Zoca Loans Review

I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

Zoca Loans is an online loan provider that makes available personal loans and emergency loans quickly, even if you don’t have a perfect credit score.

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Our Partner

Personal Loans


  • Quick funding
  • Instant decision
  • Good credit not required
  • Friendly service
Overall Rating

Best for Small Personal Loans

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Pros & Cons


  • The quick and easy application process
  • Funding available same day or next business day
  • Robust customer support
  • Poor or bad credit is accepted


  • High-interest rates
  • Insufficient funds fees

There are many different short-term payday lenders out there that offer varying services at different interest rates. Are you searching for a lender that will meet your financial needs while remaining transparent about interest?

Do you feel that your credit score will hold you back from obtaining the loans you need?  Zoca Loans might just be the answer to your money troubles.

Zoca Loans is great for individuals in financial crisis with less than perfect credit scores or no credit at all. The five-minute application process is very simple and can be done from a computer or your mobile device. 

For this Zoca Loans review, we did thorough research to gather all the information a prospective applicant would need.  You’ll learn about the pros and cons of Zoca Loans, the services they offer, how to qualify for a loan, what type of person or situation is best for utilizing Zoca Loans, and we’ll help you consider whether their services are right for you. 

Let’s get started with a quick list of pros and cons.

Zoca Loans icon

Quick Summary

Estimated APR: Approx 795%

Loan Amount: $200 to $1,500

Min. Credit Score: No minimum credit score

About Zoca Loans

Zoca Loans is an online-only lender with the ability to push emergency loans and personal loans into your bank account on the same day of your application approval. 

Owned and operated by the Rosebud Sioux Tribe, Zoca Loans has a little more flexibility than conventional lenders when it comes to ascribing interest rates.

However, Zoca Loans must still operate by federal regulations.  Due to how they are managed, Zoca Loan’s interest rates can be high – sometimes in the triple digits.

However, repayment options are made clear in the loan agreement, making it easy for you to understand how to pay back your loan quickly with as little interest added as possible. 

Zoca Loans Services

Zoca Loan’s primary service is to provide individuals with emergency loans and personal loans in a quick fashion with an easy-to-use interface and application process. 

They are a short-term lender with the sole purpose of providing people with money who need it instantly. They provide loans to people with poor or bad credit, using their online system to approve or deny applications.

One service Zoca Loans provides to customers is instant fund transfer. If you apply Monday through Friday before 8:00 pm Eastern Standard time, the funds will generally arrive on the next business day – should you be approved.

In addition, Zoca Loans offers a same-day funding option. For a fee of just thirty dollars, you can opt to have your loan deposited in your bank account minutes after the approval process.

Another benefit offered by Zoca Loans is the ability to make prepayments without a penalty. This means that the faster you can make payments on the loan, the more you will save on interest.

To pay off your loan quickly, utilize Zoca Loans’ online system or call their support team directly - a robust staff that is available between the hours of 8:00 am to 8:00 pm Monday through Friday. 

How to Qualify for a Loan

Qualifying for a loan from Zoca Loans is an easy and intuitive process. This lender has a very low eligibility threshold, meaning that folks with poor or bad credit – or no credit at all – can be approved for loans regularly.

In addition, because Zoca Loans operates under Tribal law, it does not have to meet the minimum income regulations typically forced upon lenders by the state that they are operating in. 

However, you will still need to ensure you are in an approved state to be eligible. We’ve researched and provided a list of states where Zoca Loans does not operate. Zoca Loans does not operate in Arkansas, Colorado, Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, West Virginia, and South Dakota.

In addition to determining whether you live in a state where Zoca Loans operates, you will need to consider the following factors regarding your eligibility before you attempt to take out a loan. You will need:

  • To be a legal adult
  • To have a social security number
  • To have a working checking account
  • To be able to report a source of income
  • To be a permanent resident of the United States

Again, Zoca Loans does not have a minimum income requirement, nor do applicants have to have a minimum FICO score.

Who is Zoca Loans Best For?

Do you have a small emergency that requires the funding of two hundred to one thousand dollars? Perhaps your pet became ill, or you need to make a flight to visit a dying loved one.

It is situations such as these wherein we believe Zoca Loans is an apt choice.  Zoca Loans will lend consumers up to one thousand dollars, and these funds can be transferred into your account immediately after approval.

It is for these reasons we believe Zoca Loans is a smart choice for individuals seeking immediate financial help. It should be noted that due to Zoca Loan’s high-interest rates, their services may be best for people who know they will be able to pay off their loan quickly.

This is to avoid interest over time, which – without paying your loan back – could lead to even more financial stress.

All in all, after thorough research, we believe that Zoca Loans is good for a consumer who needs emergency loans or personal loans to quickly and easily make ends meet in the event of a financial emergency.

Compare to Other Lenders

Sofi logo
  • Loan Amount: Up to $100,000
  • APRs: 5.74% -20.28%
  • Min. Credit Score: 680
Credible logo
  • Loan Amount: Up to $100,000
  • APRs: 2.49%-35.99%
  • Min. Credit Score: 620
Upstart logo
  • Loan Amount: Up to $50,000
  • APRs: 6.95% - 35.99%
  • Min. Credit Score: 580

Should I Get a Loan with Zoca Loans?

Zoca Loans is an easy-to-use online-only lender that is perfect for individuals seeking immediate access to cash. The lender does not have minimum credit score or income requirements, making it convenient for people who are not making very much money or are rebuilding their credit or have no credit at all.

Although interest rates from Zoca Loans can be high, their convenient repayment options are clearly stated in their loan agreements.  Zoca Loans provides a couple of unique services.

This includes their instant deposit options, where you can either receive your funds on the next business day or pay a thirty-dollar fee to receive them instantly. Furthermore, Zoca Loans does not penalize individuals who want to make a prepayment. 

Although there are thirteen states in which Zoca Loans does not operate, their presence in the remaining thirty-seven makes them a viable option for your emergency loans or personal loans needs.

To be eligible, you need to meet a few simple requirements as outlined above. We believe that Zoca Loans is a great option for folks who need more immediate funding and who know they can make repayments regularly. 

Zoca Loans FAQ's

Is Zoca Loans a legitimate loan company?

Regulated by thee Rosebud Sioux Tribe and operating with transparency, Zoca Loans is indeed a legitimate loan company.

How long does Zoca Loans take to verify?

Zoca Loans online or mobile phone based system verifies your eligibility in seconds to minutes.

Can you pay off a Zoca loan early?

You can. Zoca Loans does not add a penalty for prepayment.

What is the minimum credit score a for Zoca loan?

There is no minimum credit score to qualify for loans at Zoca loans. In fact, they work with people with no credit at all.

What interest rates can I expect to pay on a personal loan?

As stated above in this Zoca Loans review, interest rates can be high at Zoca Loans. For example, you may face an interest rate of 795% on a $300 loan, which is why it would be best to borrow from Zoca Loans if you know you’ll be able to pay off the loan quickly.

Are you ready to get to know Zoca Loans and have easy access to cash immediately? Reach out to Zoca Loans today to get started.

Zoca Loans

You can get a personal loan without having a perfect credit score online today. Zoca Loans has the best small personal loan solutions for all cases.

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I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

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