HonestLoans connects borrowers with lenders with loans between $400 and $50,000. But because of its minimum income requirement — and partnership with tribal lenders — these are other options that may better meet your needs.
OppLoans Installment Loans
4.4 / 5 ★★★★★
Opploans is a direct lender — not a connection service. It has some of the lowest rates on the market for a short-term lender, and you'll be able to borrow up to $5,000. But like HonestLoans, you'll need to meet a monthly income requirement and other criteria to qualify.
Pros
- APR capped at 160%
- Reports to credit bureaus
- Backed by a bank
Cons
- Max loan amount is $4,000 in most states
- Late payments could hurt credit score
| Loan amount | $500 - $5,000 |
|---|---|
| Interest rate type | Fixed |
| Loan Term | 9 to 24 months |
| Turnaround time | 1 business day |
| Loan amount | $500 - $5,000 |
|---|---|
| Turnaround time | 1 business day |
| Online application | Yes |
Blue Trust Loans Installment Loans
Like HonestLoans, Blue Trust Loans is a tribal lender. However, it offers direct loans to its borrowers rather than connecting them to other services. You should expect to pay high interest rates — and only repeat borrowers have access to loans over $1,200.
Pros
- Borrow as little as $100
- Direct tribal lender
Cons
- APR can be 500% or more
- First-time borrowers limited to $1,200
| Loan amount | $100 - $3,000 |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Up to 9 months |
| Turnaround time | As soon as next business day |
| Loan amount | $100 - $3,000 |
|---|---|
| Turnaround time | As soon as next business day |
InboxLoan installment loans
InboxLoan is another tribal lender that you can use for installment loans. It allows you to borrow as little as $200 and is available in most states. You're capped at $1,500 as a first-time borrower, however, and you'll need to be at least 21 to qualify.
Pros
- Loans up to $1,500 for first-time borrowers
- Direct tribal lender
Cons
- Must be 21+
- Requires automatic debit
- Not upfront about costs
| Loan amount | $200 - $1,500 |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Varies |
| Loan amount | $200 - $1,500 |
|---|
CashUSA Installment Loans
CashUSA is a connection service like HonestLoans. But instead of working with high-cost tribal lenders, its network of providers offer loans with interest rates capped at 35.99%. Your information may still be used for marketing, but it's a good first step if you want to avoid high rates.
Pros
- Loan terms up to 72 months
- Personal loans available
- APR capped at 35.99%
Cons
- Connection with a lender not guaranteed
- Monthly income of $1,000+ required
| Loan amount | $500 - $10,000 |
|---|---|
| Interest rate type | Fixed |
| Loan Term | 90 days to 72 months |
| Turnaround time | As fast as same business day |
| Loan amount | $500 - $10,000 |
|---|---|
| Turnaround time | As fast as same business day |
Speedy Cash Short-term Loans
4.45 / 5 ★★★★★
SpeedyCash is a top direct lender that offers a variety of loans, including installment loans. While its interest rates are high, it's still less expensive than most tribal loans. And if you qualify, you could get your loan the same day you apply.
Pros
- Same-day funding available
- Storefront locations
- Borrow as little as $50
Cons
- Large amount of BBB complaints
- APR of 200%+
| Loan amount | $50 - $26,000 |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Varies |
| Turnaround time | 1 day |
| Loan amount | $50 - $26,000 |
|---|---|
| Turnaround time | 1 day |
Check Into Cash Payday Loan
4.5 / 5 ★★★★★
Check Into Cash doesn't offer installment loans and has interest rates of 300% or more. But if you only need a small loan, want same-day funding and don't want a long loan term, it can be a good alternative to the other providers on this list.
Pros
- Same-day funding available
- Storefront locations
- Borrow as little as $50
Cons
- No installment loans
- Must be 21+
- APR of 300%+
| Loan amount | Varies by state |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Varies by state |
| Turnaround time | 1 to 2 business days |
| Loan amount | Varies by state |
|---|---|
| Turnaround time | 1 to 2 business days |
| Online application | Yes |
Compare more installment loan lenders
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