ZolveReviews of zolve.com

I had a smooth and stress-free experience with Zolve for my education loan. Sethu guided me through every step, from collecting documents to getting the loan disbursed. He was always available, clarified all my doubts, and made the whole process simple. One of the best parts was that Zolve even reimbursed my processing fee, which was a big help. Highly recommend Zolve to students planning to study abroad!

I've been a Zolve user for over a year now. I think they are doing a good job for students. But, they lack some core features that students need like 0% APR for new comers. As they charge more when you won't pay on time or didn't pay your statement in full. Your account will be charged with a hefty amount. And they are very particular about the CLI thing. I don't know the exact format they use, but I didn't get any CLI till now. I'm a stubborn person when it comes to the payments on time. That's it, they have a long way to go.

The ability to have a bank account and credit card is an amazing proposition, which did live up to most expectations. There are a few things that could have been better for a more positive experience. 1. You get two routing numbers, one for ACH and one for Wire. but note that the one for Wire doesn't support outgoing transactions which hit me with ~$150 of fees due to failed payments and not to mention the people on support didn't seem to know much about it either. I did find a mention later in the help section for the bank information page in the app, but it was too late by then. 2. Bank Statements are weird to get, and the UI was not intuitive (just me perhaps), not to mention some time and follow ups to get them (Support was great to help me out especially since I was in a hurry at the time) 3. There are many fintech apps that use a service called plaid to connect bank accounts, but this just didn't seem possible with Zolve since we don't have access to the underlying bank account directly. Overall, it started off great but felt a bit lacking, which can definitely be improved for future customers though.

The service works fine most times, I got a good credit limit due to my history back home. Non-transaction related software is sometimes buggy, app feels like it's held together somehow not very good UX, the transactions weren't accessible (although they don't mess with the actual transactions so no worries about real money). I wish they didn't send me literally 50 emails to fill this form.

Zolve cannot be your primary account. 1) No credit score reporting yet. They keep sending emails they signed up to a new credit reporting agency etc., but, I haven't seen any credit card related usage being reported when I check using NerdWallet, SavvyMoney etc.. 2) Plaid integration - this leaves so much to be desired that almost all payments or account access mechanisms use Plaid and Zolve doesn't integrate with it. Even though CFSB integrates, they aren't syncing Zolve user account details to CFSB and hence, we cannot use Plaid. Apart from these two major issues, Money is kept safe i guess, I haven't seen spurious transactions or any charges applied so far. So, it is good from that front.

Till today it was a good experience(Five star). Today I got the transactions declined when I most needed it. Confirmed with the chat support that the transaction limit for both credit and debit card is $5000 per day. Unfortunately it did not work , Neither $3000 worked. Had to pause the transaction and come back home , felt bad as things didnt work out.

Partner with Zelle as soon as possible to immediately receive another star!