You can reach us by telephone, Monday through Friday 8 a.m. to 8 p.m. Eastern. You may also email us at support@zocaloans.com.
You must have a valid checking account and be enrolled in direct deposit to apply for a loan through ZocaLoans. Your account must accept unlimited ACH debits and credits.
Your funds will be released to your bank at 9pm EST. It is up to your bank to determine when they will release the funds to you. Usually, you will see the funds in your bank account by the next business day. If you are looking for your funds to be deposited to you same-day, we do offer a wire option for an additional $30.
Yes, if you chose the automatic ACH repayment option, your payments will be automatically debited from the same account that your funds were initially deposited in on your agreed upon payment dates stated in your loan documents.
To check the balance of your loan at any time, log in to your member portal on the top right side of our website for an active summary of your current loan.
Once you have fully paid off your loan with us, we would be happy to expedite a new loan application for you. There is a three-day “cool-off” period between your paid off loan and when you can be approved for a new loan. You can simply apply on our website, or call us at 866-605-2471 and a loan manger will expedite a new application for you. As a returning customer, you will receive a discounted rate on your new loan with us.
You can repay your loan at any time without prepayment penalty. You will only be charged for the interest that has accrued on your loan while you've kept the loan outstanding. To pay your loan off in full, choose the Pay In Full option in your member portal or give us a call at 866-605-2471 and our Customer Support agents will be happy to assist you.
We understand that sometimes, unexpected things occur that might prohibit you from being able to make your scheduled payment. We value your honesty and will work with you to grant you one complimentary extension. You must call AT LEAST 2 days before your scheduled pay date in order to set up a payment extension.
We value our customers and will happily work with you if you
find yourself in a situation where you become unable to repay your loan.
If you break your loan contract, ZocaLoans reserves the right to take legal action.
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.