7 Loans Like Kashable: Allotment Loans & Alternatives for 2026

If you've got good credit, SoFi could be a good option. It offers personal loans from $5,000 to $100,000 with rates from 6.99% APR, and no fees for things like late payments or prepaying your loan. You might even get your money the same day you're approved. SoFi is best if your credit score is in the mid-600s or higher and you're looking for a lender with more competitive rates, a clean user experience and no surprise costs.

• Available in all states

• Why we like it

  If you've got good credit, SoFi could be a good option. It offers personal loans from $5,000 to $100,000 with rates from 6.99% APR, and no fees for things like late payments or prepaying your loan. You might even get your money the same day you're approved. SoFi is best if your credit score is in the mid-600s or higher and you're looking for a lender with more competitive rates, a clean user experience and no surprise costs.

• Pros and cons

  Pros

  • No fees
  • Prequalify with a soft credit check
  • Same-day funding

  Cons

  • High minimum loan
  • Good credit required
  • Not for short-term needs

• More details

  Loan amount	$5,000 to $100,000
  APR	6.99% to 35.49% with autopay and member discounts (0.25% each)
  Interest Rate Type	Fixed
  Min. credit score	680
  Turnaround Time	Same day (if approved and signed by 5:30 p.m. ET)
  Loan Term	2 to 7 years

• Partner terms and conditions

  Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Information current as of 07/20/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
  
  Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount.
  
  SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 07/20/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors.
  
  Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan
  proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.
  
  Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
  
  Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet.
  
  Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
  
  Direct deposit. To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

Self-employed or gig workers don't have access to allotment loans like Kashable, and they may also have a hard time getting personal loans without a predictable income stream. Cleo solves that problem by offering interest-free cash advances up to $250. There are no credit checks or interest charges, and while most other cash apps have a direct deposit requirement, Cleo does not. Instant transfer fees are $3.99, and you'll need a $5.99 monthly subscription, but if you ever have trouble making ends meet between paychecks, Cleo might be a good solution.

• Available in all states

• Why we like it

  Self-employed or gig workers don't have access to allotment loans like Kashable, and they may also have a hard time getting personal loans without a predictable income stream. Cleo solves that problem by offering interest-free cash advances up to $250. There are no credit checks or interest charges, and while most other cash apps have a direct deposit requirement, Cleo does not. Instant transfer fees are $3.99, and you'll need a $5.99 monthly subscription, but if you ever have trouble making ends meet between paychecks, Cleo might be a good solution.

• Pros and cons

  Pros

  • Fast cash advances up to $250
  • No direct deposit requirement
  • Includes budgeting and savings tools

  Cons

  • Small loan amounts
  • Short loan terms
  • Requires a monthly subscription fee

• More details

  Loan amount	$20 to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

EarnIn stands out among other cash advance apps because it doesn't charge any interest or a monthly fee. Plus, it offers higher advances than most apps, with up to $1,000 between pay periods, which is more than the minimum Kashable loan of $500 that does charge interest. On the other hand, you can only request $150 a day, and you'll need to verify the hours you've worked.

• Not available in: Connecticut, District of Columbia

• Why we like it

  EarnIn stands out among other cash advance apps because it doesn't charge any interest or a monthly fee. Plus, it offers higher advances than most apps, with up to $1,000 between pay periods, which is more than the minimum Kashable loan of $500 that does charge interest. On the other hand, you can only request $150 a day, and you'll need to verify the hours you've worked.

• Pros and cons

  Pros

  • Advances up to $750
  • No monthly subscription fees
  • No interest or mandatory tipping

  Cons

  • Can only get $150 a day
  • Short loan term
  • Must verify hours worked

• More details

  Loan amount	Up to $150/day, with a max of $1000 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1-2 business days standard, in minutes with a small fee

• Partner terms and conditions

  EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.

If you need to borrow more than Kashable allows and have good to excellent credit, consider personal loans by Lightstream, which range from $5,000 to $100,000. Lightstream also has lower maximum interest rates than Kashable, starting at 7.49% (slightly higher than Kashable) but capped at 25.99%. It also offers a 0.50% discount on rates if you set up autopay, but you must sign up before funding.

• Not available in: Iowa, West Virginia

• Why we like it

  If you need to borrow more than Kashable allows and have good to excellent credit, consider personal loans by Lightstream, which range from $5,000 to $100,000. Lightstream also has lower maximum interest rates than Kashable, starting at 7.49% (slightly higher than Kashable) but capped at 25.99%. It also offers a 0.50% discount on rates if you set up autopay, but you must sign up before funding.

• Pros and cons

  Pros

  • Lower maximum interest rates than Kashable
  • Larger loan amounts
  • Rate discounts for autopay

  Cons

  • Must have good to excellent credit
  • Smallest loan amount is $5,000
  • Must sign up for autopay before funding to get discount

• More details

  Loan amount	$5,000 to $100,000
  APR	Varies by loan purpose
  Interest Rate Type	Fixed
  Min. credit score	Good to excellent credit
  Turnaround Time	As soon as same day
  Loan Term	Up to 20 years for home improvement; 2–7 years for most other purposes

• Partner terms and conditions

  Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
  
  Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
  
  Maximum APR for a LightStream loan is 25.79%. Loan terms range from 24 - 240 months depending on the loan type.

If you don't have access to allotment loans like Kashable, and your credit isn't the greatest, consider Upstart. It accepts borrowers with poor credit scores and doesn't charge an arm and a leg in fees like payday loans. Upstart interest rates are pretty close to Kashable loans, with a range between 6.3% and 35.99%. And Upstart has larger loan amounts, from $1,000 to $75,000, but you may have to pay an origination fee of up to 12%.

• Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

• Why we like it

  If you don't have access to allotment loans like Kashable, and your credit isn't the greatest, consider Upstart. It accepts borrowers with poor credit scores and doesn't charge an arm and a leg in fees like payday loans. Upstart interest rates are pretty close to Kashable loans, with a range between 6.3% and 35.99%. And Upstart has larger loan amounts, from $1,000 to $75,000, but you may have to pay an origination fee of up to 12%.

• Pros and cons

  Pros

  • Higher loan amounts than Kashable
  • Comparable interest rates
  • Accepts bad credit borrowers

  Cons

  • May charge origination fees up to 12%
  • Loan terms are only 3 or 5 years
  • In some states, minimum loan amounts are up to $7,000

• More details

  Loan amount	$1,000 to $75,000
  APR	6.30%–35.99% (includes any origination fee)
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the next business day
  Loan Term	3 or 5 years

Access Loans is another company that provides allotment loans like Kashable to employees. But unlike Kashable, it doesn't conduct credit checks, so there's no hit on your credit score just for applying. Maximum loan amounts are a lot smaller than Kashable, topping out at $6,000, but it also caps rates at 35.99%. Access Loan also allows borrowers to repay the loan through payroll or direct debit from their account.

• Available in all states

• Why we like it

  Access Loans is another company that provides allotment loans like Kashable to employees. But unlike Kashable, it doesn't conduct credit checks, so there's no hit on your credit score just for applying. Maximum loan amounts are a lot smaller than Kashable, topping out at $6,000, but it also caps rates at 35.99%. Access Loan also allows borrowers to repay the loan through payroll or direct debit from their account.

• Pros and cons

  Pros

  • No credit check required
  • Max interest rate caps at $6,000
  • Option to repay via direct debit

  Cons

  • Smaller maximum loan amount than Kashable
  • May report late payments to credit bureaus
  • Minimum interest rate higher than Kashable

• More details

  Loan amount	$850 to $6,000
  APR	Up to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	None
  Turnaround Time	As soon as same day
  Loan Term	8 to 36 months

If your employer doesn't have a relationship with Kashable, maybe it works with BMG Money instead — another lender that offers allotment loans to federal and private employees. It also offers loan amounts from $500 to $12,000 for private workers or $10,000 for federal employees. BMG Money doesn't have as competitive interest rates as Kashable, with rates starting at 19.99%. However, it offers longer repayment, with terms of up to four years for private employees or three years for federal employees.

• Not available in: Connecticut, Indiana, Iowa, Maine, Massachusetts, Nebraska, New Jersey, New Mexico, New York, Vermont, Washington, West Virginia, Wisconsin

• Why we like it

  If your employer doesn't have a relationship with Kashable, maybe it works with BMG Money instead — another lender that offers allotment loans to federal and private employees. It also offers loan amounts from $500 to $12,000 for private workers or $10,000 for federal employees. BMG Money doesn't have as competitive interest rates as Kashable, with rates starting at 19.99%. However, it offers longer repayment, with terms of up to four years for private employees or three years for federal employees.

• Pros and cons

  Pros

  • Longer loan terms than Kashable
  • No minimum credit score requirement
  • Loans as soon as the same business day

  Cons

  • Must work for a company that partners with BMG Money
  • Higher minimum interest rate than Kashable
  • Other lending options may be cheaper

• More details

  Loan amount	$500 to $12,000
  APR	19.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	No minimum credit score required
  Turnaround Time	Instant funding available with linked debit card; Otherwise 1–2 business days after approval
  Loan Term	6 to 60 months