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Hello everybody. I need to know if Zoca Loans is legal in my state. I live in Ohio. I have a loan for $400 and the payback amount is well over $1,000 with interest! I know I was dumb to take the loan out but it was my only option at the time. I have full intentions of paying this loan back, I just need to know if I need to pay just the principal amount of $400 or will I have to pay all the interest fees also. I believe this company is tribal. Also, how would I go about making payment arrangements with them. Thank you

Hello. It is a scam. Just pay the principal amount you owe.

Sub: #1 posted on Tue, 10/10/2017 - 05:58

Sanders Patricia Sanders Patricia

(Posts: 1234 | Credits: )

Yes you are right, Zoca Loans is a tribal loan, and I believe they are legal in your state.

Sub: #2 posted on Tue, 10/10/2017 - 06:51

tiarajoseph11 tiarajoseph11

(Posts: 467 | Credits: )

Okay, payday loans and tribal loans are messy. Get out of it by just paying the principal amount! I searched them up, found no legal documents that they can do business in Ohio!. But all I can say is stop falling into these hassles in the future!

Sub: #3 posted on Fri, 10/13/2017 - 06:11

Phil Bradford Phil Bradford

(Posts: 166 | Credits: )

They can do nothing even if you don't pay the principal amount. But morally you should pay the principal amount.

Sub: #4 posted on Fri, 10/20/2017 - 05:15

ditchdebt ditchdebt

(Posts: 679 | Credits: )

Thanks everybody. I revoked my ACH debit authorization and this is the response that I have received. I told them that I wanted to make payment arrangements to pay off my principal amount and what were my options. They have yet to respond. I haven't heard anything from them in over a week.

Thank you for contacting ZocaLoans. We have stopped your next payment from being processed on your account. Please see the attached ACH Revoke Confirmation Form. You must print this form to complete, hand sign and provide us with a scanned copy attached as a PDF file returned via email. Once we receive your ACH Revoke form, we can process your request. We have provided you with a 14 day window to complete the necessary document to effectively revoke your ACH. If we do not receive this ACH Revoke Form within 14 days, ZocaLoans will process payments in accordance with your loan agreement.

We understand that you may be going through a financial hardship; we have many discounted repayment options available to you. If you are interested in learning more about these options, please reply directly to this e-mail and one of our account managers will gladly assist you.

ZocaLoans Customer Support

Sub: #5 posted on Fri, 10/20/2017 - 17:11

yngkellie yngkellie

(Posts: 9 | Credits: )

I'm with Zocaloans they gave me a schedule on my payments from May to October every two weeks 191.03 and last Payment 0f 191.00 ON October 20,2017 I look at my account with them they said I'm past due on 4 payments I made all my payments with their schedule they said I owe 764.00 I borrowed 550.00 what should I do.

Sub: #6 posted on Sat, 10/21/2017 - 07:07


You should stop making further payments. You borrowed $550 and paid $764. This means you made additional payments. In that case you owe a refund. Okay. Revoke your ACH authorization.

Sub: #7 posted on Mon, 10/23/2017 - 20:31

(Posts: 3937 | Credits: )

You have already paid the amount. So, don't need to pay further. If they force you to make payments, then make complaints against them to the state attorney general.

Sub: #8 posted on Mon, 10/23/2017 - 23:45

Sanders Patricia Sanders Patricia

(Posts: 1234 | Credits: )

You must stop making payments anymore. You have paid enough...
As SC said earlier, you should revoke ACH authorization immediately.

Sub: #9 posted on Tue, 10/24/2017 - 03:08

tiarajoseph11 tiarajoseph11

(Posts: 467 | Credits: )

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