You agree that we may electronically provide you with all communications, disclosures and other information regarding your application and loan (“Communications”). Your consent does not apply to any future transactions that may occur between us. You should print out, download or otherwise archive these Communications to keep for your records.
You will need a computer with internet access and a printer capable of printing screens or hard drive capable of storing data. In addition, you must use an internet browser software that supports 256-bit encryption.
To access, view and retain Communications from us, you will need the ability to receive and read emails that contain hyperlinks to websites. If you provide us with an email address in your application, you may notify us of changes in your email address by writing us at support@zocaloans.com.
Even if you consent to the electronic delivery of Communications, you may also receive a paper copy of any Communications provided to you electronically by writing us at support@zocaloans.com. There is no fee for the paper copy. You may also withdraw your consent by sending us your request in writing to If you decide to withdraw this consent, the legal effectiveness, validity and/or enforceability of all prior electronic Communications will not be affected.
By clicking "I Agree" on the application page, you consent to electronic delivery of Communications in connection with your loan and the use of electronic signatures in place of written documents and handwritten signatures.
or email us support@zocaloans.com
Rosebud Lending LZO
PO Box 1147
27565 Research Park Dr.
Mission, SD 57555
Please note: This is an expensive form of borrowing and is not intended to be a long-term financial solution. ZocaLoans loans are designed to assist you in meeting your emergency borrowing needs.
Rosebud Lending LZO is the tribal lending agency of Rosebud Lending, a subsidiary of the Rosebud Economic Development Corporation, an economic development arm and entity of the Rosebud Sioux Tribe, a sovereign nation located within the United States of America and operating within the Tribe’s reservation. Rosebud Lending does business as ZocaLoans.
ZocaLoans does not lend in all states.
For more information CLICK HERE
We currently prohibit lending in Arkansas, Colorado, Georgia, Maine, Maryland, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, West Virginia, South Dakota, Massachusetts, Virginia, Connecticut, Illinois, Minnesota, and the District of Columbia. This may be subject to change.
ZocaLoans does not utilize Equifax, Experian, or TransUnion to perform traditional credit checks as part of our pre-approval process. We do verify applicant information through national databases including, but not limited to, Clarity, Factor Trust, and CLVerify.
** COLLECTION AND USE OF BANK ACCOUNT INFORMATION: If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, 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.
*** For underwriting and verification purposes only. We always obtain prior separate customer authorization when trying to obtain additional consumer bank account information as a potential payment option.
**** The estimated payment(s) may vary slightly based on the date of loan origination. Please refer to the loan agreement for the exact payment amounts and payment schedule.
***** Late payments on loans may result in additional fees or collections activities, or both.