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Zip19 Payday Loans

You can get a payday loan of up to $1,000 – Zip19 will find a lender for you.

Zip19 is a loan-matching 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.

Like all payday loans, you must repay the principal and interest by your next payday.

While you can apply for a cash loan through Zip19 with poor or bad credit, you still have to meet lending criteria set by providers in order for your application to be approved.

How do Zip19 Payday Loans compare with other loans?

Rates last updated August 18th, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs
LendUp Payday Loans
7–30 days
Generally receive the money the next business day
Depends on your state, loan product, loan amount and the term of the loan.
Check into Cash Payday Loan
Varies by state
1–2 business days
Varies depending on the amount and your state of residency.
CashNetUSA Loan
Varies by state
Varies by state
1 business day
Varies by state of residency.
ACE Cash Express Payday Loans
Varies by state
Varies by state
Generally receive the money the next business day
Varies depending upon the state where you reside.
Check City Payday Loan
Depends on state of residency
Varies by state
Next day
Depends on state of residency.

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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.

Find out your credit score here

Features of a loan from Zip19

  • Quick application. Applying online is simple! Simply go to their website and follow the instructions to find lenders who match your needs.
  • Bad credit is OK. If you don’t have the best credit, that’s okay. Zip19 will match 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.

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.

Rates last updated August 18th, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs
US Payday Cash Fast Loans
Next payday
Next Business Day
$25 to $30 for every $100 borrowed

Compare up to 4 providers

How you can 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

Frequently asked questions

A payday loan, also known as a cash advance loan, is a short-term personal loan (typically $500 or less) that usually must be repaid within two weeks to a month. The repayment date is determined by your pay schedule. Because payday loans come with steep finance charges, it is not a long-term solution, but a temporary fix to an unexpected financial situation. Rules and regulations for payday loans vary from state to state.

There are a few things you should know about cash advances in order to make the right decision for you and your family. First, you should generally only take out a cash advance in emergency situations because this type of loan is typically a short-term, one-time solution. If you have structural financial problems that cause you to have difficulty repaying debts, you should consider credit counseling.

Second, you’ll want to make sure you can repay your cash advance in a timely manner. Missing the due date on your repayment will result in additional charges. Avoid digging yourself into a deeper financial hole by taking on debt you can’t afford.

Third, before accepting a cash advance, be sure to read the lender’s terms and conditions carefully. It’s important to read the fine print so you know exactly what you are paying and when it is due.

No, there are no application fees.

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.

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

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

Yes. Zip19 does not charge you a fee to fill out online forms. They work on commissions from lenders they match you with, and these lenders may charge fees for loans.

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.

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.

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

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

Typically, you’ll have to repay the loan by your next payday or the one that follows.

Are payday loans available in my state?

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