We Integrate with these Banks plus MANY MORE:
Ger money sent to you for all of these:
Home Repairs
Vacations
Essentials
Vehicle Repairs
Special Events
Food
Unforseen Circumstances
Family Care
Once in a lifestime oppurtunities
It only takes 2 minutes to fill out your request.
ziploan are the evolution of installment loans,
here is why:
Flexible payment plans just in time when you need it.
Your funds E-Tranferred to you as fast as 30 minutes when application is approved before 11am.
Online concierge here to help you when you need them most.
Starting June 2021: Welcome to the club, everytime you pay off your loans on time, you get points towards things like; Sun destination holidays, Amazon Gift Cards, Uber, Skip the dishes credits and more!
Canadian Installment loans repaid the way you like
Borrowing money is effortless and you can choose when and how you like to get repaid
Typical repayment times are 91-120 days, But you can choose, weeky, biweekly, ad monthly! You can suggest when your payments start. You don't have to remember to pay us, We do it automatically for you.
If you have bad credit, that's ok, you are hardworking, You Deserve a Break!
SAME DAY DEPOSITS
These are available before 11am weekdays. There are options for emergencies
NO CREDIT CHECKS
Your credit score won't be touched, we don't pull your credit score unless you tell us to! Equal opportunity for all. The way it should be: so, we made it this way!
FULL TRANSPARENCY
You will have a maximum interest rate of 32% per year ( the faster you pay off your loan, the less you pay) 3-4 months+ to repay, if your credit score is below 700 you may have to pay a surety fee, example: the surety fee on $300 is about $150, you can have the same amount of time to repay as your loan BEST OF ALL: there is no interest!
How do I apply for an installment loan
with Ziploan.ca?
Clic Apply,
make a profile (be sure to be employed) and use Flinks to indicate what account you want your funds sent to.
Verify your identity,
and your account will be approved by our team!
Congratulations!,
Your loan was approved! You will receive a simple form for you to approve.
Receive the funds
within the day (if it's before 11am) or the next business day!
SAME DAY DEPOSIT AVAILABLE
To give you the fastest service, We have streamlined Ziploan to strive for same-day service. For best results fill out your applications completely.
NO NEED FOR CREDIT CHECKS
Times are thugh, you need help. Our loan system looks past earlirer. Credit trouble and focuses on your reliability. Your chance to move forward with Ziploan's now.
SAFE AND ENCRYPTED
Your information is kept in the equivalent of a digital Fort Knox, only better. All our systems are held in the same places that banks carry hundreds of millions of dollars in safe transactions. You are overly protected!
Why should you choose Ziploan.ca
for an installment loan?
The answer is simple, we understand that things happen, and life is tough. If you need more time to repay your debts, we can restructure your payments so they are easier and more affordable.
We have the most secure sites in Canada, you will always be protected. We are evolving every month to offer you better products like prepaid credit cards, that you can use your points earned and convert them into Credits to help you in life. WE are here every step of the way with promotions that will help you get auto loans tomorrow, and your first great low rate on a mortgage next year. Ziploan.ca gives you everything you need to succeed.
Here's how simple it is:
Fill Out Form
Easy Approval Process
Funds automatically deposited into your account!
ZipLoan's ARE AVAILABLE IN THE
FOLLOWING Provincess:
- Alberta, AB
- British Columbia, BC
- New Brunswick, NB
- Newfoundland and Labrador, NL
- Northwest Territories, NT
- Nova Scotia, NS
- Nunavut, NU
- Ontario, ON
- Yukon, YT
There is no Safer solution on the market.
Banks use the same servers we do, The Military Uses almost identical encryption to send their greatest secrets!
What Other People Are Saying About us:
After been rejected from numerous loan companies after I was unemployed for the last 10 months due to Covid, Zip Loans was excellent we worked out a great loan with a fair repayment plan and they had me approved really fast! Great customer service!!
JAY LAFON
Calgary, AB
I took out loan while I was employed , the process was smooth, easy and fast. Within weeks , I found out my place of business would be shutting down , so I was out of work. An agent from Zip reached out to me every two weeks to see how I was doing , which was already above and beyond, I explained the situation and they helped me rework my payments so I could make them at a more affordable rate. Thanks so much ZIP TEAM.
KARLY SANDERSON
Kelona, BC
I fell behind on payments with my car, which is my main source of transportation to work and back, the bank wanted to repo my car. I applied with Zip loans and within an hour I had enough to cover my next car payment, you guys rock!
SHEILA ROKVYA
Toronto, ON
My family and I were planning an amazing camping trip in the rockies , all ready to go and within an hour of our trip our car broke down on the side of the highway. Stranded and waiting for a tow truck with no funds available till the next day when my pay gets deposited , I reached out to Zip loans and had enough to pay my expensive tow truck bill in an hour! Thanks for saving the camping trip !!
JAXSON HARTNELL
Edmonton, ABApply Now! Get your cash sent to you sooner.
Only takes 2 mins to apply
Frequently Asked Questions
HOW DOES ONE BECOME ELIGIBLE?
- 18 years of age or older
- Citizens of Canada
- At least three months in a steady job
- The ratio of short-term debt is low.
- Must not be under an undischarged bankruptcy or plan to do so
- The minimum monthly income is $1,200
- Direct deposits should be made into your Canadian bank account for at least three months.
UNDER WHAT CIRCUMSTANCES COULD MY APPLICATION BE REFUSED?
- An unstable employment situation
- Bankruptcy that has not been discharged
- Information provided online is incorrect
- Your account has multiple insufficient funds or other charges.
- Poor liquidity ratio
* This list is not exhaustive, and our evaluation department may reject your loan request for other reasons as well.
WHAT'S THE INTEREST RATE ON YOUR LOAN?
Our partnering lending companies offer interest rates of up to 32% when paid. If it's overdue, you may also be charged an interest rate of 2.17% per month, which is 26% a year. You will also be charged a broker fee.
HOW DOES IT WORK WHEN I FAIL TO MAKE A PAYMENT?
Debt will be sent to collections if it is unpaid. If it is not paid, the interest rate is 2.17% a month (26% a year).
WHAT PROVINCES ARE ELIGIBLE?
All Canadian provinces are accepted except Manitoba, Quebec, and Saskatchewan.
WHAT IS THE CANCELLATION DEADLINE FOR THE LOAN?
You must pay your loan back within 48 business hours, either by pre-authorized debit or by Interac transfer. The loan will be canceled once we receive the full payment.
INSTANT VERIFICATION: WHAT IS IT?
Instant verification services allows us to verify and evaluate your request quickly. We will then validate your identity and check your bank statement from the last 90 days, eliminating the long and complex paper delivery process. It's the easiest and quickest way to get a loan online. We promise to provide you with the safest and fastest service available on the web. We aim to provide a quick answer as well as a discreet service.
Annual Percentage Rate (APR):
The APR on your loan is always below 32%, with just a fee of $1.00 per transaction. For instance, a loan of $500, including fees from a third-party surety (if you need one) and interest, will result in you being reimbursing about $774.
Renewals:
We offer our loyal customers the chance to renew after a grace period so that they can complete their previous loans before beginning payment cycles on their new loan.
Faster reimbursement:
You can pay off your loan over a period of 91 to 120 days, depending on your payroll frequency. Make larger payments to save on interest.
Repay within 91-120 days or more:
If you used a bond or surety, the cost for $500 is $250. If you have a becone score of over 7,00, you are not required to bond or surety.
Missed payments and credit rating:
If you fail to make a payment, it will be deferred until the end of your contract, and you will incur a fee of $ 45 for insufficient funds; this will have no impact on your credit score with our business. If you need to delay your payment, you must call 72 hours in advance. This will result in a $ 25 fee added to your final loan payment. Loans repaid properly show goodwill, which makes your renewal easy.
Responsible Loan Policy:
Each application is subject to a screening process to verify that the borrower has sufficient income to pay the loan back. This includes but is not limited to ensuring your wages are sufficient to repay the loan, as well as making sure you have not accumulated too many NSF charges in your bank account; these may interfere with your ability to pay back your loan. If you meet any of these criteria, your application will be denied.
We accept loan applications 24 hours per day:
You could get a loan the same day if you apply before 11 AM MST. Customer support hours are Monday-Friday 8 AM-4 PM MST and Saturday-Sunday 12 PM-4 PM.
Responsible Collections:
Under the laws of Alberta, including the Consumer Protection Act and all associated regulations, all attempts will be made to retrieve the Net Capital Balance or any additional costs permitted by law, including the Collection and Debt Repayment Practices Regulation.
Borrow responsibly:
Please use our loans responsibly. We offer a way to help you in difficult times, but we charge a higher interest rate than local banks. You should only get these loans when you run out of other options and should use them as rarely as possible. Seeking out a short-term loan can be a solution for your financial issues if you do it carefully. However, getting together a large number of short-term loans could lead to serious debt and financial problems.
Apply Now! Get your cash sent to you sooner.
Only takes 2 mins to apply
| AMOUNT | REPAYMENT AMOUNT |
FREQUENCY | TERM | NOMINAL RATE | COST/DEBIT | NO. OF PAYMENTS |
|---|---|---|---|---|---|---|
| $350 | $89.50 | WEEKLY | 3 MONTHS | 16.06% | $1 | 6+/- |
| EFFECTIVE CREDIT RATE | GUARANTOR FEE | TOTAL | REPAY & SAVE EARLY? | |||
| 31.99% | $175 | $525.46 | YES | |||
| AMOUNT | REPAYMENT AMOUNT |
FREQUENCY | TERM | NOMINAL RATE | COST/DEBIT | NO. OF PAYMENTS |
|---|---|---|---|---|---|---|
| $500 | $129.05 | WEEKLY | 3 MONTHS | 16.63% | $1 | 6+/- |
| EFFECTIVE CREDIT RATE | GUARANTOR FEE | TOTAL | REPAY & SAVE EARLY? | |||
| 31.99% | $250 | $753.64 | YES | |||
| AMOUNT | REPAYMENT AMOUNT |
FREQUENCY | TERM | NOMINAL RATE | COST/DEBIT | NO. OF PAYMENTS |
|---|---|---|---|---|---|---|
| $750 | $145.51 | WEEKLY | 4 MONTHS | 16.06% | $1 | 8+/- |
| EFFECTIVE CREDIT RATE | GUARANTOR FEE | TOTAL | REPAY & SAVE EARLY? | |||
| 28.56% | $375 | $1125 | YES | |||
Apply Now! Get your cash sent to you sooner.
Only takes 2 mins to apply