Get Your VYC Loan Today

Quick and secure loans powered by VYPay. Borrow between 20-500 VYC with flexible repayment terms.

Why Choose ZepLoan?

Instant Approval

Get approved and receive funds within minutes. No lengthy paperwork or waiting periods.

100% Secure

Your credentials are processed securely. We are officially partnered with VYBO.

Flexible Terms

Choose repayment terms from 7-30 days with competitive interest rates starting at 0.93% per day.

Loan Terms

Verified Loan

Only Option

  • 20 - 500 VYC loan amount
  • 7 - 30 days repayment period
  • 0.93% daily interest (after 7 days)
  • Requires VYPay balance verification
Secure Process: We only check your balance once to prevent fraud. Your credentials are used solely for verification and are not stored. This process has been checked by VYBO.

Loan Application

Min: 20 VYC, Max: 500 VYC
Choose between 7 and 30 days. Interest starts after day 7.
VYPay Authorization (Required for Verified Loans)
Why do we need this?
To prevent fraud and ensure account legitimacy, we perform a one-time balance check. Your password is NOT stored and is only used for this single verification. The loan will be sent to this verified account. This process has been checked by VYBO.

Note: Newly created accounts with a low amount of VYC will be declined.
Security Notice:
Please create a one-time password at VYPay. Please click this link to create a one-time password. Enter that one time password instead of your account password, because of security. Process checked by VYBO!
The loan will be sent to this VYPay account after verification.
Loan Summary

Loan Amount:

0.00 VYC

Repayment Period:

7 days

Interest Rate:

0.93% per day

Total to Repay:

0.00 VYC

Terms of Service & Privacy Policy
Terms of Service

By applying for a loan through ZepLoan, you agree to the following terms and conditions:

1. Loan Agreement
  • You acknowledge that you are borrowing VYC (VYPay Currency) from ZepLoan and agree to repay the full amount owed by the specified due date.
  • The loan amount, interest rate, repayment period, and total amount owed are clearly displayed before submission and constitute a binding agreement.
  • You confirm that you are the legitimate owner of the VYPay account receiving the loan funds.
  • You certify that all information provided is accurate and truthful.
2. Interest & Fees
  • Verified loans (with VYPay authorization) have a 7-day interest-free grace period. Interest of 0.93% per day applies after day 7.
  • Standard loans (without verification) have a fixed interest rate of 1.30% applied at day 7.
  • Interest calculations are final and cannot be disputed after loan approval.
  • No hidden fees - all costs are displayed upfront in the Loan Summary.
3. Repayment Obligations
  • You must repay the full amount owed (principal + interest) by the due date specified in your loan agreement.
  • Payment must be made to the email address tad.am.gz@gmail.com via VYPay.
  • Partial payments are accepted and will reduce your outstanding balance.
  • You are responsible for ensuring payment is sent correctly and received by the due date.
4. Late Payment & Enforcement
  • If payment is not received by the due date, your loan will be marked as overdue.
  • If the loan is not paid back within 14 days after the due date, ZepLoan will contact VYBO (VYBO LLC) and request immediate account seizure.
  • VYBO may freeze, suspend, or permanently seize your VYPay account to recover the outstanding debt.
  • You authorize ZepLoan to share all loan details, transaction history, and personal information with VYBO for enforcement purposes.
  • Account seizure may result in loss of all funds in your VYPay account to satisfy the debt.
  • Additional penalties, legal fees, or collection costs may be added to your outstanding balance.
5. Account Verification (Verified Loans Only)
  • For verified loans, you must provide your VYPay email and password for a one-time balance verification.
  • Your password is used ONLY to verify your account balance and is NOT stored by ZepLoan.
  • Accounts with zero or insufficient balance will be declined.
  • You acknowledge that the loan will be sent to the SAME VYPay account that was verified.
  • Attempting to use another person's account for verification is considered fraud and will result in immediate loan cancellation.
6. Fraud Prevention & Security
  • ZepLoan logs all loan applications, including IP addresses, timestamps, and device information for security purposes.
  • Fraudulent loan applications will be reported to VYBO and may result in permanent account bans.
  • Creating multiple accounts to circumvent loan limits is prohibited and may result in all loans being called immediately.
  • You agree not to use VPN, proxy, or any method to hide your true identity or location.
7. Loan Limitations
  • You may only have one active loan at a time.
  • New loan applications will be denied if you have an outstanding balance.
  • ZepLoan reserves the right to deny any loan application without providing a reason.
  • Loan limits and terms may be changed at any time without prior notice.
8. Cancellations & Refunds
  • Once a loan is approved and funds are transferred, the loan agreement is binding and cannot be cancelled.
  • If you receive loan funds in error, you must return them immediately.
  • Failure to return erroneously received funds will result in debt collection procedures.
9. Liability & Disclaimers
  • ZepLoan is not responsible for VYPay service outages, payment delays, or technical issues.
  • You are responsible for maintaining accurate records of your loan and payments.
  • ZepLoan is not liable for any damages, losses, or consequences resulting from your use of this service.
  • All loans are provided "as-is" without warranties of any kind.
10. Modifications
  • ZepLoan reserves the right to modify these Terms of Service at any time.
  • Continued use of the service after modifications constitutes acceptance of the new terms.
  • Existing loan agreements remain subject to the terms in effect at the time of approval.
Privacy Policy
1. Information We Collect
  • Personal Information: VYPay email address, account balance (for verified loans).
  • Loan Information: Loan amount, repayment period, interest rate, due date, payment history.
  • Technical Information: IP address, browser type, device information, timestamps.
  • Authentication Data: VYPay password (used once for verification, NOT stored).
2. How We Use Your Information
  • To process and manage your loan application.
  • To verify your VYPay account balance and prevent fraud.
  • To communicate with you about your loan status and payments.
  • To enforce loan agreements and collect outstanding debts.
  • To maintain security logs and prevent fraudulent activity.
  • To comply with legal obligations and requests from VYBO.
3. Information Sharing
  • VYBO: We share loan details and personal information with VYBO for account verification and debt enforcement.
  • VYPay API: We communicate with VYPay's API to verify balances, transfer funds, and check payments.
  • Public Disclosure: We do not publicly disclose your personal information.
  • Legal Requirements: We may disclose information if required by law or to protect our rights.
4. Data Security
  • Your VYPay password is NEVER stored - it is used only for one-time verification via VYPay's API.
  • All loan data is stored securely in an encrypted database.
  • We use HTTPS/SSL encryption for all data transmission.
  • Access to loan data is restricted to authorized personnel only.
  • While we take security seriously, no system is 100% secure and we cannot guarantee absolute security.
5. Data Retention
  • Loan records are retained indefinitely for accounting and legal purposes.
  • Payment history is maintained permanently.
  • Security logs (IP addresses, timestamps) are retained for fraud prevention.
  • You may request to view your loan data by contacting us at tad.am.gz@gmail.com.
6. Third-Party Services
  • We use VYPay's API services to process loans and payments.
  • Your use of VYPay is subject to their own terms and privacy policy.
  • We are not responsible for VYPay's privacy practices or data handling.
7. Your Rights
  • You have the right to access your loan information at any time by entering your Loan ID.
  • You can contact us to correct inaccurate information.
  • You cannot request deletion of loan records until all debts are satisfied.
  • You can opt out of future loans by not applying, but existing loans remain binding.
8. Transparency
  • ZepLoan operates with transparency in all loan operations.
  • You can contact us to inquire about our security practices and data handling procedures.
  • We believe in accountability and fair lending practices.
9. Contact Information
  • For questions about these policies, contact us at: tad.am.gz@gmail.com
  • For loan inquiries or payment issues, use the same email address.
10. Effective Date
  • These Terms of Service and Privacy Policy are effective as of November 15, 2025.
  • Last updated: November 15, 2025.
IMPORTANT: By submitting this loan application, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and Privacy Policy. Failure to comply may result in account seizure.