Solution: Zoca Loans is a tribal loan. So, you need to pay just the principal amount. So, don’t have to pay a penny extra. If they ask you to pay interest on the loan, make a complaint against them to your State’s Attorney General.
Not only Zoca Loans, many tribal and payday loan lenders set up similar terms and conditions while providing such short term loans. That is illegal.
It is also prohibited in some places like Colorado.
So, if you’ve taken out such a loan, they can’t do anything if you don’t repay even the principal amount. But, morally, pay only the principal amount.