[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/zippyloan-review\/#Article","mainEntityOfPage":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/zippyloan-review\/","headline":"ZippyLoan Review 2025: Fast Money, But Use Caution","name":"ZippyLoan Review 2025: Fast Money, But Use Caution","description":"ZippyLoan Best For: People who need quick, smaller loans.Pros: You\u2019ll get a fast loan...","datePublished":"2019-01-02","dateModified":"2025-05-09","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/#Person","name":"Shannon Serpette","url":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/","identifier":63,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/zippyloan-review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/zippyloan-review.jpg","height":460,"width":1900},"url":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/zippyloan-review\/","about":["Personal Loans"],"wordCount":2458,"keywords":["schema"],"articleBody":"\t    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tZippyLoan\t\t\t\tBest For: People who need quick, smaller loans.Pros: You\u2019ll get a fast loan if you qualify, and you can apply no matter how low your credit score is. Cons: ZippyLoan isn\u2019t a lender, so they make no indications about what range of APRs you can expect or what fees you might face. Not all the lenders they work with report to the credit bureaus, so handling this loan responsibly may not help your credit. \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPR (Details)\t\t\t\t\t\t\t\t\t\t3.5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFees (Details)\t\t\t\t\t\t\t\t\t\t3\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransparency (Details)\t\t\t\t\t\t\t\t\t\t3\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFlexibility (Details)\t\t\t\t\t\t\t\t\t\t6\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFunding Speed (Details)\t\t\t\t\t\t\t\t\t\t10\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAccessibility (Details)\t\t\t\t\t\t\t\t\t\t8\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPRNot statedMINIMUM CREDITAny credit score is accepted.TERMS6 - 72 MonthsORIGINATION FEEDepends upon your lender.\t\t\t\tOur Review Methodology        We may receive a commission if you sign up or purchase through links on this page.  Here's more information.    Lending platforms are a good place to start if you need a loan but don\u2019t want to take the time to fill out multiple applications on several websites. They\u2019re also a good solution for people who don\u2019t know which lenders will accept them based on their credit scores.With a lending platform such as ZippyLoan, you can find out which lenders might be willing to do business with you by filling out only one application. This ZippyLoan review will go over the high points and low points of what this lending platform has to offer.Table of ContentsToggleZippyLoan OverviewZippyLoan DetailsHow to Apply at ZippyLoanZippyLoan Consumer ReviewsZippyLoan Pros and ConsZippyLoan Frequently Asked QuestionsAlternatives to ZippyLoanZippyLoan OverviewWhat Is ZippyLoan?ZippyLoan is a lending platform — it won\u2019t lend you any money, but it can find you a company that will. You\u2019ll fill out one form on ZippyLoan\u2019s website and they\u2019ll funnel out your information to their affiliate lenders.They\u2019ll then have the option to pass on it or try to set up a loan with you.ZippyLoan HighlightsThe loans you can receive through a lender you\u2019re linked up with through ZippyLoan are fairly small — anywhere from $100 to $15,000. Since it works with a number of affiliate lenders, you stand a good chance of securing a loan even if you have bad credit.ZippyLoan DetailsSince ZippyLoan is a lending platform and won\u2019t issue you money, it\u2019s especially important to understand the details of going through them to find a lender. You don\u2019t want any surprises that are going to derail your financial security or ability to repay your loan.APRThere\u2019s no guarantee what kind of rates you might get through a lender you align with through ZippyLoan.While some other lending platforms give a range of what APRs you might expect through their affiliate lenders, ZippyLoans does not. That might make you a bit nervous — and it should.Without a listed range of usual APRs, you might be way off base when it comes to what you expect and what you\u2019re offered. You have no idea of what the lender might propose.FeesOn their website, ZippyLoan states that, for common terms, prepayment won\u2019t result in a penalty. But it also says specific terms depend on the lender.So that means you won\u2019t know about prepayment penalties, or any other fees, until you read over the loan terms you\u2019re proposed.If you\u2019re not careful about weighing your options and fully checking into fees, you could be costing yourself a lot of money.TransparencyZippyLoan could do a better job of stating what you might expect from its affiliate lenders. The fact that it doesn\u2019t seems a bit lazy on their end — it wouldn\u2019t take much to post and provide continual updates on what APR ranges the lenders they work with are offering.ZippyLoan makes it extremely difficult to find their contact information on their site. There is no Contact Us section like you\u2019d see on many other websites.You have to go to a section about the privacy of your information to find any contact information for ZippyLoan.It should be much easier than that to find their contact information. It\u2019s frustrating to have to scour every page of a website to find a contact phone number or email address.If you\u2019re someone who needs a direct line of communication with a company you\u2019re using, you might not like ZippyLoan because of its lack of contact information.FlexibilityIf you have trouble making your payment on a loan through a lender you\u2019re linked to through ZippyLoan, you won\u2019t get any help through this site. That\u2019s largely understandably, though, since it\u2019s not a lending platform and not a lender.Funding SpeedThis is where ZippyLoan shines — its speed. It can help you quickly get money into your bank account when you most need it. It often makes it into your account the next business day.AccessibilityIt\u2019s nice that ZippyLoan is open to those with bad credit. It\u2019s not a guarantee that someone with bad credit will be issued a loan, but at least they have the opportunity to try.The only negative is that residents of New York, West Virginia, Oregon, or District of Columbia are not eligible to use ZippyLoan. That\u2019s not openly evident though — you have to read the fine print at the bottom of the screen to find that out.That might be frustrating to those who start the loan application only to learn they aren\u2019t eligible.Also, ZippyLoan doesn\u2019t give a clear picture of what you\u2019ll need in order to quality for a loan. It mentions that you\u2019ll need:An address.Income information.A bank account in your name.\t\t\tWhile ZippyLoan won\u2019t issue you money directly, they may be able to link you to a lender.3\/5 Rating\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t.st3-35384.btn.btn-default:hover{border-color: #4db848;color: #4db848;background: #fff !important;}\t\t\t\t\tVisitWe earn a commission on this offer.\t\t\tHow to Apply at ZippyLoanApplying is simple and can be accomplished in only 5 minutes.Step 1: Fill Out the Online FormYou\u2019ll have to request the amount of money you\u2019ll need, as well as the reason for the loan. You\u2019ll also have to key in your employment information, date of birth, and a few other details.Step 2: Read That Contract and Sign If You\u2019re ComfortableIf any of ZippyLoan\u2019s affiliate lenders want to offer you money, they\u2019ll send you a loan agreement. You absolutely need to review this carefully.You may even want a friend to look it over as well, if they\u2019re more knowledgeable about loans than you are.While reviewing any agreement is always important, it\u2019s even more critical here since ZippyLoan doesn\u2019t give a stated range of the APRs offered by the lenders they work with. You could expect something under 35 percent, and it could easily be much, much more than that — even in the hundreds.Since some of the lenders affiliated with ZippyLoan require that their loan will be paid back by the next paycheck the borrower receives, you\u2019re likely looking at some predatory payday loans that might cause you to enter a cycle of debt that it\u2019s hard to exit from. You should always find any alternative available to you to help with your financial issues — payday loans should always be your last resort.Step 3: Wait for Your MoneyIt should be there on the next business day, although, in some cases, it could take a little longer.ZippyLoan Consumer ReviewsReading consumer reviews can help you figure out if a company is as good as it seems.But you need to use caution when deciding how much weight to give these reviews — one bad review for every ten good ones doesn\u2019t mean you\u2019re looking at a bad company.Pleased customers don\u2019t always take the time to leave glowing reviews.Better Business BureauThe Better Business Bureau gives ZippyLoan an F rating — its worst rating available. Also, the site says that ZippyLoan is not BBB accredited.Out of the 16 customer reviews on the BBB site about this business, the average rating is only over one star out of five. But some of the reviews left haven\u2019t been by customers — they are from those who are tired of being contacted by ZippyLoan.This review, left by Mike S., said: \u201cI get at least 20 to 30 spam emails a week advertising Zippy loans and I too am totally fed up with it.\u201dA reviewer named Jack D. took his critique a bit further, saying, \u201cI think that whoever is sending the hundred plus emails I get every week needs to be beaten with a rubber hose. STOP.\u201dAnother reviewer named Henry K. was okay with the application process until he was asked to put in his checking account information and realized he couldn\u2019t even find a phone number to call ZippyLoan.The sole positive review came from Rita B. She didn\u2019t understand why ZippyLoan was being skewered in the reviews on the BBB website.\u201cReading others reviews, I have to say I am confused! Nothing negative has happened to me,\u201d she said, adding that \u201cthey are great if you pay it off in months, hard to swallow if you don\u2019t or can\u2019t.\u201dUser ReviewsZippyLoan doesn\u2019t have any reviews on Trustpilot, a well-known review website. But it does have 16 reviews on Revdex.Many of the reviews focus on the same issue as the ones on BBB\u2019s website did — the number of spam emails received whether or not the consumer ever did any business with ZippyLoan.One reviewer said, \u201cI keep getting e-mail from ZippyLoan every day. Numerous e-mails every single day. I have clicked on the unsubscribe button on every single e-mail the send and it does no good.\u201dAnother reviewer had the same issue and attempted to contact ZippyLoan about it. This reviewer said, \u201cI have also gone to Zippyloan.com website and tried to send an email to both support@zippyloan.com and privacy@zippyloan.com stating that I would like to unsubscribe, and both times received emails back saying that there was a failure and the mail did not go through.\u201dThere were no positive ZippyLoan reviews on Revdex.\t\t.st2-35382.btn.btn-default:hover{border-color: #4db848;color: #4db848;background: #fff !important;}\t\t\t\tApply NowWe earn a commission on this offer.\t\t\tAPRDoesn\u2019t list a range of APRs, depends on lendersMaximum Loan$15,000Minimum CreditAny credit score is eligible\t\tZippyLoan Pros and ConsAre you on the fence about ZippyLoan? Examining a list of pros and cons might help you decide.ZippyLoan ProsNo cost: It\u2019s a free way of finding multiple lenders who might be willing to offer you a loan.Open to bad credit: You don\u2019t need any certain credit score to qualify.Quick funding: You can get fast access to money.ZippyLoan ConsUnknown APRs: They don\u2019t state what range of APRs you might expect from their affiliate lenders. That can lead to some offers you\u2019d never even consider.Might not help your credit: It may not be a good credit-building option because not all of their lenders report to the credit bureaus. If you have poor credit, it might be a good idea to focus on loans that will help you boost your credit score.Some people can\u2019t use it: It\u2019s not available in every state.Unknown fees: The fees might vary widely from lender to lender, so it requires a lot of work on your part to sort out your offers.Hard-to-find contact information: ZippyLoan doesn\u2019t make it easy to find their contact information, which might be a red flag for some people. At a minimum, it can be frustrating if you have to spend a lot of time looking on its site for contact information.ZippyLoan Frequently Asked Questions.accordion-list .accordion-title:hover{color: #4db848;}Am I going to get one of those payday loans I\u2019ve been warned about through ZippyLoan?You might. Some of their lenders do require you to pay them back on your next paycheck. Those lenders are likely to charge astronomical APRs so proceed with extreme caution -- or better yet, find another loan.\u00a0It\u2019s also possible you won\u2019t be issued a payday loan and you may get a decent APR.What can I use this loan for?You get to decide whether you use it to catch up on your abnormal expenses, car repairs, or debt consolidation. While many lending platforms will ask you what you intend to use the money for, ultimately you can spend it however you\u2019d like.\u00a0Can I be linked up with a lending affiliate through ZippyLoan if I have bad credit?Yes, you can. But your chances of getting a loan will be higher if you have better credit. And if your credit score is really low, be prepared to get offers with extremely high APRs.If your credit is extremely poor, you should be aware that if you\u2019re offered a loan, it will likely be for a lower amount.Will I be able to get the full listed loan amount of $15,000?Even if you do qualify for a loan through one of ZippyLoan\u2019s affiliate lenders, it doesn\u2019t mean you will receive $15,000. Even if you request that amount, the lender may decide to offer you a lower amount based on your information such as your credit rating and income amount.What if I need to get an extension on my loan -- do I have any options?ZippyLoan can\u2019t help you with any financial issues you run into after you get your loan. If you run into trouble trying to make payments, the best course of action is to call your lender immediately to work something out.\u00a0Alternatives to ZippyLoan.btn.btn-blue.dift:hover, .btn.btn-default.dift:hover {color: #4db848;border-color: #4db848;background: #fff !important;}\t\t\t ZippyLoanBadCreditLoans.comCashUSAPersonalLoans.com \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPros and Cons\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBestFor\t\t\t\t\t\t\tPeople with low credit scores who need funds in a hurry\t\t\t\t\t\t\t\t\t\t\t\t\tQuick loans for those with poor credit\t\t\t\t\t\t\t\t\t\t\t\t\tThose who want help finding lenders who will work with them\t\t\t\t\t\t\t\t\t\t\t\t\tPeople who want competitive loan rates despite poor credit\t\t\t\t\t\tLoanAmounts\t\t\t\t\t\t\t$100 to $15,000\t\t\t\t\t\t\t\t\t\t\t\t\t$500 to $10,000\t\t\t\t\t\t\t\t\t\t\t\t\t$500 to $10,000\t\t\t\t\t\t\t\t\t\t\t\t\t$1,000 to $35,000\t\t\t\t\t\tAPR\t\t\t\t\t\t\tDetermined by lender\t\t\t\t\t\t\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\t\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\t\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\tMinimumCredit\t\t\t\t\t\t\tOpen to any\t\t\t\t\t\t\t\t\t\t\t\t\tCan be used no matter the credit score\t\t\t\t\t\t\t\t\t\t\t\t\tOpen to any credit score\t\t\t\t\t\t\t\t\t\t\t\t\t580\t\t\t\t\t\tTerms\t\t\t\t\t\t\t6 - 72 months\t\t\t\t\t\t\t\t\t\t\t\t\t3 - 36 months\t\t\t\t\t\t\t\t\t\t\t\t\t90 days - 72 months\t\t\t\t\t\t\t\t\t\t\t\t\t90 days - 72 months\t\t\t\t\t\tOrigination Fee\t\t\t\t\t\t\tDetermined by lender\t\t\t\t\t\t\t\t\t\t\t\t\tDecided by lender\t\t\t\t\t\t\t\t\t\t\t\t\tDetermined by lender\t\t\t\t\t\t\t\t\t\t\t\t\tDepends upon lender\t\t\t\t\t\tFundingSpeed\t\t\t\t\t\t\tCan be the next business day\t\t\t\t\t\t\t\t\t\t\t\t\tAs soon as the next business day\t\t\t\t\t\t\t\t\t\t\t\t\tCan be as fast as next business day\t\t\t\t\t\t\t\t\t\t\t\t\tCan be next business day\t\t\t\t\t\tCreditCheck\t\t\t\t\t\t\tNot stated\t\t\t\t\t\t\t\t\t\t\t\t\tSoft through them, may be a hard pull from the lender\t\t\t\t\t\t\t\t\t\t\t\t\tSoft through them, but possible hard pull through lender\t\t\t\t\t\t\t\t\t\t\t\t\tMight result in a hard or soft pull\t\t\t\t\t\t\t\t\t \t\t"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Fast Money","item":"https:\/\/moneydoneright.com\/fast-money\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Personal Loans","item":"https:\/\/moneydoneright.com\/fast-money\/\/personal-loans\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"ZippyLoan Review 2025: Fast Money, But Use Caution","item":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/zippyloan-review\/#breadcrumbitem"}]}]