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For your convenience, you can have your payments withdrawn directly from your bank account or debit card processing.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.