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How does Zingo cash work?

Zingo Cash is not a payday lender! We’re an installment loan company. We may be able to help you pay off your payday loans or get you that extra cash you might need. Your first step is to click on the orange Enroll Today button and apply! 

Do you run credit checks?

Yes, we do check credit but many of our customers have less than perfect credit. Your credit history is not the only thing we consider.  We evaluate each case indiviually to try and find a product solution that fits your situation.

Can I apply if I have bad credit?

We have helped a lot of people in your situation.  Missed payments on past loans will not necessarily prevent you from qualifying for a Zingo Cash product.

How do I check on the status of my application?

The status of your application is located on the application history screen.  If you are having trouble please contact our Customer Service Team via phone at 888-946-4655 or email at

How do I know that I have been approved?

If your application has qualified a representative will contact you with your approval information. Zingo Cash reserves the right to make adjustments to your final approval until we verify your employment and salary information are accurate.

Do I need to fax or email any documents?

There are some instances where proof of income is required prior to your application being approved.  Please note that your pay stub must be in the standard PDF or JPG formats in order for us to access it.

Why do I not receive emails from Zingo Cash?

First, please check your junk mail box for emails. To ensure you receive important emails in your regular inbox from Zingo Cash, please take a moment to add our email address to your address book. This helps your email provider recognize Zingo Cash as a trusted email source.

What if I want to repay my loan early?

Contact our Customer Service Team at if you want to repay your loan early. A representative will generate a payoff letter and amount.

What if I don't have the money in my bank account to cover my upcoming payment?

You must contact us immediately to set up payment arrangements. If your payment is returned unpaid from the bank for any reason you may be charged additional fees. 

How do I update my bank information?

To update your bank information do not email or fax any bank information to our customer service department you should call our Customer Service Team at 888-946-4655.

How do I update my personal information?

To update your personal information, follow these steps:

  1. Log into My Account

  2. Select Personal Information link

  3. Make desired changes and click save changes

For any other questions about changing your personal information, please contact our Customer Service Team via phone at 888-946-4655 or email at

How do I change my password?

To update your password, follow these steps:

  1. Log into My Account

  2. Select Change Password link

  3. Type in a new password and confirm password then submit.

  4. You can now access the site with your new password.

What if I forgot my password?

To reset your password, follow these steps:

  1. Select the Forgot Password link at the bottom of the My Account login.

  2. Enter your email address and click Retrieve Password to have a temporary password delivered to your email address.

  3. Once you log in with your new password, you will be required to update that password to something familiar to you.


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