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What is a consumer installment loan?
A consumer installment loan is a quick and simple way to obtain a short term loan that has a set start date and set end date, and provides a sensible alternative to costly bounced checks, late payment charges, or surprise expenses.

When should I use a consumer installment loan?
It is important to remember the longer the length of your loan, the more expensive it will be for you. Please consider all of your options ahead of time.

Can I apply if I have a low credit score?
Absolutely. A low credit score will not necessarily prevent you from qualifying for a Zfunds Installment Loan. Even if you have been turned down by other lenders in the past, as long as you are receiving a steady income, we may be able to still qualify you for an installment loan. Please complete an application online and one of our specialists will follow up with you.

When will I receive my consumer installment loan?
If all information is received by 4:30pm CST and can be verified, you will receive your money the next business day.

What are your business hours?
Representatives can be contacted Monday through Friday, 8am to 4:30pm CST. We observe federal holidays.

Can I pay my consumer installment loan back earlier than the due date (prepayment)?
Yes, you can pay the consumer installment loan off earlier than your due date and we always encourage this of all our customers. This is called prepayment. If you pay off this consumer installment loan early, you will not have to pay a prepayment penalty.

How do I repay my loan?
Your loan agreement will include a payment schedule detailing payment amounts and due dates. You are strongly encouraged to pay off your loan as quickly as possible, as zFunds does not charge any early pay-off penalties or fees, and it will reduce the overall cost of your loan. Please call a Customer Success Agent for assistance with early payoffs: 877-864-0601.

For your convenience, you can have your payments withdrawn directly from your bank account or debit card processing. You can also send a cashier’s check or money order to zFunds, PO BOX 763, Lac du Flambeau, WI 54538.

Contact our Customer Success Agents at 877-864-0601 if you have questions about your payments.

IMPORTANT DISCLOSURES:
This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: zFunds loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

* The typical application and verification process requires a phone call with our customer service team.As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.Ziibi, LLC reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases, and we may pull your credit in order to determine your eligibility and ability to repay.ZFunds does not lend to residents in AR, CT, DC, GA, IL, ME, MD, MA, MN, NM, NY, PA, VT, VA, WV, AND WI. Availability of installment loans are subject to change at any time at the sole discretion of Ziibi, LLC.
Ziibi, LLC dba zFunds is an instrumentality and limited liability company, which abides by the principles of federal consumer finance laws, as incorporated by the Lac Du Flambeau Band of Chippewa Indians Tribe of Wisconsin. Ziibi, LLC dba zFunds is a Native American owned business operating within the interior boundaries of the Lac Du Flambeau reservation, a sovereign nation located in the United States.
Loan applications fully verified and approved Monday-Thursday by 3:30 pm central time will be funded as soon as the next business day. Loan applications fully verified and approved Friday by 3:30 pm central time will be funded as soon as the following Monday so long as the Monday is not a bank holiday.

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