Ripple Cash is now zFunds. If you have questions or need support, call us at 877-864-0601.

Move Forward

with a zFunds Installment Loan

✓ Higher Loan Amounts

✓ Lower Fees

✓ Pay Over Time

Why zFunds?

A zFunds installment loan is better than a payday loan, helping you avoid expensive late fees on credit cards, overdrafts, and bounced checks.

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Higher Loan Amounts

Our loans range from $250 – $1,000 for first time customers and as much as $2,000 for returning customers.

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Lower Fees

Interest on a zFunds loan is typically much less than fees charged for a payday loan, bank overdrafts, or late fees on other bills.

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Pay Over Time

We offer 12-month terms.

Easy as 1-2-3!

Applying for a zFunds loan is quick, simple, and 100% confidential. Get pre-approved instantly and receive funds in as little as a few hours!

1. Apply Online

Complete our simple, fast, 100% confidential application. Submit your information in just minutes.

2. Get Pre-Approved in Seconds

With us, there is no waiting or guessing. You will find out if you were pre-approved and the amount right away.

3. Receive Funds in Just a Few Hours

Upon approval, we will deposit your loan funds as soon as the next business day.

Shanelle

“Thank you sooo much, Sarah, I’m praying everything will be good by the morning. You are the true definition of going beyond the call of duty. I appreciate that you didn’t give up. I will let you know either way. Just letting u know everything went well. I received my funds this morning. Can’t express the gratitude I feel for your over and beyond efforts. Thankkkkkk you sooo much. Have a wonderful week”
Shanelle

Rachel

“I was wondering if there is somewhere I can put a review for this company. Due to covid I lost my job and out of every company I have had to call and deal with this one has been by far the most understanding and accommodating. I really appreciate the help and it means alot to me in these times and will absolutely be coming back in the future”

Rachel

Manuel

“Thank you for the follow up this morning. I checked my bank account and the money was indeed deposited. I want to thank you for all the help and the fast response”
Manuel

Rhonda H.

“I had excellent customer service…professional and without judgment. One of my children was scheduled for emergency surgery on another island and was not eligible for any financial compensation as I just started a new job and needed to pay the rent and utilities. Yes, I was able to get the funding I needed. It was a very easy process.”

Rhonda H.

Frequently Asked Questions

Here are answers to the most commonly asked questions. If you have additional questions or want to discuss your loan options, please call 1-877-864-0601.

WHAT DO I NEED TO APPLY FOR A LOAN?
You must be at least 18 years old and have:

  1. A job or proven source of income
  2. An email address
  3. A checking account in good standing — no returned checks, overdraft charges, negative account balances or nonsufficient fund transactions in the past 30 days.

All signed Loan Agreements are subject to verification of prior loan history and application information. Your online application will be either approved or declined based on our evaluation of the information you provide. In some cases, we may need to ask for additional information. But for most customers, it’s quick and hassle-free.

HOW MUCH MAY I BORROW?

Our loans range from $250 – $1,000 for first time customers and as much as $2,000 for returning customers.

HOW SOON CAN I RECEIVE FUNDS?

In most cases, funds will be deposited into your bank account the business day after your application has been processed and approved, including verifying your loan details and e-signing your online loan documents. If your application is approved and verified by 6 p.m CST Monday-Thursday or next business day for weekends and bank holidays.

HOW MUCH DOES MY LOAN COST
Your loan’s total cost depends upon the amount that you’re approved for and your payment history. Returning customers with a successful payment history can qualify for even lower rates. All costs and payments will be clearly shown on your contract prior to you agreeing to the terms and conditions. If you have any questions do not hesitate to call one of our friendly representatives.
WHAT HAPPENS IF I DON’T MAKE MY LOAN PAYMENT BY THE DUE DATE?
    It is your responsibility to make your loan payment by the due date. The good news is we make it easy for you to avoid this situation. You can schedule automatic electronic payments from your checking account or provide payment in one of the following forms (check, Money Gram, or money order). If you do make a late payment, skip a payment, or a payment is returned to us, you may incur additional fees. If you are unable to make your scheduled payment, please contact Customer Support.
WHAT ARE MY PAYMENT OPTIONS
Unlike many traditional banks, at zFunds, you have the choice of paying off your loan over several installments, or all at once at any time – without penalties. We structure our loans so that payments are typically around $100 (based on bi-weekly payments). The actual number of payments required for your loan will be based on your loan amount and your pay schedule. For your convenience, we link your loan payment dates to your pay dates. We accept payments via ACH or you can mail in a payment via a cashier’s check or money order to PO Box 763, Lac du Flambeau, WI 54538.
HOW WILL I KNOW WHEN MY APPLICATION IS APPROVED?
  You won’t have to wait long. After you submit your online application, your results will be available in a matter of seconds.* If conditionally approved, subject to verification of your application information, you will be able to request how much you want to borrow up to your maximum approved amount. In the event we are unable to approve your application for credit, we’ll notify you with the reason for denial. zFunds 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 including, but not limited to, Clarity and Factor Trust and we may pull your credit in order to determine your eligibility and ability to repay
HOW DO YOU PROTECT MY PERSONAL INFORMATION?
We understand that you might have some reservations about providing us with your personal information in applying for a loan online. Keeping your financial and personal information secure and confidential is one of our most important responsibilities. zFunds has taken a number of measures to keep our process completely confidential and secure. Due to limited space, we won’t go into the details here, but we encourage you to review the details in our Security page. And, of course, if you have additional unanswered questions, please contact us.

Contact Us

Our customer support team is here to listen and provide you with exceptional customer service. Just let us know how we can help.