment and income

Frequently asked questions

Elizabeth Barry

Elizabeth is an editor for finder.com.au specialising in personal finance and fintech. She enjoys reading PDSs so you don’t have to.

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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

Go to site