FAQ

Finzmo is a free platform that helps connect you with personal loan rates from one of our lending partners that could work for you

Frequently Asked Questions


Just by entering your personal information to make a request, you will be given a username, and that's when you've become a member.

If you want to know how your personal data is used, please refer to our Privacy Policy.

The amount of financing you can request through Finzmo may vary depending upon the lending partners in our network.

Nothing! Submitting a loan request on Finzmo is entirely free

This varies based on your personal information as well as the rates that each of our respective lenders offers.

Yes! You can provide a landline phone number if you don't have a cell phone.

Yes. If your financing request is granted, the lender will need an account where your requested funds can be deposited.

Absolutely! We partner with some lenders that can approve individuals that rent their homes.

No. Finzmo does not partner with any lenders that offer small business loans.

No, you do not. However, certain of our lending partners may require this to provide loans for a specific purpose. We would also like to know the purpose to improve our service and better help you.

Each of our lending partners has its own criteria, but we strive to work with lenders that serve borrowers with all ranges of credit scores.

Partners in our lending network offer loans to borrowers based on a variety of factors, including without limitation, your credit score and income. Also, since partners in our lending network may change, you may want to submit a new loan request in a few weeks.

There is generally no limit to the number of loan requests you can submit through Finzmo, but each approval is granted by the lender you apply with. We cannot say with certainty if or when you will be approved or receive any money.

However, our service is built to help make the loan request process be as fast as possible. Once you confirm your request in Finzmo, a lender will typically make a decision within just a few minutes. If you are approved, most lenders should be able to deposit the loan proceeds to your bank account in as little as one business day.

Our service is always available, and you can submit a request for a new loan the same way as with the first.

Each lender we work with has their own process and will send you all the information you need to make payments accordingly.

Repaying a loan can often be done by direct transfer, credit or debit card, or another format offered by the lender. Keep in touch with your lender and make payments on the correct dates to avoid any extra fees.

The loan agreement you sign with the lender of your choice will determine the terms of your loan. You should carefully read the contractual terms of the lender that has made you an offer before you agree.

If you need an extension, you should contact your lender. Please keep in mind that an extension on your loan might incur additional fees or penalties.

Before confirming your financing request with a lender that has made an offer, carefully read the contractual obligations regarding delay or default of payment.

It varies for each lender, but defaulting on your loan might result in your name being reported to a credit reporting agency, a collection agency could be contacted, or other legal actions could be taken to collect payment.

If you are unable to repay your loan, you should inform your lender as soon as possible in order to minimize damage and avoid penalties.

Yes!

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