Lending FAQs

How do I go about getting a loan?

Once you have decided on the amount you would like to borrow and the right repayment period to fit your budget click on the apply button and this will take you into our simple application process. Should you require any assistance during this process please contact us on 0800 980 4410 where we will help you with any queries. For further information please read our how we work.


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How is Zippa different?

The first thing you will see is our costs are significantly less than our competitors, this is because we believe credit should be supplied at the lowest possible rates. We don’t work with any brokers and as a direct lender this enables us to pass these cost savings onto our customers.

Our different repayment periods help you to find an affordable loan.

There are zero hidden fees in any of our loans – we guarantee that you only pay back the amount you have agreed to upfront.

The majority of our decisions are made by people and not computers and we believe its important for people to know who they are dealing with and have a point of contact should they have any questions or queries.


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Do I qualify for a Zippa loan?

Below are our qualification questions before you start the application process. Please note that should you tick a box knowing it is incorrect that you will be rejected and a credit search will be carried out on your name which may result in you finding it more difficult to achieve credit elsewhere.

Should you wish to speak to one of our customer care advisors before you start the process please call us on 0800 980 4410.

  • Be in a postcode we operate in
  • Over 21 years of age.
  • A UK resident.
  • A full UK bank account and debit card.
  • Not have filed for bankruptcy in the last 5 years.
  • Have a CCJ in the last 5 years.

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How long does it take?

Your application will be processed within 2 hours of receiving within our office hours. Once your application has been accepted the money will be processed and in your bank the same working day. Please read our how we work.


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Why haven’t I heard back with regards my application?

As soon as we have processed your application form you will receive an e-mail or a text message informing you of our decision. If you have not received this after 24 hours please check your e-mail inbox and spam folder. or call us on 0800 980 4410.


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Is there a cost to apply?

No there is no cost to submit an application and all out costs are upfront and included in your repayments…There are no hidden costs or fees.


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Are there any hidden charges?

There are zero hidden fees in any of our loans – We guarantee that you only pay back the amount you have agreed to upfront. Non payment of your account may involve us pursuing through the court for recovery which will result in you being responsible for the associated costs.

There are no fees for transferring the money into your bank account.


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Can I settle my loan early?

Yes – And if you pay a bit more each week or settle in a lump sum you may be entitled to an early settlement rebate.

To find out how much of an early settlement rebate you may be due please contact us on 0800 980 4410


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What if I have a bad credit rating?

We fully understand that in certain times we can all go through a difficult period and often through no fault of our own. All our decisions are made by people and we take all factors into account during the decision making process and we are often able to help people with a poor credit history. Zippa only offer loans to people who can show they are in a position to meet the repayments.

In many cases faithfully repaying a loan can help to restore your credit rating.


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What is continuous payment authority?

We believe this is the best way of making your loan repayments and involves you giving us permission to collect your repayments automatically from your debit card. It is simple to set up as all we need is your debit card details.

Should your payment decline for any reason there are no charges imposed by ourselves or your bank. We will attempt to collect your payment twice within a 24 hour period before we contact you.

All your repayments are agreed at the start of the loan and we guarantee there are no hidden costs or fees.


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I can’t log into my account?

For any help concerning your account please call us on 0800 980 4410 or send an e-mail to help@zippa.com. Our office hours are Monday to Friday 8.30am to 5.30pm.


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How do I change my debit card details?

Please contact one our customer support advisors on 0800 980 4410 who will make the relevant changes.


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How do I make a complaint?

Whilst we endeavour to make our customer’s experience excellent we want to know if we have got anything wrong. We take complaints seriously and work to resolve them quickly along with explaining the reasons for reaching our decision.

In the first instance please contact us directly by one of the following methods:

Telephone: 0800 980 4410

E-mail: complaints@zippa.com

In writing:

FAO Stephen Crainie

Zippa Ltd.

6-16 Duncrue Crescent

Belfast

BT3 9BW

In the unlikely event you are not happy with the outcome you have the right to refer your complaint to the Financial Ombudsman Service within 6 months of our final response.

The contact details are as follows:

Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR

Website: www.financial-ombudsman.org.uk

E-mail: complaint.info@financial-ombudsman.org.uk


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Is it confidential?

Yes – We adhere to all data protection guidelines and do not use brokers or pass your details onto any third parties.


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