Extra Cash for the Moments You Didn't Plan For
Unexpected expenses can show up at the worst possible time. Zaro gives you a simple way to explore cash advance and loan options directly from your phone, without a branch visit or a complicated process.
Review available options and terms before making a decision.
A Little More Room When You Need It
Most people don't plan for an unexpected expense. A car repair, utility bill, medical cost, or broken appliance can quickly put pressure on an otherwise balanced budget.
Zaro helps you explore available financial options when you need extra room, all from your phone.
Built for the Way You Live
Financial Options for Real-Life Expenses
Simple access to options for the moments your regular budget doesn't quite cover.
Unexpected Bills
An overdue utility bill or a larger-than-usual monthly expense can throw things off. Explore options that may help you manage a temporary gap.
Car & Transportation
From a flat tire to an unexpected repair, transportation costs can arrive without warning. Review available options from your phone.
Household Expenses
A broken appliance, urgent repair, or other household cost can be difficult to postpone. Zaro gives you a convenient way to explore your options.
Everyday Needs
Sometimes the gap is smaller: groceries, tuition, bills, or other expenses that arrive before your next paycheck.
Short-Term Cushion
When timing is the problem, exploring an additional financial option may give your budget some breathing room.
Your Choice
Review the amount, APR, fees, repayment period, and other applicable terms before deciding whether an offer works for you.
From Request to Review in a Few Simple Steps
Tell Us What You Need
Start from your phone and provide the information requested during the application process.
Review Available Options
Based on the information provided, you may be presented with available financial options from an applicable provider.
Check the Details
Review the amount, APR, fees, repayment period, and other terms before continuing.
Choose What Works for You
If an option is available and you decide to proceed, complete the process according to the applicable terms.
Built Around Simplicity and Transparency
Simple by Design
No complicated financial language or unnecessary steps. Zaro keeps the experience focused on what you need to know.
Clear Before You Commit
See applicable rates, fees, repayment terms, and other important details before accepting an offer.
Made for Mobile
Your phone is all you need to start exploring available options. No branch appointment required.
Private by Nature
Handle your financial request from your own device without having to explain your situation to friends, family, or anyone else.
Know What You're Signing Up For
Financial decisions are easier when the numbers are clear.
Before you commit, review the applicable:
Understand the annual cost of the funds.
See applicable processing or other charges.
Know how long repayment may take.
Understand what you may pay over the life of the agreement.
Take a moment. Read the terms. Then decide.
Important Loan Information
Repayment Terms
Minimum repayment periods start from 90 days, with maximum repayment periods of up to 3 years.
APR
The Annual Percentage Rate represents the yearly cost of funds and may include applicable interest and processing fees.
APR Range
APR typically ranges from 6.50% to 35.00%.
For a representative $1,500 amount borrowed for 6 months at a 28% APR:
| Amount Borrowed | $1,500 |
| Loan Term | 6 months |
| APR | 28% |
| Monthly Repayment | $270.83 |
| Total Amount Payable | $1,624.98 |
| Total Interest | $124.98 |
Actual rates, terms, fees, repayment amounts, and eligibility may vary based on individual circumstances and the applicable provider.
Zaro Is Not a Lender
Zaro is a technology platform that helps users explore available financial options. Zaro does not directly provide loans, make credit decisions, or guarantee approval.
When you submit a request, your information may be shared with an applicable third-party provider. Any offer, approval decision, rate, fees, repayment schedule, and other terms are determined by the applicable provider.
Money Tips for Everyday Life
Plan for the Unexpected
Even a small emergency fund can make an unexpected expense easier to handle. Start with an amount that fits comfortably within your budget.
Know Your Monthly Numbers
Understanding what comes in and what goes out each month can help you recognize how much room you really have.
Read Before You Accept
Always review APR, fees, repayment dates, and the total amount payable before accepting a financial offer.
Don't Borrow More Than You Need
If you decide to use a financial product, consider requesting only what you need for the expense and what you can reasonably repay.
A Simpler Way to Explore Your Options
FAQs
Zaro is a mobile platform that helps users explore available cash advance and loan options. Zaro is not a lender and does not make lending decisions.
You can start directly from your phone by providing the information requested during the application process.
Decision times vary depending on the applicable provider, your information, and other factors. Some requests may receive a decision quickly, while others may require additional review.
The typical APR range is 6.50% to 35.00%. Your actual APR and other terms depend on the applicable offer and your individual circumstances.
Available repayment periods start from 90 days and may extend up to 3 years, depending on the applicable offer.
No. Approval is not guaranteed. Eligibility and available terms are determined by the applicable provider.
Zaro can help you explore financial options that may be suitable for unexpected expenses such as vehicle repairs, household bills, medical expenses, or other short-term needs.
No. Zaro is not a lender. If you qualify for an offer, the applicable provider determines the terms and provides the financial product.
Applicable fees vary by offer and provider. Review all applicable fees and costs before accepting an offer.
Need Extra Room in Your Budget?
Start exploring your options from your phone.
It only takes a few steps to submit your request and review any available offer.
Submitting a request does not guarantee approval or an offer. Availability, rates, fees, and terms vary by provider.
Before You Apply
Borrowing money is a financial decision. Make sure you understand the repayment amount and timing before accepting an offer.
Only request an amount you believe you can reasonably repay within the agreed period.