Zo FinancialReviews of zofinancial.com

Easy to get approved for but beware, unless your doing the 90 day same as cash it’s extremely expensive.

The application was immediately denied the within 30 minutes they changed their mind to approved. Then approved for more than asked for. Spent less than approved for. Then never told rate and term. Only told free of interest for 3 months then the $3200 product would then be made into payments to cover $7200. Well over the value. No one explained anything. Nor did the merchant care about the safety of product or patron in transport. All in all don't recommend if you can not pay off immediately. Highly predatory lending practices.

I’ve been a multi time customer with a great payment history, after multiple loans with no missed payments my ability to by or what you would call approved limit has steadily decreased. This is a great company to acquire needed household items , but the inability to recognize repeat and good customers is lacking….

More info to clients

I had many issues with the payment side of things. I had to also go through multiple people, each telling me a different thing, (excluding the one girl who was new and had just started) just to end up having to go to or be contacted by someone higher up on the chain.

I talked to someone on the phone about my bill and asked for a statement of my balance to be emailed to me. I should not have to call for my statement, it ought to be sent including what I have paid and what is outstanding. I would like to receive a monthly statement, thank you.