FAQ

How much am I eligible to borrow?
Your Loan Limit is based on your net income (after all taxes and deductions). The first time maximum loan limit is $400. For each loan after that, your loan limit is based on your net income.

How do I use your website?
Visit Zip19.com and log in using your Social Security Number and Home Phone Number. Once you’re in, you will be able to make a loan request, check the status of your loan and even view the documents you have sent us Click Here.

Will you need to call my employer?
Employment verification may be required. The most simple and easy way to do this is to call your employer.  Rest assured we will be discreet and no information regarding your business with our company will be given.

How long can I have the funds for?
All loans are due back on your next payday. This can be a maximum period of 14 days. If you still feel strapped for cash on the day your loan is due back, you can request another loan on the very same day.

How do I pay back the loan?
We automatically debit the loan amount, plus all loan fees from your account. This is done via a preauthorized debit directly from your account. The funds come out of your account the same way they went in. This way there are no extra costs from us, or from your bank.

What is an Instant Reloan?
An Instant Reloan is a loan that you can apply for on the same day as your first loan has been paid in full, including all loan fees. Once your application is processed your loan can be issued the same day, which will reach your account as early as the next business day.

In order to get an Instant Reloan, you must send in a copy of your bank statement showing that your full payment has been processed.

Do I need to be paid by direct deposit?
Yes. In order to qualify you must receive your paycheck by direct deposit.

I’m paid by Social Security, do I qualify?
You must be actively employed in order to qualify for a loan with Zip19.com. Types of income we do not accept are: Social security, Retirement Pay, Commission only, and those paid only by mileage.

Do I need to fax any documents?
You are not required to fax in any documents, providing that all information needed to issue your loan can be obtained.

What formats are acceptable when sending documents?
If you are e-mailing any documents, please note that we do accept the following formats: .jpg, .jpeg, .bmp, .gif, .png, .pdf, and .tiff. When faxing/e-mailing any documents to us, please ensure that your name and social security number are clearly written on the fax/e-mail to avoid any delay in processing your documents.

Can I make payments on my loan?
At Zip19.com, we believe in responsible lending. Therefore we do not offer loan extensions (also known as rollovers) that often keep customers from ever repaying their loans. However, once your loan is paid back in full you are able to make a loan request and have the loan issued out the very same day.

How can I contact you?
Please click here for more information.

What are your hours?
Please click here for more information.

Do you perform credit checks?
Zip19.com may need to verify some of your information against several national databases such as CL Verify and Teletrack. This is done more to ensure your identity and security.

I have Questions not answered here!
If you have any additional questions that have not been answered, please give as a call at 1.877.947.1947 and one of our friendly customer service representative agents will be happy to assist you.