A simple process, completed online
From application to funding, here's exactly what happens — and what to keep in mind once you have your loan.
The steps
You apply and verify
You apply and complete identity and income verification steps. Third-party service providers help us confirm your identity and income information.
We review and decide
Your information is reviewed, and we communicate our decision to you.
We cannot promise that you will receive a loan or will qualify for the loan amount requested. We can promise that we will communicate our decision, and that our Customer Care Representatives are available Monday – Friday from 9:00am – 6:00pm Eastern to provide additional assistance at customer.care@zoomercredit.com or (303) 418-4892.
You get funded
Once approved and all agreements signed, loans are usually funded the next business day.
Many factors impact the timing of funding; we do our best to get you money when you need it.
You repay over your scheduled term
Your loan agreement tells you how much your loan will cost and your payment schedule. You can pay off early at any time — and could save money doing so. See an example.
Keep these in mind
A few simple habits make borrowing easier and can save you money.
- Read all documents before you sign — you are agreeing to the terms.
- Keep a copy of all documents for your records.
- We will contact you by email, text, and/or phone. You can contact us that way as well.
- Your loan tells you how much your loan will cost and your loan payments schedule.
- You agreed to receive and pay back the loan through ACH and/or Debit Card.
- Write down or calendar your payment due dates so you will remember them.
- You always have the option to pay the loan off early and could save some money doing so.
- Late payments incur fees and could increase the amount you will pay for the loan.
- If you want to discuss payments in full or concerns with due date, contact our Customer Care Representatives as soon as possible (preferably 3 days before the due date) to discuss how we can help you — customer.care@zoomercredit.com or (303) 418-4892.
- Once you have become an established customer, you will be able to participate in a loyalty program which rewards good customers by reducing the APR % on future loans and/or increasing the amount that can be loaned.
Thank you for choosing Zoomer Credit!
Ready when you are — or reach out first if you have questions.