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*This includes all personal income, including salary, part-time pay, retirement investments, and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan.

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Important Disclosures:

Zoomer Credit is a state-licensed lender and subject to each state's applicable laws. Loans offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid bank account and email address. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state. By clicking on RATES and selecting your state, you can see eligible product(s) and the rates and term. If you are a returning customer, loan amounts and/or rates may vary.

View our Missouri license here. View our Utah license here.

If you have any questions, please contact us.

NOTE : Installment loans are an expensive form of credit. Our products are intended to meet your short-term financial needs. Our products are not intended to provide a solution for all credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria and delays in providing the requested documentation/information will delay the processing and could terminate your application or the transaction. In some cases, we may not be able to verify your application information and may ask you to provide certain documents.

Traditional and non-traditional credit bureaus may be used as permitted by law. By submitting an application, you authorize us and our third-party service providers to verify information through these national databases. We may review your credit attributes to determine your eligibility and ability to repay. Based on the findings from the original credit inquiry, non-traditional data bureaus may seek additional information from the traditional credit bureaus. When this occurs, it is possible your credit report will show an official credit inquiry.

The finance fee charged for your loan will be clearly disclosed to you in terms of the dollar amount of interest and the APR according to the principles of Federal Truth in Lending law and regulations. For details on the specific rates/fees of your loan, please see your loan agreement, but we have provided examples on the RATES page. Late fees and non-sufficient funds/returned item fees might apply as described in your loan agreement. Complete disclosures of APR, fees and payment terms are provided within your loan Agreement.

If approved, any requested funds will typically be deposited into your bank account the same business day; timing of funding may vary. The date and time the funds are made available to you by your bank is subject to your bank's policies. For specific funding cut-off times, click here.

Because we report your payment history to one or more credit bureaus, late or non-payment of your debt may negatively impact your credit rating. The exact impact of payment(s) and/or account activity to your credit score is unknown as your credit score is influenced by numerous contributing factors.

Refinancing may be available and is not automatic. Refinancing will result in additional charges. If you don't make a payment on time we will attempt to contact you via one or more authorized methods. If you fail to repay in accordance with your terms, we may place or sell your debt with a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. Be sure you fully understand the terms and conditions of your loan before signing your Agreement.

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