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 and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses.
Rosebud Lending LZO, is the tribal lending agency of Rosebud Lending, a subsidiary agency 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 LZO does business as ZocaLoans.
ZocaLoans does not lend in all states. We currently prohibit lending in Arkansas, Colorado, Georgia, Maine, Maryland, New Hampshire, New York, Vermont, West Virginia, South Dakota, 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.
If qualified, first time borrowers maximum loan amount is $1,000. Maximum loan amount for repeat borrowers is $1,500. Lender cannot approve a new loan amount that exceeds the maximum amount advertised.
* Same Day Funding Disclaimer: Same Day Funding may be limited by funding time frames and cut off times. Additional fees may apply to expedite deposits. Applications processed and approved before 4pm PST Monday – Friday are typically funded on the next business day. You can request same day wire transfer up to 2pm PST Monday through Friday or next day wire transfer for loans processed on the weekends or bank holidays for an additional $30. Please verify with your bank as additional incoming wire fees may be assessed.
** 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 options.
**** 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.