Personal loans
Borrow up to $25,000 with the cost in plain sight.
A fixed 10.00% APR on approved loans, with no origination fees and no prepayment penalties. See what you qualify for without a long application.
Checking your options does not obligate you to accept a loan. Approval is subject to underwriting.
Fixed rate
10.00%APR
On approved loans. Not a range, not a teaser rate, and not dependent on autopay enrollment.
- Loan amounts
- $1,000 – $25,000
- Repayment terms
- 12 – 60 months
- Origination fee
- $0.00
- Prepayment penalty
- None
Why ZIPPY Cash
Borrowing made simple and transparent
Whether you are consolidating debt or covering an unexpected expense, we aim to make the terms clear before you commit to anything.
Funding after approval
Once your loan agreement is signed and your identity and bank details are verified, approved funds are typically deposited within one business day.
No origination or prepayment fees
Approved loans carry a fixed 10.00% APR with no origination fee, no application fee, and no penalty for paying early.
A range of credit profiles
We review more than a credit score alone. Applying does not guarantee approval, and your rate and term are confirmed in writing before you sign.
How it works
Three steps, and nothing binding until you sign
Step 1
Apply online
Complete our secure, 2-step application in minutes.
Step 2
We review your request
Get conditionally pre-approved immediately upon submission.
Step 3
Get funded
Finalize your agreement over the phone and receive your money within 24 hours.
Transparent pricing
What a loan actually costs
Representative example. Your own amount, term, and payment are confirmed in your loan agreement before you sign.
The same rate across the range
A larger loan or a longer term costs more in total interest, even at an identical 10.00% APR.
| Loan Amount | APR | Loan Term | Monthly Payment | Total Amount Paid | Upfront Fees |
|---|---|---|---|---|---|
| $10,000 | 10.00% fixed | 36 mo | $322.67 | $11,616.12 | $0.00 |
| $25,000 | 10.00% fixed | 60 mo | $531.18 | $31,870.80 | $0.00 |
Based on a $25,000.00 loan repaid over 60 months at a fixed 10.00% APR with no fees. Totals assume every payment is made on time. Amounts from $1,000 to $25,000 and terms from 12 to 60 months are available on approved loans.
Ready when you are
Ready to see your options?
The application takes a few minutes. You are not committed to anything until you sign a loan agreement.