ZocaLoans is a short-term installment loans provider that allows you to borrow as much as $1,000 per application. Their quick funding allows you to get the money on hand in under 24 hours and their rapid decision-making software allows you to know whether or not you are approved within seconds of applying for a loan. Voted as one of the top direct lenders like Spotloan and LendUp, ZocaLoans is definitely here to stay.
With online loans like ZocaLoans, good credit is not always a requirement. In fact, many of the ZocaLoans alternatives we’ve listed below can help you get funding with credit scores as low as 400.
Most of the time, loans like ZocaLoans will wire the funds to your bank’s checking account within 1 to 2 days. You will then repay the loan with automatic ACH repayments which get pulled directly from the same account where the funds were initially sent. This process usually lasts 6 months or 12 payments (normally bi-weekly). However, borrowers can often repay early without penalty and with most lenders, flexible repayment schedules allow you to adapt the payments to your specific situation.
With the approximate APR at 795%, it’s worth taking a few minutes of your time to explore the other lenders like ZocaLoans that we’ve reviewed. There are many other loan options online with better loan terms. These online loans with monthly payments are great if you need fast cash even if your credit score is poor and you’re too tight to repay it immediately.
More Loans Like ZocaLoans
Best For: People with poor credit, but proof of future financial stability.
One of the first places worth looking into when seeking alternatives to ZocaLoans is USANewLoan. This well-reputed, yet not so mainstream lender allows you to borrow online installment loans with monthly payments. Loan amounts vary as they can provide financial services up to $35,000, but for their installment loans, USANewLoan maxes out at about $5,000. Getting approved is rather simple – you just need to prove future income. For instance, this could be a pay check, an upcoming inheritance, a dividend or any proof that you will be receiving money in the near future. Just like ZocaLoans, they are usually repaid in a number of payments which varies according to the loan amount you plan on borrowing and the duration that you desire. Most installment loans USANewLoan don’t surpass 12 months.
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Best For: People who want to get the best rates by instantly comparing hundreds of lenders.
BrightenLoans is a loan aggregator that allows you to instantly compare rates, loan terms and approval amounts by hundreds of lenders. They do not provide any direct loans, but they help connect you with the best lender for your specific situation. Enter a few basic details about your loan needs and yourself into their secure form and you will immediately be provided with details about your approval. If you wish to move forward, you will be redirected to the matched lender’s website, instantly viewing their loan proposal. The entire process takes roughly 5 minutes of your time and you’ll save hours upon hours by not having to manually compare lenders yourself. BrightenLoans connects you with quality lenders, allowing you to easily get installment loans online without any of the hassle that usually comes along with it.
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Slam Dunk Loans
Best For: Individuals who do not need loans larger than $2,500.
Slam Dunk Loans doesn’t provide installment loans like ZocaLoans, but instead they provide you with small personal loans. This means you’ll get to benefit from much lower interest rates than you would by taking out a loan with ZocaLoan. However, one of the major downsides is that Slam Dunk Loans has a loan cap of $2,500. If you don’t need any more money than that, you should strongly consider applying at this loan provider as you’ll be looking at the best loan terms in the industry. However, if you need more money than $2,500, you could still take out a loan with them and take out a loan for the remaining cash that you need with another lender, which still allows you to cut down on the costs. Slam Dunk Loans provides you with funding in as little as 1 day and they are secured by 256-bit technology.
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Best For: Those who want larger loans up to $35,000.
FindingLending is yet another useful tool for comparing loan rates and terms from some of the top lenders in the industry. If you want to make sure that you never overpay for your loans and that you get the maximum amount possible, FindingLending is a great tool to get the job done. Additionally, they allow you to borrow much larger amounts with loans reaching as high as $35,000. FindingLending is capable of comparing cash advance loans, installment loans and personal loans, so it’s a highly useful tool regardless of the type of funding you need. This is one of those financial resources that you’ll definitely want to keep in your bookmarks for a rainy day.
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Best For: Individuals who earn a minimum of $1,000 of income per month
If you have a stable source of income and you’ve been working at the same job for the past 3 months, CashRequestOnline is one of the great places to get online financing. They offer loans that range between $100 to $5,000 and like most of the loans like ZocaLoans we’ve mentioned, they can wire the funds in as little as 24 hours. Their installment loans will usually last anywhere from 6 to 12 months, but you can easily repay the entire loan sooner without having to deal with any early repayment fees. As an indirect lender, CashRequestOnline is partnered with over 100 different direct lenders in order to help you achieve the lowest APR, the highest loan amounts and the most convenient loan repayment schedules according to your specific demands. With a stable income, CashRequestOnline is certainly a top contender.
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Best For: Applicants with poor credit history or a low credit score.
MoneyPup Loans are short-term personal loans that vary between $100 to $2,500. You can easily fill out their form in a matter of minutes and in most cases, you will receive an approval decision in under an hour. MoneyPup Loans are very simple to apply for, but they are also easy to get approved for. Their specialty is dealing with poor credit history applicants, so if you have a low credit score or no credit history to show, then MoneyPup Loans can help you achieve the fast funding that you seek. Their highly secure application form along with their fast results allows you to get your hands on the cash you need in as little as 1 business day. Definitely another one of the top lenders like ZocaLoans worth adding to your bookmarks.