Online Personal Loans up to $5,000

Any Credit History | Quick & Easy Online Form | Fast Decision


ZocaLoans is one of the companies, allowing you to get small personal loans when you need additional money.

If you are looking for a reliable service provider to get some help when you need it without getting yourself into bigger trouble, you should check out this review on this service provider before applying with it.

About ZocaLoans

It is operated by Rosebud Lending LZO (, a legit company, which specializes in providing short-term credit solutions to borrowers.

You can get small personal loans to repair your car, medical bills, travel, and more.

The company is headquartered in Mission, South Dakota.


The website is user-friendly, and you will easily find the information that you need.

For example, you can go through the FAQ section.

People with bad credit are welcome.

Their services are unavailable in a range of states, including the following: Colorado, Arkansas, Georgia, Maryland, New Jersey, New York, New Hampshire, Vermont, Pennsylvania, and others.

Since the states of operation are subject to change, you should check this information before applying.


The company allows people to apply for a loan in the amount ranging from $300 to $1,000.

The total payments and APR are indicated in the loan agreement that an application will get after applying.

Approximate APR is 795% and approximate payback is 12 payments.

If you are approved, you will get the money on the next business day, but it is possible to order a same-day payment that will cost you an additional $30.

If for any reason, you cannot pay your payment on time, you may be charged an additional $25 fee. However, there is no early payment fee.

How to Apply

The application process is very easy and it will take you a few minutes only.

You will need to provide the following information, which may be verified later:

  • Routing Number;
  • Debit Card Number;
  • Driver’s License Number;
  • Checking Account Number.

After submitting your application, you will be notified if you are approved and if it is so you will find out the amount that you will get.

You will get the documents to sign electronically and soon you will get your money.

Customer Reviews and Rating

There is no information about the business on the BBB’s website.

On Pissed Consumer, you can find 132 customer reviews and the total rating of ZocaLoans of only 1.6.

People complain about not receiving their money as promised, getting payments from their account in a higher amount, and more.


ZocaLoans seems to be a legit company, but there are lots of customers that are unhappy with their services, which resulted in a pretty low rating.

All in all, we cannot strongly recommend it at least you should read their conditions very carefully and ensure that you will not miss your payment in order not to pay high additional fees.

Don't waste your time. Get a loan online.

1 Star2 Stars3 Stars4 Stars5 Stars (2 votes, average: 5.00 out of 5)

Customer Comments and Reviews


  1. L. Hale

    Do not get loans from Zocaloans. Its a rip off company. For a $300.00 loan, I paid back $918.00. Even thou I paid some on loan, the interest never decreased. I had to pay the full interest which is like $700.00.


Please enter your review!
Please enter your name here