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Frequently Asked Questions
Zocaloansadvance.com provides a marketplace service where your loan request is submitted to a network of reputable lenders. Our service is always free--there is never a cost to you for submitting an inquiry. Your lender will have its own rates and fees that will be provided to you before you accept the loan. Zocaloansadvance.com is not a lender and does not make credit decisions.
New customers may have questions about Zocaloansadvance.com, which is why we have compiled the most common questions below. If you have a question that is not answered here, we are happy to answer your questions. Just complete the form on the Contact Us page and we will get back to you quickly.
If you have questions regarding a loan inquiry, approval, funded loan, payments or any other question about a particular loan, please contact your lender directly. If you received a loan, you should already have the lender’s contact information. Since we are not the lender, we cannot answer questions about pending or approved loans.
Q: What is a Cash Loan?
A: A Cash Loan is an unsecured loan that is typically meant for personal, family or household purposes, but there are no specific limitations on how one can be used.
Q: What is a Short-Term Loan?
A: A short-term loan is an unsecured loan that can be used to can address immediate financial needs. Short-term loans are also referred to as ‘cash advances’, and are commonly used to bridge your finances in between paydays.
Q: How much can I borrow?
A: At ZocaLoansAdvance, you can apply for a loan between $100 and $15,000. The amount you are actually approved for is dependent on a number of factors, including your income, employment, credit history, state of residence and the lender that you are connected with. In the event that you not approved for a loan amount, you may still be eligible to be approved for a lower amount. Simply follow the instructions provided on our application to apply for a lower amount in real-time.
Q: Can I be approved for a loan with bad credit?
A: At ZocaLoansAdvance, we believe that everyone deserves access to credit. Although credit is one aspect of your application that is assessed, our lenders consider a broad range of criteria to determine your eligibility, including your personal information, employment and state of residence. We work with lenders that provide loans for those with excellent credit, average credit or poor credit.
Q: How do I know if I’ve been approved for a loan?
A: ZocaLoansAdvance's application a 3-step, user friendly process that provides you with information every step of the way. After you have submitted your application, we begin to locate lender to approve your request. If a connection is found, you will be notified on our site in real-time. You will then be directed to your lender's site for instructions on how to finalize your loan. If we are unable to connect your application with a lender, we will direct you to additional options to help address your financial needs.
Q: I've been approved for a loan - when will I receive my funds?
A: If your application has been approved, you will be requested to review your lender's loan agreement. Once you have signed for your loan your funds are released, and typically received in your bank account as soon as the next business day.
Q: How long do I have to repay my loan?
A: The amount of time you are given to repay your loan depends on the type of loan you are connected with. Installment loans are paid back over multiple payments, usually between 12 to 60 months. Short-term loans, also commonly referred to as cash advances, are typically in the amount of $1,000 or less and are usually paid back on your next payday.
Since we are not a lender ourselves, the exact terms of your loan (including interest rates, repayment periods and monthly payment information) will be presented to you by your lender. Each lender uses their own policies to determine their terms, which often depend on the state you reside in, monthly income, and credit history.
Q: Is it possible to get an extension on my loan?
A: Most lenders offer loan extensions and alternative repayment options in special circumstances. We recommend that you contact your lender directly to discuss the options available to you.
Q: Can I only apply during business hours?
A: ZocaLoansAdvance accepts loan applications day or night, 7 days a week. Our network of lenders is open at all times, unlike conventional banks that are only open during business hours. Once you are approved on our site, you will receive instructions on how to finalize your loan with your lender.
Q: Is it safe to apply on this site?
A: ZocaLoansAdvance utilizes industry standard security protocol and enhanced 256-bit data encryption technology to ensure that your information is safe and secure while using our site.