Loans like Oportun

Chime doesn't offer loans, but if your main concern is having to pay overdraft fees each month, this online bank may have a solution for you. Chime's SpotMe is a no-fee overdraft protection service that provides up to $200 to cover overdrafts to your Chime Checking account. To qualify, you need to make a monthly direct deposit of $200 or more into your Chime checking account and activate your Chime debit card.

SpotMe only covers overdrafts caused by ATM or debit card transactions and starts with just $20 of protection. You can raise this limit with regular deposits and a solid account history, by qualifying for promotional bonuses offered by Chime or by using SpotMe Boost, a program that allows existing members to boost each other's SpotMe protection.

• Available in all states

Albert is a banking and cash advance app that offers advances up to $250 per pay period. This can come in handy if you need a little cash to tide you over until payday. Albert can also analyze your spending habits to find extra dollars to save for a rainy day, while letting you view all your financial accounts from one place.

To get advances, you must sign up for a free 30-day trial of Albert's Genius feature, which costs between $8 and $16 a month. With Genius, you can ask questions and get answers to your financial questions, including student loans, credit cards and budgeting. While it costs money to use, it could help you save in the long run.

• Available in all states

Like Oportun, OppLoans doesn't check your credit when you apply, but its APRs are higher – ranging from 59% to 160%, depending on your state. While high, it's still lower than what installment or payday lenders charge, and you could get your funds as soon as the same business day after approval.

Like Oportun, OppLoans reports your repayments to all three major credit bureaus, which can help improve your credit score. However, its repayment terms of 9 to 18 months are shorter than Oportun's, which could lead to higher monthly payments – but you could get out of debt faster and repayments coincide with your paycheck.

• Not available in: Colorado, Connecticut, Hawaii, Illinois, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, Pennsylvania, South Dakota, Vermont, West Virginia

While not a lender like Oportun, MoneyLion is a banking and cash advance app that offers free, no-interest cash advances up to $500 per pay period. This can be helpful if you need to borrow money between paychecks, but you don't want to take out a loan or pay interest on what you borrow.

But you'll need to build up a direct deposit history with MoneyLion before you can access its maximum advance amounts. However, you can potentially increase the amount of your advances up to $1,000 per pay period by opening a RoarMoney banking account – much higher than most cash advance apps.

• Available in: Alabama, Arizona, California, Delaware, Florida, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Mississippi, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming

NetCredit is a bad credit lender with loans reaching up to $10,000. Rates vary by state but appear to range between 34% to 155% APR, which is higher than Oportun, but still lower than most installment and payday lenders. Its repayment terms are from 6 to 60 months, which is longer than OppLoans.

NetCredit doesn't charge prepayment penalties, so you can pay your loan early to save on interest. Like Oportun, it reports on time repayments to the credit bureaus, which can help your credit score. And you can get your money fast too – with approved loans funded as soon as next business day.

• Not available in: Colorado, Connecticut, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New York, North Carolina, Pennsylvania, Vermont, Virginia, West Virginia