No Credit? Bad Credit? You Still Have Options

If you’ve ever applied for a loan and been rejected because of your credit score, you're not alone — and you’re definitely not out of options. At Zurich Funding, we know that life happens. Credit scores can drop due to unexpected events: medical bills, job loss, or just trying to keep up. That’s why we do things differently.

We Look at the Bigger Picture

While most lenders stop at your credit report, Zurich Funding goes further. We evaluate your income, bank activity, and overall financial behavior not just your credit score. So even if your credit isn’t perfect, you may still qualify for our Zurich Advance installment loan or personal loan.

Our Basic Requirements

Here’s what we actually look for:
- You’re 18 or older
- You’re currently employed or have a steady income (Social Security, etc.)
- You have an active checking account
- You don’t have any charge-offs or accounts in collections (Credit Cards, Loans)

That’s it. We keep it simple, because we’re here to help you move forward — not hold your past against you.

A Second Chance, Built-In

The best part? Our clients often come back for higher loan amounts once they build a solid payment history with us. No hidden hoops, no unnecessary fees. Just a relationship built on trust.

Ready to Apply?

Click to start your Zurich Advance application today and get funded today!