Frequently Asked Questions

Zavrano is an online loan-connection service. We're not a lender — we connect borrowers with a network of licensed lenders who compete to offer you the best terms based on your situation.

Yes. Submitting your information through Zavrano is completely free. You'll never be charged a fee to use our service.

Checking your options through Zavrano uses a soft credit inquiry, which does not affect your credit score. If you accept a lender's offer, that lender may then perform a hard credit check as part of finalizing your loan.

Loan amounts range from $200 to $50,000, depending on the lender and your financial profile. Not every lender offers the maximum amount, and submitting a request does not guarantee approval.

You must be at least 18 years old, a U.S. citizen or permanent resident, have an active checking account, and have a steady income of at least $1,000 per month. Individual lenders may have additional criteria.

Yes. Our lender network includes providers who consider all credit profiles — including fair, poor, and limited credit. While a lower credit score may mean a higher interest rate, having options is better than having none.

Personal loans through our network can be used for almost any legitimate purpose, including debt consolidation, home improvement, medical expenses, car repairs, moving costs, and major purchases.

The online form takes less than 5 minutes to complete. Most applicants receive initial offers within minutes of submitting.

Once you accept an offer and complete the e-signature with your chosen lender, funds can be deposited into your bank account as soon as the next business day. Some lenders even offer same-day funding.

You'll need basic personal details (name, address, date of birth), employment and income information, and your active checking account details. Have your government-issued ID handy in case the lender requests verification.

APR (Annual Percentage Rate) represents the true yearly cost of borrowing. Rates typically range from 5.99% to 35.99% depending on your credit profile, loan size, and state regulations. Lenders are required by law to disclose the APR before you accept any loan.

No — all fees are clearly disclosed in your loan agreement before you sign. Common fees may include origination fees, late-payment fees, or returned-payment fees, depending on the lender.

If you borrow $10,000 over 36 months at a fixed rate of 21.9% APR (representative), your monthly repayment would be $381.72, with a total amount repayable of $13,741.92 and a total cost of credit of $3,741.92. The rate you actually receive may differ.

Zavrano uses 256-bit SSL encryption to safeguard your personal and financial data. Your information is only shared with lenders in our vetted network, and we never sell your data to third parties without your consent.

By submitting your request, you authorize the lenders in our network to contact you about your application. You can opt out of marketing communications at any time.