March 20, 2025

Loan Places Like OppLoans

By Penelope Besana
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OppLoans can provide a quick solution to modest financial needs. Nevertheless, there may be better options for you. Read on.

Searching for OppLoans alternatives?

Whether you require a higher amount or a longer repayment period, other welcoming online lenders exist. Like OppLoans, they provide competitive personal loan solutions tailored to various financial situations.

Below, explore ten great options that may offer exactly what you're looking for.

What else is like OppLoans?
Here are loan places similar to OppLoans:
  1. Upstart: $1,000 to $50,000
  2. Avant®: $2,000 to $35,000
  3. MoneyMutual®: Up to $5,000
  4. OneMain Financial®: $1,500 to $20,000
  5. CashUSA.com: $500 to $10,000
  6. Smart Advances: $100 - $20,000
  7. ZippyLoan: $100 to $15,000
  8. Life Loans: $100 to $40,000
  9. Oportun: $300 to $10,000
  10. LendingPoint: $1,000 - $36,500

Pro tip: Need a couple hundred dollars? Check out EarnIn and Cleo first—both have no mandatory fees and no credit checks!

Due to state-specific regulations, payday loans aren't available to residents of:

10 Loans Like OppLoans

Opploans isn't the only one capable of same-day funding when applying for a personal loan of up to $4,000. Since it's a fairly modest amount, you'll be glad to know the alternatives can loan you more than that.

What's your primary reason for considering a loan?

Let's start with a lender that can fund you ten times over.

1. Upstart: $1,000 to $50,000

  • Competitive rates
  • May not require paperwork
  • Excellent Trustpilot rating
  • Multiple fees
  • No co-borrower option

Processing time: Most borrowers are instantly approved without paperwork; funding may be available in one business day.
Cost: Check here for your individual rate; origination fee and penalties may apply subject to the qualified state's guidelines[6].
Other products and services offered: Car loan refinance

Worried about your less-than-stellar credit? Both Upstart and OppLoans know the struggle is real, offering personal loans even if your credit score leaves much to be desired. However, the similarities seem to end there.

Upstart brings a tech-forward twist to lending. It uses AI to evaluate eligibility based on employment, income, and uniquely, education. For example, holding a degree in a high-demand field like engineering can signal strong earning potential, even if you have a rocky credit history.

A quick online application lets you check your rate in minutes. While APRs are competitive, they ultimately depend on your unique financial profile.

Upstart operates as a lending intermediary. As such, your loan is going to be funded by one of the financial institutions it works with, not Upstart.

To qualify, you must meet a baseline eligibility criterion, including earning at least $12,000 annually. Honestly, this income threshold is surprisingly achievable.

Lenders accepting credit card payments for personal loans are rare but not impossible to find. We've got one up next.

2. Avant®: $2,000 TO $35,000

  • Comparably lower APR
  • Single payment frequency
  • Mobile app available
  • Late and dishonored payment fees
  • No co-borrower option

Processing time: Usually decided in minutes; funding may be available on the next business day.
Cost: Check here to see APR; administration fee and penalties may apply subject to the qualified state's guidelines.
Other products and services offered: Credit cards, loan refinancing

Avant® stands out with lower APRs compared to OppLoans, primarily targeting borrowers with fair to good credit. So, if your credit falls below 600, Avant® may not be the best fit.

For borrowers with larger financial needs, Avant® approves personal loans of up to $35,000, repayable monthly. It also offers branded credit cards for added financial flexibility.

A unique feature of Avant® is its acceptance of credit cards for loan payments, though understandably, you can't use an Avant® credit card for this purpose.

Managing your loan is a breeze with Avant®'s user-friendly mobile app. Track repayments, view your account details, and more.

Does Avant check your credit?
To provide a rate estimate, Avant® begins with a soft credit inquiry that won't ding your credit score. The only time it will is with a hard credit check if you decide to move forward. Even then, that's just a temporary blip on your credit report.

3. MoneyMutual®: Up to $5,000

  • Multiple lender and APR options
  • Accessible for poor-credit borrowers
  • Manageable income requirement
  • May get a high APR offer
  • Varying eligibility guidelines

Processing time: Usually decided within minutes; funding may be available in 24 hours.
Cost: APRs vary; penalties may apply subject to state guidelines.
Other products and services offered: N/A

Like OppLoans, MoneyMutual® focuses on borrowers with smaller or moderate emergency fund needs.

Since it acts like an affiliate marketer, MoneyMutual®'s role is limited to facilitating your connection with a network of lenders providing payday loans, installment loans, and cash advances.

While loans are capped at $5,000, details like APRs, repayment schedules, and other loan conditions depend entirely on the actual lenders.

Don't expect tons of upfront information on MoneyMutual®'s website. To explore your loan options, first submit an online form with your financial details.

Here's how the process typically unfolds:

  1. Submit an online request form.
  2. Wait for an offer from a lender, usually arriving in minutes.
  3. Review the lender's offer, APR, repayment terms, etc.
  4. Choose the best fit and agree to the loan terms.
  5. Once approved, funds are deposited into your bank account, often within 24 hours.

Try this handy calculator to crunch the numbers and see exactly what your monthly payments could look like.

Personal Loan Calculator

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Looking to team up on a personal loan? The following lender allows joint applications, perfect for combining financial forces.

4. OneMain Financial®: $1,500 to $20,000

  • Multiple loan options
  • Wider availability
  • Allows a co-applicant
  • Multiple fees
  • May require collateral for large loan amounts

Processing time: Usually decided quickly; funding may be available in one hour after loan closing.
Cost: Check here to see estimated APR; origination fee, penalties, and governmental fees may apply subject to state guidelines.
Other products and services offered: Credit cards, secured loans, loan refinancing, insurance

OneMain Financial® boasts some serious staying power, with a history spanning over a century. This lending giant offers both unsecured and secured personal loans, making it a viable option if you can offer collateral to secure a better rate.

OneMain's APRs may be higher than traditional banks but competitive for borrowers with less-than-perfect credit. You can apply online, by phone, or visit one of OneMain's 1,300+ branches across the country.

Here's something interesting about OneMain Financial®: It doesn't just look at numbers. It also cares about why you need the loan, which helps in risk assessment. For instance, using the loan to consolidate debts or make home improvements is generally seen as less risky since it may indicate responsible financial planning.

While OneMain Financial® can provide loan amounts up to $20,000, there's a catch for borrowers in certain states. For example, if you're in North Carolina, your unsecured loan amount is capped at $11,000. Others like Maine, it's $7,000; Mississippi is $12,000, and West Virginia is $13,500.

5. CashUSA.com: $500 to $10,000

  • Competitive rates
  • Convenient process
  • Manageable requirements
  • Matched lender may not offer the best terms
  • Personal info sharing with third parties

Processing time: Usually decided in minutes; funding may be on the next business day.
Cost: APRs vary by lender; penalties may apply subject to the qualified state's guidelines.
Other products and services offered: N/A

CashUSA.com is another online lending matchmaker designed to pair borrowers with lenders in its network. As such, your loan terms will depend on the lender you get an offer from.

The platform works by forwarding the details you've provided in its online application form to lenders, who in turn may pull up your credit information.

While this may be a straightforward process, information sharing with third-party marketers may be disconcerting. You may opt out after submitting your loan request.[7]

To qualify for a personal loan with CashUSA.com, you must be:
  • 18 years old or above.
  • A U.S. citizen or permanent resident.
  • Earning at least $1,000/mo. after taxes.
  • Employed for at least 90 days.
  • A checking account holder.
  • Using a valid email address and phone number.

In case you don't get approval, you may be given alternatives like offers for debt relief, credit repair or similar services.

6. Smart Advances: $100 - $20,000

  • Quick processing
  • Competitive APRs
  • Accommodates low credit scores
  • No phone support
  • May be subject to hard credit inquiry prior to approval

Processing time: Usually decided in minutes; funding may be available one business day after loan closing.
Cost: APRs vary by lender; origination fees and penalties may apply subject to state guidelines.
Other products and services offered: N/A

Need cash fast? Smart Advances might be your emergency fund lifeline. Here, you can get approved and funded in one business day. However, speed isn't its only selling point.

Smart Advances understands that not everyone's credit is the same. Whether you have a super-prime credit score or working to rebuild your financial reputation, this lending marketplace has options for you. Just remember that the final loan terms depend on the specific lender in its network.

As a rule of thumb, the higher your credit score, the lower your APR offer. Conversely, those with poor credit may have to contend with higher interest rates.

Flexibility is another advantage. Whether covering unexpected expenses or booking a vacation, Smart Advances allows you to use the funds for any purpose. Plus, even if you're not employed, you can still qualify as long as you receive other forms of regular income like fixed benefits of at least $1,000 monthly.

Is SmartAdvances.com legit?
Yes, Smart Advances is a legitimate online lending marketplace that helps borrowers connect with potential lenders for free. Plus, it's a member of Online Lenders Alliance (OLA)—a trade association committed to promoting ethical business practices and compliance within the online lending industry.

7. ZippyLoan: $100 to $15,000

  • Flexible lenders
  • Loan can serve any purpose
  • Hassle-free online process
  • No customer support
  • May be subjected to hard credit inquiry

Processing time: Usually decided in real time; funding may be available on the next business day.
Cost: APRs vary by lender; origination fees and penalties may apply subject to state guidelines.
Other products and services offered: N/A

Like many lending marketplaces on this list, ZippyLoan accommodates borrowers across a wide range of credit scores. It says it won't disqualify you even if you're still building your credit.

The platform connects you with lenders offering personal installment loans with repayment terms of up to 72 months. Additionally, if you need a short-term solution, some lenders in its network provide payday loans typically due on your payday.

Questions about APR, repayment schedule, and others must then be directed to the individual lender. So, it's important to review their specific terms before accepting any loan offer.

The application process is entirely online. You can conveniently e-sign your loan agreement once approved.

Unlike some lenders, ZippyLoan doesn't restrict how you use your loan proceeds. Having a steady income seems more important for them. As long as you can handle the payments, it's your call what you do with the funds.

8. Life Loans: $100 to $40,000

  • Accepts all credit types
  • More relaxed employment requirements
  • Phone support
  • May perform a hard credit check before approval
  • Shorter term for loans up to $2,500

Processing time: Usually decided in seconds; funding may be available on the next business day.
Cost: APRs vary by lender; origination fees and penalties may apply subject to state guidelines.
Other products and services offered: N/A

Life Loans is a free referral platform that connects you to potential lender partners or loan companies. To get started, you fill out an online form securely forwarded to the companies in its network.

These lenders will quickly review your information and decide if they'll offer you a loan—usually within seconds. If approved, you'll be contacted directly or brought to the lender's website to proceed.

You're under no obligation to accept any loan offer. Feel free to decline if the APR is too high, the repayment term is too short, or the terms don't work for your situation. This way you retain control over your borrowing decisions.

Occasionally, you might be matched with a tribal lender. Unlike state-licensed lenders, tribal lenders follow tribal and certain federal laws but aren't subject to state usury caps. If you choose to work with a tribal lender, be aware that you may also need to agree to resolve disputes under tribal jurisdiction.

9. Oportun: $300 to $10,000

  • Competitive APRs
  • Works with all types of credit
  • Excellent Trustpilot rating
  • Admin fee
  • May not be available in your state

Processing time: Usually decided within minutes; funding may be available in 24 hours.
Cost: Check here to see your estimated APR; administrative fees and penalties may apply subject to state guidelines.
Other products and services offered: Set & Save™

Oportun makes personal loans available even for those who struggle to qualify with traditional lenders. You can check if you prequalify without impacting your credit score, giving you a clear picture of your options before applying.

Unlike OppLoans, Oportun charges significantly lower APRs even if your credit isn't great. Loan terms can stretch up to 54 months, with flexible payment schedules bi-weekly or monthly.

If you're looking to borrow a larger amount with a low credit score, applying with a co-signer who has good credit may help. You may also consider a secured personal loan using your vehicle as collateral to improve your chances.

The application process is straightforward and can be accomplished online, over the phone, or by visiting any Oportun store near you. Oportun also offers multiple payment methods, so it's easy to find one that suits your needs.

What happens if I don't pay Oportun?
If you miss a payment on your Oportun loan, late fees and/or NSF charges may apply. Oportun will report delinquency of more than 30 days to select national credit bureaus, which can impact your score. For secured loans, failure to pay could lead to repossession of your collateral.

In case the OppLoans alternatives we have recommended thus far don't meet your demands, maybe this last option will.

10. LendingPoint: $1,000 - $36,500

  • Wide availability
  • Simultaneous loan request may be granted
  • Excellent Trustpilot rating
  • Final approval may take several days
  • No co-signer option

Processing time: Usually decided within seconds; funding may be available the next business day after loan closing.
Cost: Check here to see your estimated APR; origination fees and penalties may apply subject to state guidelines.
Other products and services offered: N/A

LendingPoint is another go-to for substantial loan needs. Here, you can borrow as much as $36,500 and enjoy flexible repayment terms stretching to 72 months. Its competitive APRs make it on par with traditional banks.

LendingPoint's online-based application process is complemented with AI innovation that looks beyond credit scores. It can paint a more complete picture of you in seconds, helping you prequalify easily.

However, the final approval depends on whether you can submit any additional info it may require. This could take up to three business days, which can be frustrating when your need is urgent.

Nevertheless, another benefit that may appeal to a few is its openness to granting a second loan—even if you have an existing one. Note that this conditional accommodation should be used sparingly as it can easily lead to an endless cycle of debt. Instead, seek ways to make money.

What credit score do you need for LendingPoint?
LendingPoint doesn't rely solely on credit scores to determine loan eligibility criteria. However, borrowers with low to subprime credit scores should expect:
  • Potentially lower loan amounts
  • Higher APRs
  • Stricter borrowing conditions

Now that you've read the list of loan places like Opploans, below are answers to typical questions about personal loans.

How Do Personal Loan Networks Work?

Personal loan networks act as middlemen, connecting you with a wide range of lenders to increase your chances of finding a loan.

Instead of submitting your loan request individually, these platforms usually ask you to fill out an online application form, which is then forwarded to potential lenders. If approved, you'll usually receive several offers within minutes or a few hours.

Keep in mind that loan terms like APR and repayment schedules depend on the lender you choose—not the network itself.

What is Subprime Credit?

Subprime credit refers to credit scores ranging from 580 to 619, which are considered below average.[8] It's one of five credit score levels that lenders typically use as a reference for creditworthiness.

People with subprime credit are often viewed as higher-risk borrowers due to factors like missed payments, high debt-to-income ratios, or a lack of credit history. As such, lenders tend to charge higher APRs and fees to offset the risk.

What are the Basic Requirements for a Personal Loan?

The exact requirements for a personal loan vary between lenders. Here are the most common ones:

  1. Must be at least 18 years old
  2. A valid personal checking account
  3. An active email address
  4. Proof of income
  5. Minimum monthly income
  6. Government-issued ID

How can I get approved for a personal loan?

Here are some simple, effective strategies to improve the approval odds of your loan application:

  • Get a stable job
    While many lenders overlook one's credit score, they put a lot of weight on regular employment.

  • Limit hard credit inquiries
    When shopping for loans, choose a lender that conducts soft pulls instead.

  • Use a credit-builder loan
    Credit builder loans are recommended for those with no credit or poor credit. This motivates you to pay on time.

  • Keep your credit cards open
    Closing a credit card reduces your available credit, which can impact your credit utilization ratio.

  • Find a co-borrower/co-signer
    Especially if they have a high credit score and you don't, you can gain the confidence of hesitant lenders.

How long does OppLoans take to approve?
According to OppLoans, it aims to arrive at a decision within 24 hours. Nonetheless, it may take two to five days if additional information or documentation is needed.

Personal loan Alternatives

While loans can fix some financial problems, you might not need them in the first place given the following options.

Cash advance app
You can potentially save on interest charges. However, even the best cash advance apps are only ideal for small amount needs.

Borrow from friends and family
Reserve this option for small amounts to ensure you can pay them back and not risk straining relationships.

Credit cards
Although the APRs will likely be about the same as a personal loan, using your credit card may be more accessible and versatile.

Payday Alternative Loans (PALs)
If you're a credit union member, ask about these since they usually have lower rates.

Savings
This may be a last resort, but in case you take it up, make sure your need won't entail depleting your entire stash.

401(k) loans
If your plan sponsor allows it, you can borrow from your 401(k) without impacting your credit score.

As an alternative to personal loans, discover great cash advance app options here.

How to Choose Loans Like OppLoans

If you're considering a personal loan with OppLoans or a similar provider, weigh these three key factors before making a decision:

  • Eligibility requirements
    Does the lender meet your financial profile? Look for specifics like minimum income requirement, credit score qualification, and state availability. This ensures you're not wasting time applying for loans you're not eligible for.

  • Loan terms
    Are the APR and repayment terms reasonable for your budget? Make sure the loan amount aligns with your needs—too little or too much can create unnecessary financial strain.

  • Speed
    How quickly can you get approved and funded? Some lenders provide near-instant approval and same-day funding, while others take longer.

By keeping the above considerations in mind, you can make a confident and informed choice with a loan that suits your financial goals and timeline.

Methodology

When looking for loans like OppLoans, we put on our borrower glasses and dove deep. This wasn't just another list—this was a mission to find lenders who understand your financial reality.

We focused on loan features, the simplicity of the application process, and the quality of customer support. Our priority? Lenders who see beyond a credit score and accommodate borrowers with imperfect credit.

User reviews weren't just background noise—they were our compass. We scoured complaints, satisfaction ratings, and testimonials to separate genuine helpers from predatory lenders.

Transparency was a non-negotiable factor. Lender websites must provide clear conditions on APRs, fees, and repayment terms.

Lastly, we gave extra credit to lenders offering useful perks like financial education tools, promoting financial literacy and supporting responsible borrowing. These additional benefits are signs of a lender who cares about your overall financial health.

Bottom Line

OppLoans is just one of many personal loan lenders. Whether it's an intermediary like Upstart or an affiliate marketer like CashUSA.com, you have plenty of options offering flexible, modern approaches to borrowing.

Each lender on our list brings something unique, like friendlier interest rates, convenient mobile apps, or accommodating terms.

Remember, thoughtful comparison is key. So, don't just chase the quickest cash. Instead, seek a lender that aligns with your broader financial strategy.

References

  1. ^ Arizona Department of Insurance and Financial Institutions. What Happened to the Payday Lender that DIFI Used to License?, Retrieved 11/25/2024
  2. ^ Arkansas Office of the Attorney General. Payday Lending/Check Cashing, Retrieved 11/25/2024
  3. ^ Georgia Department of Banking and Finance. Payday Lending, Retrieved 11/25/2024
  4. ^ North Carolina Department of Justice. Payday Loans, Retrieved 11/25/2024
  5. ^ District of Columbia Department of Insurance, Securities, and Banking. Deferred Deposit Check Cashing (Payday Lending), Retrieved 11/25/2024
  6. ^ Upstart. What Fees Do You Charge?, Retrieved 12/3/2024
  7. ^ CashUSA.com. Privacy Policy, Retrieved 12/10/2024
  8. ^ Consumer Financial Protection Bureau. Borrower Risk Profiles, Retrieved 12/12/2024

Penelope Besana is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Penelope Besana at penelope.besana@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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