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Zippy Loan

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What is Zippy Loans?

Zippy Loans is an online loan aggregator that matches borrowers to lenders for both short term cash advance loans and longer term personal loans. It is not a direct lender but instead allows consumers to shop for the rate deal from their network of lenders. Zippy Loans lenders will lend anywhere from $100 to $15,000. By using a loan aggregator like Zippy Loans rather than shopping around with individual lenders, you can save time by just submitting one main application and you can get cash in your checking account as early as the next business day.

Types of Loans Offered

Unsecured Personal Loans - If you are looking for a personal unsecured loan for debt consolidation. home improvements, or other unforeseen expenses, Zippyloan would be able to connect you to personal loan lenders. Repayment period for most lenders on their network ranges from six months to six years and the interest rate ranges from 12% to 36%. Please remember you are not guaranteed to be matched to a lender. Having said that, if you have good credit, you should be able to get a loan with an interest rate at the low end of the range.

Payday Loans - Zippyloan also has payday loan lenders in their network if you are looking for one. These are typically 14-day loans with high interest rates and fees.

How to Apply for Zippy Loan?

The loan application process is really simple. In fact, I'll go through the process with you right now. Let's Begin:

zippy loan application

The picture above shows their home page and this is where you start your application. You need to fill in the cash needed, your monthly income range, credit type and the purpose of your loan (there are many options in the drop down menu).

zippy loan application

Once you have filled in the above information, you will then be asked to fill in your name and date of birth.

zippy loan application

The next screen is where you fill in your employment details. As we mentioned earlier, Zippy Loans accepts income from employment, benefits and military personnel as well. In the example above, I put in "Employed" and the following drop down boxes appeared. I had to fill in the Name of Employer, Work Phone, Monthly Income, How often I was paid, Position, Time at Job, How do I receive my pay? and when was my next payday?

zippy loan application zippy loan application

The last step is your contact and deposit details. You need to fill in your email address, home address, time at residence, home phone number, drivers license, social security number, which state you are from and your checking account number and routing number.

Once you have submitted this information, it will be forwarded to various lenders who are willing to lend to someone of your profile (that you have filled in). You may get several replies from lenders willing to lend to you. You might have to submit more information to them. Once you have the lenders lined up who are willing to lend to you, you should read through the terms carefully and choose the loan that suits you best.

Once you have e-signed the loan, you could get the cash in your checking account the next business day.


Loan Co Amount Excluded States Not Eligible Min Income Credit Score
Zippy Loans $100-$15,000 NY N.A. N.A. N.A.
Viva Loans $100-$15,000 NY, WV, DC N.A. N.A. N.A.
Signature Loans $100-$35,000 N.A. N.A. N.A. N.A.
Next Day Personal Loans $100-$40,000 CT, NH, WA, VT No Military Personnel N.A. N.A.
Life Loans $100-$40,000 CT, NH, WA, VT No Military Personnel $1,000/m N.A.
Honest Loans $400-$50,000 NY No Military Personnel
No Federal Employees
$8,000/m N.A.
Fast 5k Loans $100-$10,000 NY, VT, WV, AK No Military Personnel $800/m >540
Excel Online Loans $500-$20,000 NY, DC, WV N.A. N.A. N.A.
Bad Credit Loans $100-$10,000 N.A. N.A. N.A. N.A.
24/7 Loan Pros $1,000-$35,000 NY, VT, WV, AK No Military Personnel $800/m >540
100 Lenders $100-$40,000 CT, NH, WA, VT No Military Personnel $1,000/m N.A.

There are many loan aggregators available to consumers looking for loans. For the sake of comparing Zippy Loans with it's peers, we have chose aggregators who lend up to at least $10,000 or more since Zippy lenders will lend you up to $15,000. Aggregators who lend up to this range or more tend to have lenders that are short term cash advance lenders, installment loan lenders and personal loan lenders.

If you look at the table above, you can see that Zippy Loan is better than many of it's peers. Firstly, unlike many of them, they allow military personnel to apply for loans through their network. These networks include 24/7 Loan Pros, 100 Lenders, Honest Loans, Life Loans and Next Day Personal Loans.

Zippy Loans also accepts benefits as income. Benefits include income like retirement income, pension payments and income from social security.

If there is a drawback for Zippy Loans, it is the fact that residents from NY cannot apply. Among it's peers, many also exclude NY and a couple of other states. Only Signature Loan allows residents from all 50 states to apply.

Pros and Cons


  • Wide Range of Loan Amount> - You can borrow between $100 and $15,000 with Zippy Loan. This is quite a wide range and most of you will find this enough for your needs.

  • Different Types of Loans Available - Zippy Loans offer short term cash advances, installment loans and personal loans.

  • Accepts both work income and benefits - Even if you have no work income, Zippy Loans accepts income from benefits like retirement income, income from social security and pension payments.

  • Military Members Can Apply - Many loan networks do not accept applications from military members. Some even do not accept applicants who work for the Federal Government (those with .gov email). Zippy Loans accepts these applicants.


  • Not Available in NY - Zippy Loans do not accept applications from NY residents.

Our Take

If you are looking for a cash advance, an installment loan or a personal loan, we would suggest that you consider checking out and applying through Zippy Loan. Unlike many other loan aggregators and network, Zippy Loans accepts applications from military personnel and those who work in the Federal Government. They also accept the regular benefits you get as income. Applicants from our site also appear to have very good success with them.

I can only think of two reasons why you might want to use another loan network. The first reason might be that Zippy Loans does not accept any applicants from NY. If you are from NY, I would suggest that you consider Signature Loans, which accepts applicants from all 50 states.

The second reason you might want to consider using another network is that you need to borrow more than $15,000. Once again, I would point you towards Signature Loans, which allows you to borrow up to $35,000.

Otherwise, Zippy Loans is one of the most popular loan aggregators and many folks have had success getting a loan from one of their lenders in their network.