Zoooom Payments launched in California. It is not California-only any more — you can buy and sell through Zoooom across most of the country. Here is exactly where it works, where it does not yet, and why.
Where you can transact
Nearly everywhere. Buying, selling, listing and payment are all available except in ten states:
Not live yet
Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York, Oklahoma, Wisconsin and Wyoming.
Why those ten
They are title-holding states, where the registered owner keeps the title even while a lien is outstanding. That changes what has to happen at the handoff for a buyer to end up with a clean title, and Zoooom does not handle lien payoff in those states yet. Rather than let a deal reach the meetup and then fail on paperwork, we hold off until we can complete the transfer properly. We are working through them.
The restriction follows the vehicle’s title and the seller’s verified state — not where you happen to be standing when you open the app. And it only covers transacting: you can still add a car titled in any state to your Garage, track its maintenance history, and run a vehicle report on it.
How you pay
- Credit or debit card, on cars up to $15,000. The seller is paid within minutes. You add Zoooom’s flat $100 plus processing at cost — the card rate of 2.9% + 30¢ and the 1% instant-payout fee, roughly 4% together. Your own bank’s limit is separate and usually much lower, so call ahead for a large charge.
- Bank wire, at any price. The cheapest option: only the $100, because Zoooom covers the bank fee. It is the only rail for a car above $15,000, and it is not instant — start it before 2 PM Pacific to land the same day.
- Cash at the handoff, with no Zoooom fee at all. You can also split: part online, the rest in cash, with the $100 riding the online portion. If you are a little short of cash, putting just the gap on a card is far cheaper than putting the whole price on one.
Checkout prices each rail exactly before you confirm, so you can compare them side by side. Whichever you pick, the seller receives their full asking price — nothing is deducted from them for processing.
What Zoooom does not do
We do not offer financing, auto loans or buy-now-pay-later. Financing is coming, but it is not here yet — for now, arrange a loan with your own bank or credit union before you shop. And we do not hold your money in escrow: payment moves from buyer to seller through Stripe, and Zoooom is never in the middle of it.
Full detail on every rail is in the payment methods guide, and the state rules are covered in the state restrictions guide.