Use Zip19 to connect with lenders and receive an approval for a loan up to $1,000

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

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.

Read our article to learn more about how Zip19 works.

How do Zip19 Payday Loans compare with other loans?

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

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

• Can I repay my loan early?

  This depends on the individual lender. When reviewing your loan contract, be sure to voice this question as some payday loan lenders charge extra fees for early repayment.

• How long will it take for me to receive approved funds?

  Funds are usually deposited into your bank account on the next business day. It ultimately depends on the lender and your bank.

• Is having a checking account necessary?

  Most lenders that are part of Zip19’s network require applicants to have operational checking or savings accounts where they can transfer funds electronically.

• Will a late payment on a loan affect my credit?

  While not all lenders report to the big three credit agencies that handle credit, some might choose to report late or missing payments. This is at the discretion of the lender, and Zip19 has no control over your loan search once you find a suitable lender.

• What happens if I know my payment will be late?

  The best solution is to contact your loan provider and inform them. Usually, the lender will be willing to extend the payment deadline and find ways to help you through difficult financial times.

• I have come across consumer alerts about Zip19 operating without a license. Does that mean its loans are illegal?

  Zip19 does not offer loans, but always be sure to find out if a lender is legitimate before you borrow money.

• Are there any restrictions on what I can do with proceeds from my Zip19 payday loan?

  As long as you use the money for legitimate purposes, there are no restrictions on what you can do with the loan proceeds.