Zip19 Payday Loans

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Connect with lenders offering up to $1,000.

Zip19 is a loan-connection service that works to find suitable payday loans for you by reviewing the information you provide in your application. Lenders who partner with Zip19 network provide payday loans of up to $1,000.


Min. Amount


Max. Amount

Same business day to 1 business days

Turnaround time


Product NameZip19 Payday Loans
Min. Amount$100
Max. Amount$1,000
Loan TermVaries
Turnaround TimeSame business day to 1 business days
Costs$22.98 for every $100
RequirementsChecking or savings account, $1,000+ monthly income, live in IL, ages 18+, US resident

How does borrowing from Zip19 work?

Because Zip19 is not a lender, you don’t borrow directly from them. Instead, you fill out an online application and they search their database of lenders to find the best fit for you.

If a lender approves your application, you receive a loan contract that you can choose to accept or deny. If you agree to the terms, the lender transfers the money into your bank account as soon as the next business day, then on the due date the lender debits the funds from the same account.

How much you can borrow depends on how much you earn, state laws and the lender’s maximum limit.

Before signing a loan contract, always make sure you have the ability to repay your borrowed funds, including the principal and accrued interest. Payday loans are known to have high APRs, and if you make a late payment or miss one entirely, it could lead to more fees and charges against you.

There’s more you should know about payday loans before you apply

How do Zip19 Payday Loans compare with other loans?

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
No green card? You could still qualify for a personal loan.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.

Compare up to 4 providers

Zip19 reviews and complaints

Zip19 doesn’t have a BBB or Trustpilot page. If you choose to use its service, check that the lender you’re connected with is legit before you sign a loan contract.

What can you expect from a Zip19 loan?

  • Quick application. Applying online is simple! Simply go to their website and follow the instructions to find lenders who fits your needs.
  • Bad credit is OK. If you don’t have the best credit, that’s okay. Zip19 will connect you with lenders who accept individuals with a less-than-perfect credit history.
  • Variable loan amount. Whether you need a couple hundred dollars or a thousand, you will have the option to search for lenders who can get you the money you need.
  • No collateral. These are unsecured loans so they don’t require collateral of any kind.

Is borrowing from Zip19 safe?

The Zip19 application page uses HTTPS connection to keep your personal information safe.

Once you’re connected with a lender, make sure it’s legit

What fees does Zip19 charge?

Applying for loans through the Zip19 is completely free. However, the loan provider you sign with will likely charge a financing fee on top of high interest rates. Along with the terms of the loan, the loan offer document lists all the fees and charges you might have to pay.

If you find the fees to be too high, you are under no obligation to accept the contract.

How can you get your loan application started?

Completing the online application is quick and simple provided you have the materials you need close at hand.

Eligibility criteria:

  • You are a citizen of the US
  • You are at least 18 years old (varies by state)
  • You earn at least $1,000 per month
  • You have a valid checking or savings bank account

Required documents & information:

  • Your complete name and postal address
  • Your employer’s name, phone number, address and duration of employment
  • Your bank account number, ABA/routing number and bank phone number

Are payday loans available in my state?

Frequently asked questions

Learn more about borrowing through Zip19 with these answers to standard questions.

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