ZippyLoan

What ZippyLoan does

ZippyLoan is a US-based online loan connection marketplace headquartered in Minden, Nevada. The company operates a self-serve platform that matches prospective borrowers with a network of more than 100 participating lenders offering personal loans ranging from $100 to $15,000. The platform is not a lender, broker, or agent of a lender; it instead functions as a lead-generation intermediary that collects borrower information through a five-minute online form and transmits qualified leads to lenders in exchange for referral fees.

The core technology consists of a proprietary real-time matching engine combined with a multi-step intake form and 256-bit SSL encryption for data protection. Products exposed to consumers include unsecured installment loans (typically 6 to 72 months), short-term payday-alternative loans, debt-consolidation guidance content, and an optional third-party-powered credit score check. The service is available 24/7 to US residents aged 18 and over, accepts all credit types, and is excluded from New York, West Virginia, and Oregon.

ZippyLoan generates revenue exclusively through affiliate referral fees paid by lenders whose qualification criteria a borrower's profile satisfies; consumers are not charged for using the platform. The business is privately held with a reported 1–10 employees, no disclosed outside funding, and no parent company. In February 2026, ZippyLoan entered a loan-servicing arrangement with ETHZilla for a $4.7 million tokenized manufactured-housing loan portfolio, indicating a modest diversification beyond its core consumer lead-generation model.

Name

ZippyLoan

Legal name

ZippyLoan

Website

https://zippyloan.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

ZippyLoan is a US-based online marketplace that connects prospective borrowers with a network of over 100 lenders offering personal loans from $100 to $15,000, earning revenue through lead-referral fees paid by participating lenders.

Ownership category

akta.pro rank

Product category

Online Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAKAOAA

Subprime Installment Loans (Non-Prime Personal Loans)

Financial & Insurance/Lending & Consumer Finance/Specialty & Subprime Consumer Lending

SECONDARYFSAKAMAI

Small-Dollar Short-Term Installment Loans (Non-payday)

Financial & Insurance/Lending & Consumer Finance/Payday Loans & Short-Term Credit

SECONDARYFSAKAMAA

Single-Payment Payday Loans

Financial & Insurance/Lending & Consumer Finance/Payday Loans & Short-Term Credit

Keywords

• Personal loan marketplace
• Loan connection service
• Consumer lending platform
• Online loan matching
• Short-term lending

Headquarters

HQ city

Minden

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Marketing or Sales, Operations, Personnel

Revenue model

1. Lead Generation Fees from Lenders: ZippyLoan receives compensation from participating lenders when a prospective borrower's information meets the lender's qualification criteria and is transmitted as a qualified lead. The company acts as an intermediary connecting borrowers with lenders and earns revenue through these lead referral fees paid by the lender network.
2. Lender Network Compensation: Compensation received from lenders who determine that a potential borrower appears to meet their lending criteria. This is the primary revenue stream for the free consumer service.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

ZippyLoan operates an online loan-matching marketplace that connects prospective borrowers with a network of over 100 participating lenders. The free consumer service allows users to request personal loans ranging from $100 to $15,000 through a 5-minute online form, with funds typically deposited as soon as the next business day. ZippyLoan is not a lender, does not make loans, and earns revenue through referral fees paid by lenders for qualified leads.

Product overview

ZippyLoan is a loan-matching marketplace platform, not a direct lender. It operates a network of over 100 third-party lenders and offers two loan product types: Personal Loan (Installment) for amounts from $300 to $15,000 with repayment terms of 6 to 72 months, and Short-Term Loans repaid on the borrower's next payday. The core Personal Loan Connection Service aggregates both product types through a single 5-minute online request form. Additional features include a third-party Credit Score Check tool and educational Debt Consolidation guidance content. The platform connects borrowers with lenders 24/7, accepts all credit types, and deposits funds as soon as the next business day.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loan Connection Service A free online loan-matching service that connects prospective borrowers with a network of over 100 participating lenders for personal loans ranging from $100 to $15,000. Users complete a 5-minute online form and are redirected to a lender's website to finalize loan terms, with funds typically deposited as soon as the next business day.
• Personal Loan (Installment) An unsecured personal loan repaid over multiple fixed monthly installments, typically ranging from 6 to 60 months (in some cases up to 72 months), available through the lender network for amounts between $300 and $15,000.
• Short-Term Loan A smaller loan amount, typically repaid on the borrower's next payday, offered by short-term lenders within the network as an alternative for immediate cash needs when installment lending is unavailable.

Quantifiable outcome

• Funds typically deposited next business day for requests received before 5pm CST
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• ETHZillaminorStrategic or Co-development Partner · 5 February 2026ETHZilla acquired a $4.7 million portfolio of manufactured and modular home loans and plans to tokenize them on an Ethereum layer-2 network. The loans are secured by first-lien mortgages expected to generate approximately 10% annual yield, with Zippy Loans providing loan servicing for the portfolio.
• Participating Lenders NetworkcoreChannel Partner/ Reseller/ DistributorZippyLoan maintains a network of over 100 participating lenders who review borrower requests and determine loan eligibility. Lenders pay compensation to ZippyLoan for leads that meet their qualification criteria. The network includes both installment and short-term loan providers serving various credit profiles.

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Emerging players

• Possible Finance: Mobile-first small-dollar installment loan provider serving non-prime borrowers with small loan amounts. Overlaps with ZippyLoan's small-dollar installment offering, though as a direct lender.
• MoneyLion: Digital finance platform offering personal loans, credit-building products, and cash advances to non-prime consumers. Comparable target customer (subprime/credit-builder) and online distribution model, though operating as a direct lender.
• Dave: Subscription-based app offering small-dollar advances and budgeting tools targeted at paycheck-to-paycheck consumers. Overlaps with ZippyLoan's short-term / cash-advance use case for subprime borrowers.
• Earnin: Earned-wage access platform giving users early access to earned wages before payday. Comparable to ZippyLoan's short-term / next-payday use case and non-prime borrower base.

Direct peers

• LendingTree: The largest US online loan comparison marketplace connecting borrowers with multiple lenders across personal loans, mortgages, and other credit products. Most directly comparable to ZippyLoan in marketplace/lead-gen model, though at far greater scale and product breadth.
• PersonalLoans.com: Online loan connection service offering personal loans from $250-$40,000 via a network of lenders, accepting borrowers across credit types. Closely mirrors ZippyLoan's funnel, lender-network economics, and non-prime targeting.
• Even Financial (LendingTree): Operates an API-driven financial product marketplace connecting consumers with lenders across personal loans, cards, and deposits. Comparable as a technology-led loan connection platform serving lenders with referral economics.
• CashAdvance.com: Loan connection service focused on short-term and small-dollar loans for borrowers with imperfect credit. Direct overlap with ZippyLoan's short-term / payday-alternative product line.

Broad incumbents

• Upstart: AI-driven personal loan platform that both originates loans and operates a marketplace/lending-as-a-service offering to banks. Overlaps with ZippyLoan in non-prime personal loans, but as a vertically-integrated lender with proprietary underwriting.
• NetCredit: Online personal loan provider specializing in non-prime and subprime borrowers with loan amounts up to $10,000. Adjacent competitor for the same end customer, operating as a direct lender rather than a marketplace.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ZippyLoan