Zions Bank Review

Is this the loan company for you?

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  • Interest rate discount for ACH
  • Good range of personal loan amounts


  • Longest term length is 36-months
  • Must visit a branch to complete loan

What You Need to Know

Zions offers a personal loan interest discount of 0.25 percent. To qualify, you must have payments automatically withdrawn from a Zions account. Any Zions account earns the interest rate discount of 0.25 percent. A Zions Gold bank account receives an extra 0.25 percent discount.

There is a good range of personal loans offered by Zions Bank. Their smallest loan amount is $2,500. The largest loan available is a $100,000 loan. You must qualify to receive large loan amounts.

Zions longest term length is only 36-months. They offer large loan amounts, up to $100,000. But they do not provide a longer-term length for those large loans. If you qualify for a considerable loan amount, be sure you can repay the loan in the time allowed.

To complete the loan application, you must visit a Zions Bank branch location. When you apply for the loan online, you can choose which branch to visit. There you will sign the closing documents and receive your check. At the branch, you can sign up for autopay to make your repayments, but you must visit a branch location to complete the loan.

Qualifications to Apply for Zions Bank Loans

Useful Information About Zions Bank Loans

Additional Relevant Information

There is a set origination fee of $75 for all Zions Bank personal loans. The origination fee does not change based on your loan amount. Every loan has that set origination fee. You may have more fees, depending on your application and qualifications.

History and Achievements

Zions Bank started in 1873 in Salt Lake City, Utah. It is one of the oldest financial institutions in the Intermountain West. Over the years, Zions has received awards for:

Zions Bank is a division of Zions Bancorporation. They have over $65 billion in assets. Zions Bancorporation has banking offices in ten states in the United States. Zions Bank only operates in Utah, Idaho, and Wyoming. They have over 120 branch locations in these three states.

Frequently Asked Questions

Can I apply for a loan entirely online?

No. To complete the application, you must visit a branch location. There you will sign the final documents and receive your check. You can choose the Zions branch location when you apply for the loan online.

What is the lowest my credit score can be?

There is not a set minimum requirement for your credit score. Approval includes your credit score along with other factors. Those can include debt, income, credit history, and if you have a cosigner.

What is the smallest loan amount available?

The minimum loan amount available through Zions is $2,500.

What is the largest loan amount available?

Zions Bank offers personal loans up to $100,000. You must qualify to receive large loan amounts.

What are the loan term lengths?

The maximum term length available is a 36-month term.

Are the interest rates competitive?

Yes. The Zions interest rates are competitive with other lending companies. The rate you receive depends on your qualifications.

Are the interest rates fixed?

Yes. The Zions Bank personal unsecured loans offer fixed interest rates. The interest rate you receive for the loan stays the same for the entire term.

What types of loans are available?

Zions offers personal unsecured and secured loans. They offer mortgages, lines of credit, and auto loans. You can use personal loans for unexpected expenses, home improvements, or debt consolidation.

What information do I need to apply for a loan?

Zions will request your address, phone number, and a valid email address. They will need to verify your SSN, income, employment, and other debt payments. They will also verify your credit score and credit history.

How long does approval take?

Approval may take a few minutes or up to one business day. The approval time depends on your application. Zions will email you with the information regarding your loan approval.

How long will it take the money to enter my account after approval?

You must visit a Zions branch to receive your loan money. At the branch, you will sign the final loan documents and receive your check. You can choose the branch location when you fill out the loan application online.

If I have been denied a loan before, how long do I have to wait to apply again?

Zions does not have a set amount of time you must wait before you apply again. They offer cosigner loans. You can reapply immediately with a cosigner if you are denied.

What are the payment options to repay my loan?

Repay your loan through automatic withdrawals, checks, or online. You can make payments over the phone or by visiting a local branch location. There are no fees for paying with these options. Payments made by ACH from a Zions account receive an interest rate discount.

Can I pay my loan off early?

Yes. Zions does not have a fee for paying your loan off early.

Is my information secure?

Yes. Zions operates on a secure site. They encrypt personal information. Their security measures comply with federal laws. Their computers have safeguards. Their buildings and files are secure. They restrict the personal information employees can see.

Does this loan company offer a mobile app?

Yes. With the Zions mobile app, you can access your account.

How do I contact customer service?

By phone, email, mail, or by visiting a local branch location. You can follow Zions on Facebook, LinkedIn, Twitter, and YouTube.

Bank Contact Information

Zions Bank
P.O. Box 30709
Salt Lake City, UT 84130