MyZFunds: Request a loan today

Rates

How to save money on your loan

1. Borrow only the minimum amount needed.
2. Make extra payments toward your principal.
3. Pay off the entire Balance early.

Interest Rates on Loans

Interest rate is the percentage of the principal of a loan a lender charges a borrower to make the loan. Finance charges are a broader measure of the cost of borrowing that include both interest and any applicable fees. Annual percentage rate, or APR, expresses the finance charges on a loan as a yearly rate. Finance charges are based on a consumer’s creditworthiness. A consumer’s creditworthiness is determined by several factors, including credit and payment history, income, employment, existing debt, and types of debt. The APR for your loan will be determined by the amount you choose to borrow and the length of time you choose to keep your loan outstanding. You can reduce the total cost of your loan by paying off your loan prior to your last due date on your payment schedule or by making additional payments on or between your payment due dates.

The copy of your loan details, finance charges and APR will be fully disclosed to you in your loan agreement upon approval of your loan. Contact us today to see if you qualify for one of our loans. We can assist you and present a range of loan options for which you may qualify.* Our company adheres to all federal laws and regulations that apply to short-term and online personal lending industries.

Our company does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of an applicant’s income derives from any public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Please note: This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs and are not intended to be a long-term financial solution. *All loans are subject to credit approval.

If you have any questions about MyZFunds please contact us or check out our FAQ for further information. Our hours of operation are Monday through Thursday. 8:00AM to 4:30PM CST. Online applications processed between 11:30AM CST and 6:00PM CST are usually funded the next business day with a few exceptions. However, you can always email us at [email protected].

*All loans are subject to credit approval.

If you have any questions about MyZFunds please contact us or check out our FAQ for further information. Our hours of operation are Monday through Friday 8:00AM to 6:00PM CST. Online applications processed between 11:30AM CST and 6:00PM CST are usually funded the next business day with a few exceptions. However, you can always email us at [email protected].

A small dollar consumer loan is not intended to meet long-term financial needs.

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.