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Searching for loans like ZocaLoans? Here are some options

Life can be unpredictable, and sometimes we need a little extra cash to cover unexpected expenses. This is where personal loans can come in handy, providing us with a way to access a lump sum of money that we can use to cover a range of different costs.

However, if you have bad credit, finding a lender that is willing to work with you can be tough. This is where ZocaLoans comes in- they provide loans to people with bad credit, helping them to get the funds that they need, regardless of their credit score. But, if you're looking for loans like ZocaLoans, there are other options out there.


One alternative to ZocaLoans is Avant. Avant offers personal loans for people with bad credit, with loan amounts ranging from $2,000 up to $35,000. The minimum credit score requirement is 580, meaning that they will consider applicants with poor or fair credit.

The interest rates for an Avant loan vary depending on your credit score, with rates ranging from 9.95% to 35.99%. It is worth noting that Avant does charge an origination fee, which can be up to 4.75% of the loan amount. However, they do not charge prepayment fees, meaning that you can pay off your loan early without incurring any additional costs.


Another option to consider is LendingPoint. LendingPoint provides loans for people with credit scores as low as 585, with loan amounts ranging from $2,000 up to $25,000. Their loan terms range from 24 to 48 months, giving you a bit more flexibility in terms of how long you need to pay the loan back.

The interest rates for a LendingPoint loan start at 9.99%, with rates ranging up to 35.99%. They also charge an origination fee, which can be up to 6% of the loan amount. However, like Avant, there are no prepayment penalties, meaning you can pay off your loan early without any additional costs.


Another contender for loans like ZocaLoans is Upgrade, providing personal loans with a minimum credit score requirement of 580. Loan amounts range from $1,000 to $35,000, with repayment terms of 36 or 60 months.

The interest rates for an Upgrade loan range from 6.94% to 35.97%, and there is an origination fee to consider, which can be up to 8% of the loan amount. However, it is possible to check your rate without having a hard inquiry on your credit report, and again, there are no prepayment penalties to worry about.


Finally, there are loan matching services like PersonalLoanPro that can help you find a loan that meets your needs. PersonalLoanPro connects you with a huge range of lenders, helping you to compare loan offers and choose the one that's right for you.

The process of using PersonalLoanPro is simple- you fill out a quick form, and within minutes you'll receive offers from various lenders. You can compare the rates and terms of each loan offer, and choose the one that best fits your needs.

The interest rates, origination fees, and other costs associated with a PersonalLoanPro loan will vary depending on the lender you choose. However, this can be a great way to quickly and easily find a loan that you might not have otherwise known about.


While ZocaLoans is a solid choice for anyone with bad credit, there are other options out there. Avant, LendingPoint, Upgrade, and PersonalLoanPro are all worth considering, as they provide personal loans for people with poor or fair credit scores.

Remember, when applying for a loan, it's always important to read the fine print and understand the terms and conditions of the loan. Make sure you understand the interest rates, origination fees, and any other costs associated with the loan before you sign on the dotted line.

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