Zippy Loan Review | Loans Like Zippy Loan | Credit Raters us-lenders
Last updated: 28th Feb 2020

ZippyLoan Review 

ZippyLoan is an online financial lending platform that connects borrowers with multiple legitimate and trusted lenders. The good thing with ZippyLoan is that you’ll have access to a wide range of lenders, therefore saving you plenty of money and resources finding lenders. 

Once you apply for a loan with ZippyLoan, you will be matched with the most suitable lender based on your individual needs and qualifications. On average, you can access loan offers that range between $100 and $15,000. Unlike most online lenders, ZippyLoan interest rates are quite affordable. While the rates vary from one lender to the other, the rates range between 5.99% and 35.99%.

ZippyLoan makes it easy for everyone to qualify for a loan. Unlike most lenders who require specific a specific credit score, with ZippyLoan, all credit types are qualified to apply.

If you are planning to use ZippyLoan services for your financial needs, here is an in-depth review of everything you need to know about ZippyLoan. 


How Much Does Zippy Loan Cost? 

While payday loans are a reliable way to solve emergency financial challenges, if you are not careful, these loans can be a debt trap. That’s why it’s highly recommended that you understand all the terms of a specific lender before signing up a loan agreement with them. You are not under any obligation to sign any loan offer presented to you. 

Since ZippyLoans partners with numerous lenders to provide loan facilities, the rates and terms may vary a little. But one sure thing that you should be aware of is that ZippyLoan doesn’t charge any fee for using its platform. When applying for a loan with ZippyLoan, here is what to expect;

  • Loan amounts – $100 to $15,000
  • Repayment term – 6 to 60 months 
  • Disbursement time – next business day or more. 
  • Credit score limit – none 

In terms of the APRs, it varies depending on a few factors. For instance, if your credit score is better to excellent, then you can expect better rates as compared to a borrower with poor rates. 

However, you should note that ZippyLoan doesn’t have control over the interest rates that lenders in its platform charge. Nevertheless, here are a few factors that ZippyLoan lenders consider when determining the APRs. These include;

  • Employment status 
  • Current FICO credit score 
  • Credit  history 
  • Annual income 
  • Debt-to-income ratio 
  • Residential state 
  • Loan amounts 
  • Repayment terms 
  • Type of loan 


Key features of the ZippyLoan Loans 

ZippyLoan is indeed a great place to request for a loan in case if an emergency need. Besides offering you money even within the next business day, ZippyLoan lenders loans aren’t secured, and therefore, you don’t need any collateral like your house or car to secure the loan. 

Additionally, ZippyLoan loan doesn’t have a minimum credit score required to apply for a loan. While a poor credit may attract more interest, it’s worth trying if it’s the only place that you can find help. 

As for the repayment period, ZippyLoan lenders offer flexible repayment terms. For instance, large personal loans, you can repay with monthly installments of up to 60 months. However, for short-term loans, you may be required to repay your loan on your next pay date. 

Besides, ZippyLoan lenders offer a wide range of loan amounts. You can get as much as $15,000, and I bet your financial emergency falls below this limit. However, it’s not a guarantee that you will automatically qualify for the $15,000. The exact amount that you’ll qualify for is based on factors such as your income, credit history, and lender’s policies among others. 


  • Fast funding 
  • No collateral 
  • Wide range of loan amounts – $100 to $15,000
  • No credit score limit 
  • Fast application process 
  • Access to a wide pool of lenders at the same place 


  • Your information is shared with lenders 
  • High APRs 
  • Not available in some states 



What happens if I miss a payment? 

Since ZippyLoan is a platform with numerous lenders, it’s not possible to say precisely what will happen if you miss a payment. However, if you already have a loan with a specific lender, you can revisit the loan agreement and check the late payments policy. Most online lenders, as well as banks, charge a late repayment fee. 

If you worried that you wouldn’t be able to make a payment, the best thing to do is to contact your lender. Some lenders are quite friendly and can grant you an extension. If that is not an option, you can look for other lenders with a refinance option. However, while online loans are easy to apply and get, take care not to overcommit yourself and end up getting into worse financial debts. 

Is ZippyLoan a scam? 

Not at all. ZippyLoan is 100% legit, and it’s registered with the Better Business Bureau. As well, all the lenders at the ZippyLoan platform are legit and trustworthy. 

How much can I qualify for with ZippyLoan? 

The specific amount you’ll qualify for with ZippyLoan lenders will depend on several factors. For instance, if your credit history, credit score, and income are between good to excellent, then you may qualify for a larger loan amount. 

On the other hand, if your income and credit score is not that good, then you can expect to qualify for a lesser amount. ZippyLoan lenders offer loan amounts ranging from $100 to $15,000. 


Eligibility Criteria 

ZippyLoan is licensed and it’s therefore bound to work under specific conditions. In this regard, the ZippyLoan platform has eligibility criteria that every borrower must meet to be considered for a loan with them. They include;

  • Be 18 years of age or older
  • Have a US checking account 
  • Be a permanent US resident or Citizen 
  • Have a regular source of income between $1,500 to $3,600 per month 
  • Have a valid Social security number 


State availability

With ZippyLoan, residents of all the US states can apply for a loan. However, for Payday loans, the following states are not eligible;

  • New York 
  • Oregon 
  • Washington, DC 
  • West Virginia 


Customer support 

For complaint or inquiry regarding ZippyLoan or one of its lenders, you can contact the company. Its customer support team is very friendly and always ready to respond to all your queries. 


Application process 

To apply for a loan with ZippyLoan, it’s easy and will only take about 5 to 10 minutes of your time. Additionally, it’s secure, so you can rest assured that your information won’t Leak on the wrong hands. You can use your mobile phone or computer to apply. 

When applying, you will be required to provide the following details;

  • Name 
  • Social Security Number 
  • Date of birth 
  • Phone number 
  • Employment details 
  • Email address 
  • Driver’s license number 
  • Loan purpose
  • Loan amount requested 
  • Credit score range 
  • Contact information 
  • Bank account information 

After you submit your application, ZippyLoan will match you with the most suitable lender. However, it’s also important to note that ZippyLoan shares your information with lenders who give you a loan offer. 

Once you’re matched with a particular lender, you’ll need to complete another simple loan application from the lender. 

Once your loan is approved, you will be sent a loan agreement to e-sign. Make sure you read and understand every small detail in that agreement before signing the contract. Once you’re done signing, you can expect to collect your finds as fast as within the next business day. 



A loan with ZippyLoan could be a reliable solution for all your financial emergencies. And the good thing with ZippyLoan is that it’s ideal for individuals of all financial standings. Even if your credit score is bad, you will find help here at Zippyloan. Why don’t you try your luck with ZippyLoan today!