Online Personal Loans up to $5,000

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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.

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.

  2. Amanda

    I just went through Zocaloans to get a loan of 250 (It’s my first time taking out a loan). And what I didn’t like about Zoca, they refuse to skip payments if you’re unable to make a payment this month. I was unable to pay my first payment this month (have no funds on my debit card at all!!!) My payment is due tomorrow (Jan 22, which is how they set it up). I tried talking to them, to move up the date, they wouldn’t do it!! I was also upset, the lady I spoke to, I barely could understand her speech (She was foreign). I’m upset because they refused an extension. Now I’m to near panic figuring out how to pay this months payment. I don’t want to over draw my account (I only have a few dollars on my card). It’s frustrating. I admit, I should’ve rethought it through before going through Zoca to take out a loan. And now I have regret my decision of going through them.

  3. Pamela

    I am experiencing the same problem with Zoca loans. They will not send me an ACH revoke form to stop the monthly withholding. I asked if I could make a lower monthly payment and they said no. I don’t know what to do. Because of their deduction last month I did overdraw my checking account. That was a mess to get cleaned up. I borrowed $700 and will repay over $3600. This company is a rip off. I have had other online loans and the companies are always willing to work with you. I would not recommend zoca loans to anyone.

    I have called and emailed several times asking for the ACH revoke form and they never mail, also when I call them they say they did not receive my email.

  4. S

    This is not a good idea. I would not recommend borrowing from Zoca Loans. I plan to pay the whole amount as soon as I can. I made a mistake taking out this loan.

  5. joseph soriano

    I had/still have a loan from Zocaloans. due to covid-19 I got laid off. I reported this to them and they offered no help. they moved my payment to the following month… they are ridiculous they expected me to get a job the within the gap that they gave me????? horrible with this whole pandemic going on my car loan was way more helpful than this idiots!!!! I had to take out money to pay my whole loan off ….. I hope they feel sick knowing they took money that could have been used for rent, my child, food, and other bills… sickening ..

  6. Wendy Lindberg

    They claim they have pay there employee why overcharged loan
    I took a 500.00 out they wanted back over a 1000.00 that nuts


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