How It Works
Requesting a loan is easy with Zoomadvances.com. Fill out one easy form on Zoomadvances.com and your inquiry will be submitted to our large network of lenders. Loan amounts range from $100 to $5,000 (exact amounts vary based on lender programs and your state of residence). You typicall receive a response from one of our lenders the same day, and often within minutes. If your loan request is approved, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, the lender will deposit money directly into your bank account as soon as the next business day.

Most lenders have the following approval requirements:

Have a steady source of income (e.g. employment, SSI, etc.).
Be a US citizen or a permanent resident, and over the age of 18.
Have an income of around $1,000 per month after tax deductions.
Have a checking account in your name.
Provide a working telephone number for your home and work.
Provide a valid email address.
Quick Inquiry Process
Through our secure technology, we will find a lender in our network that is willing to take work with you based on the information you submit. Once we have a lender ready to work with you, that lender will contact you to get any additional information they might need (such as verification of employment, pay stubs, etc.).

Funds Automatically Deposited
After your lender has received and approved your request, funding will be deposited directly into your bank account. That means you don't have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.

Private and Secure
We use industry-recognized security and advanced encryption technology to protect your personal information.

Automated Repayment
If you authorize your lender to take payment via automatic withdrawals (known as "ACH transfers"), then your loan payments will be paid automatically directly from your bank account. This means each payment will be on time and you won't have to worry about missing any payments or incurring any late fees.

Late Payments
Late payment policies can differ among lenders. Please make sure you read and understand the loan agreement and your lender's late payment policy before accepting the loan. In some states, late fees may be limited by law. In other states, late payments may allow the lender to charge late fees and may accelerate the loan making it due in full immediately.

NOTE: Before agreeing to a loan, please make sure you can make your loan payments in full and on time. We support the responsible use of loans and recognize that nobody knows your situation better than you.

Loan Extensions
State law may limit or prohibit a lender's ability to extend or "roll over" your loan. Consult with your lender if you need a loan extension.

Loan Default
If you can't make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future loans.

Advertising Disclosures
ZoomAdvances does not charge you any fees to submit a loan request, be connected with a lender, or to receive loan offers or quotes. If you receive a quote or a loan offer, the lender with which you may be connected is available to review its terms with you at no cost. It's possible that the lender may require a fee to process your formal loan application and/or credit report, but until you agree to pay the lender any fee(s) or sign any loan agreements, you may shop with ZoomAdvances at no cost.

The offers that you might receive are from companies from which ZoomAdvances receives compensation. This compensation may impact what offers you receive and how/where products appear on this site (including, for example, the order in which they appear). ZoomAdvances does not include all lenders available in the marketplace. If you are presented with an offer, carefully review the details before signing.