Compare 7 vetted OppLoans alternatives with APRs as low as 5.99% and loan amounts up to $50,000.
Access lending marketplaces that connect you to multiple lenders through one simple application.
Find the right bad credit loan based on your credit score, funding timeline, and repayment needs.
You are comparing alternatives to OppLoans
Personal Loans
81 customers chose this
Annual interest rate99% - 195%
Loan amount$500 - $5,000
Loan period9 - 18 months
Weekend PayoutNo
This is a calculation done by Financer and does not reflect the real cost from OppLoans. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Lending For Bad Credit. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from PersonalLoans.com. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Fast5KLoans. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Your Premier Lending. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Low Credit Finance. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from ACE Cash Express. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from BadCreditLoans.com. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Honest Loans. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from Consumers Credit Union. An individual credit assessment will be performed by the company.Calculating
This is a calculation done by Financer and does not reflect the real cost from GetCash.com. An individual credit assessment will be performed by the company.Calculating
we can't guarantee the complete accuracy on a day-to-day
Filters
Loan amount
Loan purpose
Product Statistics
A complete breakdown of all data points across the products in this comparison to help you make the right decision.
Loan amount
$0 - $300,000 ($13,007.64)
Loan period
1 week - 183 months (31 months)
Annual interest rate
0% - 1,564% (145.71%)
Minimum age
18 - 18 (18)
Minimum income
$0 - $2,000 ($420)
National bank account
32 (80%)
National phone number
34 (85%)
Citizenship
27 (67.5%)
Electronic identification
33 (82.5%)
Accepts Bad Credit History
37 (92.5%)
Payout within 24 hours
33 (82.5%)
Weekend Payout
5 (12.5%)
Loan extensions
19 (47.5%)
Early payback
34 (85%)
Loan broker
14 (35%)
Interest-free first loan
0 (0%)
Cosigner possible
3 (7.5%)
Approval rate
80% - 90% (83.75%)
Revocation period
16 (40%)
High approval rate
0 (0%)
Statistics based on 40 Loans products in our database.
CompanyLowestHighest
Lending For Bad Credit5.99%35.99%
PersonalLoans.com5.99%35.99%
Fast5KLoans5.99%35.99%
Your Premier Lending5.99%35.99%
Low Credit Finance5.99%35.99%
ACE Cash Express91.52%630.13%
BadCreditLoans.com5.99%35.99%
Honest Loans5.99%35.99%
Consumers Credit Union8.99%24.79%
GetCash.com5.99%35.99%
MoneyKey249%295%
Jora Credit75%349%
LendKey2.64%16.08%
Upgrade7.74%35.99%
Upstart6.2%35.99%
5KFunds5.99%35.99%
Credit Clock5.99%35.99%
Explore Credit5.99%35.99%
Universal Credit11.69%35.99%
Self Lender15.69%15.92%
CashNetUSA229%579%
Cash Store390%780%
Cash Advance15%1,564%
CreditFresh143%600%
Advance America143.29%688.28%
MoneyLion5.99%29.99%
MaxLend471.78%841.45%
Viva Payday Loans5.99%35.99%
CashUSA5.99%35.99%
LoansUnder365.99%35.99%
SecureSpeedyLoans5.99%35.99%
Loan in Personal5.99%35.99%
Wizzay.com5.9%35.99%
Speedy Cash199.99%729%
Spotloan99%490%
Fast Loan Advance5.99%35.99%
EarnIn0%0%
BMG Money19.99%35.99%
Plain Green Loans210%438%
Interest Rates
See how rates compare across all providers. The bars show the range between lowest and highest rates offered by each company.
Historical Loans Interest Rates
Average rates tracked monthly across 46 providers
Average rates tracked monthly across 46 providers
Average
Lowest
Highest
Aug 2025
152.51%
1.26%
1,646.58%
Sep 2025
154.93%
1.33%
1,667.75%
Oct 2025
156.62%
1.38%
1,682.54%
Nov 2025
157.02%
1.39%
1,685.99%
Dec 2025
155.84%
1.36%
1,675.65%
Jan 2026
153.15%
1.28%
1,652.17%
Feb 2026
149.37%
1.18%
1,619.09%
Mar 2026
145.14%
1.06%
1,582.11%
Apr 2026
141.21%
0.95%
1,547.77%
May 2026
138.27%
0.87%
1,522.06%
Jun 2026
136.78%
0.82%
1,509.02%
Jul 2026
136.88%
0.83%
1,509.89%
Aug 2026
143.07%
1%
1,564%
Current Average143.07%↑ 6.19pp
Lowest Available1%
Highest Available1,564%
Providers Tracked46
Financer's Choice
Top Rated
PersonalLoans.com
APR ranges 5.99%-35.89% with potential origination fees from lenders. As a marketplace, rates vary widely by credit score and chosen lender - competitive for bad credit borrowers.
Phone and email support Monday-Friday, 6am-7pm PST. Quick response times (few hours) but limited availability and marketplace model restricts loan-specific help.
Loan amounts from $250 to $35,000 with repayment terms from 61 days to 96 months. Transparent about marketplace model and lender requirements. Straightforward documentation process.
Users appreciate loan matching for bad credit access. Major complaints include aggressive post-application marketing and multiple credit inquiries from referral model.
Get exclusive conditions from the best financial companies
Best Loans Like OppLoans for 2026
OppLoans is a legitimate online lender that specializes in providing installment personal loans to borrowers with less-than-perfect credit. While OppLoans offers a valuable service, many other lenders provide similar fast cash loans with competitive terms. Even borrowers with poor credit scores can choose from multiple alternatives that may better suit their specific financial needs.
We'll dive into the details of these top personal loans like OppLoans, compare their features, and help you find the best option for your situation. Each lender offers unique advantages, from innovative underwriting methods to flexible qualification requirements, making them strong choices for bad credit borrowers.
What Is OppLoans?
OppLoans is an online installment loan lender that has funded over 2 million personal loans since 2011. The company focuses on serving borrowers who may not qualify for traditional bank loans due to poor or limited credit history. Unlike payday lenders, OppLoans offers structured installment loans with fixed monthly payments and longer repayment terms.
OppLoans Key Features
Loan amounts from $500 to $5,000 (varies by state).
APR range of 99% to 195% (varies by state).
Same-day funding available if approved before 12:00 PM CT.
No origination fees, hidden fees, or prepayment penalties.
Soft credit check only (no impact on your FICO score).
Reports to all three major credit bureaus.
4.4 out of 5 stars with over 5,000 Trustpilot reviews.
Why Borrowers Choose OppLoans
OppLoans has gained popularity among borrowers with poor credit because of several key advantages that set it apart from traditional lenders and predatory payday loan companies.
Easy online application process that takes just minutes to complete.
Quick approval decisions, often provided within minutes of application.
Willingness to work with borrowers who have poor or limited credit history.
Competitive interest rates compared to payday loan companies and other short-term lenders.
Excellent customer service reputation.
This process went really smooth and efficient. I had an answer immediately after going through the questions. Very easy process. Thank you OppLoans
When searching for loans like OppLoans, it's important to compare multiple factors beyond just interest rates. The right lender for you depends on your specific credit situation, funding timeline, and loan amount needs.
Key Comparison Factors
Loan amounts and repayment terms available.
Interest rates, APRs, and origination fees.
Minimum credit score and income requirements.
Funding speed and application process.
Customer service reputation and online reviews.
State availability and regulatory compliance.
The 7 Best Alternatives to OppLoans
Based on our comprehensive analysis, these seven lenders offer the best loans like OppLoans for bad credit borrowers. Each provides unique advantages while maintaining competitive rates and reliable service.
Lending For Bad Credit
Lending For Bad Credit specializes in connecting borrowers with poor credit to appropriate lenders. This marketplace approach allows you to receive multiple loan offers from different lenders, increasing your chances of approval and helping you find competitive rates despite credit challenges. The platform works with lenders who specifically focus on subprime borrowers, making it an excellent OppLoans alternative for those with credit scores below 600.
Key Features
Loan amounts typically range from $500 to $35,000.
APRs generally between 5.99% and 35.99%.
No minimum credit score requirement.
Fast online application with quick decisions.
Multiple lender network increases approval odds.
5KFunds
5KFunds operates as a lending marketplace that connects borrowers with multiple lenders, making it easier to find competitive loan offers. The platform is particularly useful for borrowers who want to compare multiple options without filling out separate applications. 5KFunds works with lenders who offer various loan products, from small personal loans to larger debt consolidation loans.
Key Features
Single application connects you to multiple lenders.
Loan amounts from $1,000 to $35,000.
Flexible credit requirements.
Quick online process with fast funding.
No upfront fees to use the service.
LoansUnder36
LoansUnder36 focuses on providing personal loans with APRs under 36%, making it an attractive option for borrowers who want to avoid the higher rates typically associated with subprime lending. While their credit requirements may be slightly stricter than OppLoans, borrowers who qualify can access significantly lower interest rates, potentially saving thousands in interest costs.
Key Features
APRs capped at 36% maximum.
Loan amounts up to $40,000.
Longer repayment terms available.
Focus on responsible lending practices.
Potential for lower monthly payments.
PersonalLoans.com
PersonalLoans.com is a lending marketplace that connects borrowers with a network of lenders offering personal loans for various purposes, including debt consolidation, home improvement, and emergency expenses. The platform offers a valuable pre-qualification tool that allows borrowers to check their eligibility and estimated interest rates without impacting their credit scores.
Key Features
Loan amounts from $1,000 to $35,000.
APRs typically range from 5.99% to 35.99%.
Pre-qualification with soft credit check.
Multiple lender network for better approval odds.
Fast online application and funding process.
BadCreditLoans.com
BadCreditLoans.com is specifically designed for borrowers with poor credit histories who may have difficulty qualifying for traditional personal loans. The platform's lender network includes lenders who offer loans to borrowers with credit scores as low as 500, making it one of the most accessible alternatives to OppLoans.
Key Features
Accepts borrowers with credit scores as low as 500.
Loan amounts from $500 to $10,000.
Repayment terms from 3 to 60 months.
APRs typically range from 5.99% to 35.99%.
Simple online application process.
CashUSA
CashUSA operates as a lending marketplace that connects borrowers with multiple lenders rather than providing loans directly. By completing a single online application, borrowers can receive loan offers from multiple lenders, allowing them to compare rates and terms easily. CashUSA is known for its reliable customer service and transparent process.
Key Features
Single application, multiple loan offers.
Loan amounts from $500 to $10,000.
Repayment terms from 90 days to 72 months.
Works with borrowers of all credit types.
Excellent customer service reputation.
Upstart
Upstart stands out as a unique lending platform that uses artificial intelligence and machine learning to evaluate borrowers' creditworthiness. Unlike traditional lenders that rely heavily on credit scores, Upstart considers factors such as education, employment history, and other alternative data points. This innovative approach allows Upstart to approve borrowers who might be rejected by traditional lenders.
Key Features
APRs from 6.4% to 35.99%.
Loan amounts from $1,000 to $50,000.
Minimum credit score of 300 accepted.
Repayment terms from 3 to 5 years.
AI-powered underwriting considers education and employment.
Next-day funding available.
Understanding Origination Fees
Many OppLoans alternatives charge origination fees, which are deducted from your loan proceeds before you receive the money. For example, if you're approved for a $10,000 loan with a 5% origination fee, you'll receive $9,500 but still owe the full $10,000 plus interest. OppLoans doesn't charge origination fees, which can be a significant advantage.
Alternatives to High-Interest Loans
Before committing to any high-interest loan, consider these alternatives that might provide relief without the high costs associated with subprime lending:
Lower-Cost Alternatives
Balance transfer credit cards - 0% intro APR for 12-21 months, typically 3-5% transfer fee.
Direct creditor negotiation - Many creditors will accept payment plans or reduced settlements.
Credit union loans - Often offer lower rates and more flexible terms for members.
Cash advance apps - Apps like Earnin and Dave offer small advances with no interest charges.
Choosing the Right Lender For You
Finding the right alternative to OppLoans depends on your credit profile and funding needs. Whether you choose Upstart's AI-powered underwriting, lending marketplaces like 5KFunds and PersonalLoans.com for multiple offers, or LoansUnder36 for lower rates, each option offers unique advantages for borrowers with poor credit.
Before committing to any high-interest loan, compare total costs including fees, ensure monthly payments fit your budget, and explore lower-cost alternatives like credit union loans or nonprofit credit counseling. By researching your options and borrowing responsibly, you can address your immediate financial needs while protecting your long-term financial health.
Frequently Asked Questions About Loans Like OppLoans
Are FinWise and OppLoans the same?
No, FinWise Bank and OppLoans are not the same company. FinWise Bank is a Utah-chartered bank that serves as OppLoans' lending partner. OppLoans (operated by OppFi) handles the marketing, application process, and servicing, while FinWise Bank actually originates the loans. This bank partnership model allows OppLoans to offer loans in states where it might not otherwise be licensed.
What apps are like OppLoans?
Several online lending platforms work similarly to OppLoans. Upstart uses AI-powered underwriting and offers APRs starting at 6.4%. Lending marketplaces like 5KFunds, PersonalLoans.com, and CashUSA connect you to multiple lenders through a single application. For borrowers with very poor credit, BadCreditLoans.com accepts scores as low as 500. Cash advance apps like Earnin and Dave also provide small, short-term advances without interest charges.
Where can I borrow $500 instantly?
OppLoans offers loan amounts starting at $500 with same-day funding if you're approved before 12:00 PM CT. Several alternatives also offer fast $500 loans: CashUSA connects you with lenders offering $500 to $10,000 with quick funding, and BadCreditLoans.com starts at $500 with a simple online process. Lending For Bad Credit and 5KFunds also connect borrowers with lenders who fund quickly. Cash advance apps may offer smaller amounts faster, but typically cap advances below $500.
Can I get a loan like OppLoans with no credit check?
OppLoans itself only performs a soft credit check that doesn't affect your FICO score, and it doesn't base decisions solely on credit scores. Most OppLoans alternatives listed in this guide also use soft credit pulls for initial eligibility checks. Lending For Bad Credit and BadCreditLoans.com have no minimum credit score requirement. Keep in mind that while the initial check may be soft, the actual lender who funds your loan may perform a hard credit inquiry before finalizing the loan.
