NorthWestern Financial Review


MoneyZap Overall rating: ★★★★☆ 3.5 based on 4 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

Request a Loan

Money Zap logo

Money Zap is an online loan connection service that helps people with bad credit find the right lenders. They connect customers to their extensive network of trusted direct lenders. The loan agency does not charge customers any fee for completing the application form. Instead, when a loan is approved, they charge a fee to their lending partners. They guarantee that you can get loan approval within hours. Their website also contains financial market news. With Money Zap, you can borrow fast cash up to $5,000 with no credit check even if you have bad credit. The company operates in 21 states.

Company name MoneyZap
Founded 2021
Address 2891 Terry Rd, Jackson, MS 39212, USA
Phone number
(601) 207-9833
Money Zap site


  • Multiple lenders in the network
  • Easy online application
  • Fast funding
  • Bad credit is ok
  • Money for whatever needs


  • Small loan amounts
  • Short terms
  • Limited loan options
  • No contact information
  • Not available in all states
  • A few user reviews
  • APRs can be high
  • Not a direct lender

Bottom line

Money Zap seems a reliable loan connection service. Applying for a payday loan online is a quick and easy process. And you have a high chance of getting guaranteed approval even if you have poor credit. So, the platform makes it easy for people who have never been approved for a loan. Their website is also simple and intuitive. The website also contains useful information about payday loan features, rates and fees, payment terms, and eligibility criteria.

Types of loans

With MoneyZap, you can borrow $500, $300, or as much as $5,000 using a simple online application.

Their most popular financial products are:

  • Payday loans
  • Bad credit loans
  • Title loans
  • Installment loans
  • No credit check loans
  • Short term loans
  • Fast cash loans

The company offers a wide range of loan options.

Typically, you will pay $10 – $30 for every $100 borrowed. So, for example, a payday loan that costs $25 for every $100 you borrow would have an APR of about 300%.

Eligibility criteria

Payday loans from MoneyZap are easy to get. You only need to meet a few requirements:

  1. Be at least 18 years old,
  2. Be a US citizen or permanent resident,
  3. Have a stable source of income,
  4. Provide a valid government-issued ID,
  5. Have an active, personal checking account,
  6. Have a valid, working phone number and email address.

Category: Online Loans

Tags: Alabama, California, Colorado, Florida, Idaho, Illinois, Kansas, Kentucky, Louisiana, Michigan, Missouri, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Wisconsin

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MoneyZap Reviews

This website looks absolutely sketchy
- Everett Bailey

Their payday loans are VERY expensive!! There are more affordable offers on the web
- Luis Murphy

I’m using this loan agency every single day
- Alessandra Fleming

MoneyZap helped me buy birthday presents for my friend when I still had 10 days before my payday. I’m super grateful for what they did for me!
- Elizabeth Mckinney

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