What does it cost?
When you complete your for a loan at itzoo.info, it will cost you absolutely nothing. We are not a lender and do not provide the lending services directly to you. Based on the information you submit, itzoo.info searches our network of payday lenders (the only ones we will work with) to find you a lender that is best suited to meet your needs. We’ll connect the two of you…quickly. No time lost waiting for things to happen. We know you don’t have time to waste.
The Truth in Lending Act requires all lenders to fully disclose all loan fees and interest rates that you as a borrower may be charged. Our lenders are professionals, and all fees and rate information should be disclosed to you at the time of your online loan approval. Be sure to ask any questions you may have to your lender about your quick cash loan.
Here are the steps you will go through:
1.Complete your application at itzoo.info and hit ‘submit’.
2.Stay on the final page until you get an answer to your request, about 15 to 120 seconds.
3.If rejected you will see this clearly stated on the site page that comes up.
4.If accepted you will be asked to stay on your device, a screen will pop up on your phone or computer, and you will normally receive a phone call in a few minutes from the lender that wants to give you a payday cash advance (note: this is not a guarantee your loan will be approved but many of our customers who receive a call are funded).
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What are my loan terms?
Your lender is required to provide you with documents that contain all the fees and rate information related to your loan offer. Please completely review all of the information provided to you by your lender before agreeing to the terms of your quick payday cash advance. All loan fees and interest rates are determined solely by your lender. You are under no obligation to accept the terms being offered to you. If you decide the loan terms detailed in the lender contract are acceptable then proceed with your quick payday cash advance and await receipt of your money. You could have the money in your account in 1 business day!
What if I am late with a payment?
Late payment policies vary by lender. Review the late payment policy detailed in your loan documents provided by your lender before you sign any documents. States have adopted different rules and regulations related to all types of lending, so be sure to find out what your state requires as well as what they allow for these types of short term loans.
What if I can't pay it back on time?
Additional fees or charges usually apply in the event that you are unable to repay your quick payday cash advance. At itzoo.info we use all reasonable efforts to only work with reputable lenders dedicated to pursuing collections of past due accounts in a fair and reasonable manner. However, we have no control over your lender's collection policies or fees. Speak directly with your lender about any payment issues.
Can my loan be renewed?
Loan renewal policies are also governed by each state. In states where rollovers or extensions are allowed, interest rates along with late fees may be assessed and can add substantial costs to the price of your original loan. Always read your loan terms in full before signing any loan contract.
Normally you can borrow up to $1,000 on a payday loan but most quick cash loans are for $500 or less. If you need more than $1,000 you can apply for an installment loan which has lower rates and longer payback periods. Check the Home page of the website for the form to apply.
How much are the fees or interest?
This will vary depending on several factors. Payday loan lenders rates/fees vary. Many people refer to APR or annual percentage rates and your APR rates can equal 200-400%+. Never take quick cash loans if you do not intend to pay back on the terms your lender requires. Online loans can help you out in a crunch but understand the costs before you get one.