5 Uprova Alternatives if You Need an Online Loan

US-based Uprova is a tribal lending entity owned and operated by the Habematolel Pomo of Upper Lake, California. It offers fast turnaround loans of $300 to $5,000 to bad credit borrowers. It states online that APRs fall between 34.5% and 35.99% and repayment terms range from 9 to 36 months.

However, Uprova customers have complained about paying interest charges 3x higher than their original loan amount—and regret getting a loan with the company.

You can’t get a loan from Uprova in Canada, but there are legit ways to access cash with bad credit if you live north of the border. Our Canadian alternatives to Uprova include cash advance apps with 0% interest and other bad credit loan lenders.

Our picks for Uprova alternatives

• If you want a loan search platform: Loans Canada
• If you want a short-term installment loan: Green Loans
• If you want quick funding: Spring Financial
• If you want easy eligibility: KOHO Cover
• If you want low-cost funding and credit building: Nyble

Finder Score	APR Range	Loan Amount	Loan Term
If you want a loan search platform: Loans Canada
8.6 Great Loans Canada Personal Loan	8.6 Great	9.99% - 35.00%	$500 - $50,000	6 - 60 months	Go to siteView details Compare product selection Compare	loading	Why we like it Like Uprova, you can get a loan online through Loans Canada. However, Loans Canada is a loan search platform, not a direct lender. Worried about getting stuck with a predatory loan? You can compare your options for free with Loans Canada. Submit a single application, and get matched with suitable lenders from its extensive partner network. Options are available for bad credit. Pros & cons Pros Loans for good and bad credit Compare multiple lenders APRs starting at 9.99% Get funded in one to three business days Cons High rates for bad credit Not a direct lender Limited to Loans Canada's partner network
If you're looking for quick funding: Spring Financial
8.5 Great Spring Financial Personal Loan	8.5 Great	9.99% - 35%	$500 - $35,000	6 - 84 months	Go to siteView details Compare product selection Compare	loading	Why we like it Spring Financial is an online lender that prioritizes fast funding via e-Transfer or direct deposit. You can get your funds as soon as the same day, and bad credit applications are welcome. Pros & cons Pros High-risk applications are okay Flexible loan amounts from $500 to $35,000 No early repayment fees Cons Interest rates of up to 35% for bad credit You may be offered a credit builder loan (The Foundation loan) instead of a personal loan

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Finder Score	Costs	Loan Amount	Loan Term
If you're looking for easy eligibility: KOHO Cover
8.8 Great KOHO Cover	8.8 Great	0% + monthly fee from $2	$20 - $500	Flexible	$75 REWARD Go to siteView details Compare product selection Compare	loading	Why we like it Need help covering an unexpected expense? KOHO Cover offers fast access to an interest-free cash advance of up to $500, though a membership fee starting at $2 applies. It doesn't require you to go through a credit check or have a job or income. Pros & cons Pros No credit check No interest Instant access to funds No income required to qualify Cons Monthly subscription fee starting at $2 May have to pay a monthly KOHO plan fee $500 may not be enough Won't improve your credit score
If you're looking for low-cost funding and credit building: Nyble
9.3 Excellent Nyble Credit Line	9.3 Excellent	0%	$30 - $250	31 days, extendable	Use code CFIND1J to get 500 extra points and a $5 higher approval. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it Borrow up to $250 with an interest-free line of credit from Nyble. Have low or no credit? Repaying your Nyble loan will help improve your credit score, and you can access your Equifax credit score and report through your account. There are no late fees, and funds are available instantly if you sign up for a premium membership. If you can wait up to three days, your loan is free. Pros & cons Pros Get funds within 30 minutes Build your credit history No interest or late fees Easy application process Rewards program Option to extend your payment deadline Cons May take up to 3 business days to get funds if you're not a member Monthly membership fee Amount may not be enough

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How does Uprova compare?

Compared to other bad credit lenders, Uprova comes with risks you need to be aware of. The lender can charge sky-high interest rates exceeding 700% APR.

Furthermore, Uprova is a tribal lender, which means borrowers don’t have the same legal protections or recourses as they would with other US lenders. Many Uprova borrowers in the US state that interest payments on their loans far exceed the original loan amount.

If you need a bad credit loan, there are other bad credit lenders on the Canadian market. In addition to 0% interest cash advance apps, lenders like Spring Financial and Loans Canada cater to bad credit borrowers and cap rates well below Uprova’s highest rates, helping you avoid getting stuck in a cycle of high-interest debt.

Avoid payday loans

We didn’t include payday loans as alternatives to Uprova, as these can charge excessive interest rates.

Consider the following:

• Example: In Ontario, lenders charge up to $14 for every $100 you borrow. So, if you take out a $500 loan, it'll cost $570 to repay. And if the loan has a term of 14 days, that equals an APR of 365%.
• The average APR on a 14-day payday loan in Canada can reach over 300%.
• While payday loans are designed for one-time emergencies, many borrowers use the money for recurring costs like utilities and bills.

For short-term borrowing, cash advance apps like the ones on our list are almost always cheaper than a payday loan, as there are no finance fees or interest charges on what you borrow.

Alternatives to cash advance apps

If you prefer not to use a cash advance app, consider these other methods for accessing quick cash instead:

• Personal loan. If you need more than a few hundred dollars, compare personal loan providers to find loans between $500 and $50,000. Same-day loans may even be available.
• Auto title loan. If you own a fully paid-off car, you could use it as collateral to secure a loan. Auto title loan providers don’t require top-tier credit, so it’s easier to qualify for funding than an unsecured loan. But you could lose your car if you fail to make repayments.
• Credit card cash advance. Credit card cash advances are a convenient way to access quick cash, but it’s best to limit them as fees can run high. Compare the best credit cards.
• Buy Now Pay Later (BNPL) app. While not a source of cash, BNPL apps let you buy items you need today and pay off the bill later. Popular BNPL apps in Canada include Affirm, Afterpay, Klarna and Sezzle.

Explore our payday loan alternatives guide for more short-term borrowing options to cover emergency expenses or tide you over until the next payday.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Stacie Hurst

Editor

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Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family. See full bio

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