Auto-draft poorly timed.
I didn’t like my account being hit on payday right after midnight before my paycheck hit. I think it happened a couple of times, so perhaps timing of the auto draft can be changed.
By Elizabeth M.
Sunday, November 8, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
182 reviews
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Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Zo Financial helps consumers by: Providing scheduled payments to acquire the items they don’t have the cash to put down on. Providing a LOW or NO credit option to get the items they need. Providing a way to spread out payments over time to ease the impact on their bank account. Providing multiple paths to ownership: 90-Days Early-Purchase, Anytime Early Purchase, and renewable lease for up to 12 months. Contact us at 833-719-1096 to learn more about early-purchase and payment options.
Zo Financial (zofinancial.com) has 182 customer reviews on The Fair Hearing, with an average rating of 4.1 out of 5.
Showing 6 reviews with 3 stars · Clear filters
I didn’t like my account being hit on payday right after midnight before my paycheck hit. I think it happened a couple of times, so perhaps timing of the auto draft can be changed.
By Elizabeth M.
I didn't like how the cost was more than twice what the items were worth. I paid off early to save as much as possible.
By Slayter S.
Need to be more specific about how your " 90 days " work, because if one does not pay in full the amount in this time period Zo charges the doble of the amount!!!!
By customer
Would like an update on my loan.
By Eliza M.
Glad to have paid it off, that's about it.
By James M.
I was not explained that you charge taxes if you make extra payment to have payed off in 90 days.
By Alisha