CreditCube Loans Review: High Cost, Choose an Alternative

Is CreditCube legit?

Yes, CreditCube offers legitimate loans, but the company’s reputation is in question due to a pending class action lawsuit in Illinois. The lawsuit accuses CreditCube of using a “tribe-for-hire” scheme to skirt state usury laws that would limit its exorbitant APRs.

If you choose to borrow from CreditCube, you have three days after signing your contract to change your mind and cancel the agreement. Your application is also protected by industry-standard protocols. However, CreditCube shares your information with both affiliates and non-affiliates for marketing purposes, so you may receive unwanted offers from third-party companies.

Where CreditCube falls short

The biggest downside to borrowing from CreditCube is the astronomically high interest rates the company charges. For first-time customers, the maximum APR is set at 779.97%. At that rate, a $300 loan with 16 payments made every two weeks will cost you a total of $1,461.97 — you’ll pay a whopping $1,161.97 in interest in less than a year!

CreditCube also charges fees for late payments and insufficient funds, which could further jack up the cost of borrowing. Plus, loan limits can be restrictive. As a first-time customer, you can only borrow up to $500.

Its reputation is also questionable, with a class action lawsuit pending in Illinois for deceptive lending practices. Even if you have bad credit, you likely have better options with lenders that accept less-than-stellar credit like CreditCube.

CreditCube alternatives

6 of 6 results

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Finder Score	Loan amount	Turnaround time	Requirements
Promoted 9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	At least 18 and a US resident, Valid Social Security number, At least 60 days of banking history, Proof of consistent income, Positive bank balance, Get paid by direct deposit.	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Important information 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.	Go to siteView details Compare product selection Compare	loading
Promoted 8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	Not stated	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to siteView details Compare product selection Compare	loading
Promoted 9.4 Excellent Chime® MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	Chime checking account, direct deposits of $200+ and only available in some states	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions. MyPay is only offered in select states.	Important information MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: You must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). MyPay is currently only available to eligible Chime members in certain states. Other restrictions apply. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $1000 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. Your MyPay Credit Limit and Maximum Available Advance may change at any time. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 02/26/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Credit Builder: Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.	Go to siteView details Compare product selection Compare	loading
9.4 Excellent Varo Cash Advance	9.4 Excellent	Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.	Instant, once qualified	You must have an active Varo Bank Account with a positive balance, no delinquent Varo Line of Credit or charged off Believe account in prior 6 months. Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity.	Important information Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.	Go to siteView details Compare product selection Compare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	+18 years old, Receive paychecks through direct deposit, $1,500 minimum monthly income, Live in eligible state	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Important information The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.	Go to siteView details Compare product selection Compare	loading
8.8 Great Albert Instant	8.8 Great	$25 to $1,000	Within minutes	An active bank account with transaction history linked to Albert	Advance up to $1,000 in minutes with Albert Instant.	Important information Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.	Go to siteView details Compare product selection Compare	loading

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What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full breakdown

What makes CreditCube shine?

CreditCube’s application process seems to be fast and simple. You just create an account, complete an online application and verify your bank account, and you can be approved within minutes — without damaging your FICO score. Once your application is approved, funds could arrive in as little as one business day. Still, there are other less risky ways to borrow money fast.

CreditCube is also known for approving borrowers with less-than-stellar credit. If you’ve tried other lenders without success and need an emergency loan quickly, this option may work for you. Plus, CreditCube doesn’t charge any prepayment penalties, so you can cut back on total interest by paying your loan off early. But borrowers should still be wary, as this company sees bad ratings, has a pending lawsuit and charges extremely high interest rates.

CreditCube loan details

CreditCube contact information

How to qualify for CreditCube

To qualify for a loan with CreditCube, you need to meet the following basic criteria:

• Be at least 18 years of age or older
• Live in a state where CreditCube does business
• Have an active checking account
• Have a consistent source of income
• Have a verifiable phone number and email address

There is no minimum credit score required for CreditCube loans. The company states that it works with borrowers of all credit types.

How to apply

Applying for a CreditCube loan can be done completely online in just a few minutes. Here’s what you need to do:

1. Create an account. Go to the CreditCube website, select the “Apply for a loan NOW!” button, then create an account by entering your name, email address and a password for the site.
2. Fill out the application. Complete the application by providing your address, Social Security number, phone number, driver’s license number, date of birth, income, banking details, plus information about the loan you’re applying for.
3. Review offers and sign the contract. CreditCube verifies your information, then presents you with a loan offer. Look over all the loan details and repayment schedule, then e-sign the contract online.
4. Receive your funds. Once your loan has been approved, you can expect to receive funds within one business day.

CreditCube reviews and complaints

Reviews on Trustpilot and the BBB now paint two different pictures. On Trustpilot, sentiment has turned strongly positive, with the vast majority of reviewers giving the company a 5- or 4-star rating. On the BBB, the picture is more mixed — the company’s letter grade has climbed to a B, but its customer reviews there are still on the low side, with more complaints than compliments.

Happy customers comment on how easy it is to apply for a CreditCube loan and how fast they receive funds, which is especially helpful in an emergency. Several mention being approved after other lenders turned them down, and say the loyalty program has made repeat loans progressively more affordable, with lower rates and higher limits over time.

Unhappy customers complain about the high APRs, with some comparing the cost of borrowing to predatory lending. Others warn that CreditCube should only be used as a last resort. A handful describe disputes over how much they ended up owing, and a few say they were denied a loan altogether.

Frequently asked questions

Is CreditCube a tribal lender?

Yes. According to the company’s website, CreditCube is wholly owned and operated by the Big Valley Band of Pomo Indians.

What kind of bank account do I need to get a CreditCube loan?

You can use any valid checking account that allows ACH debits and credits; prepaid accounts and savings accounts are not currently accepted.

Are military customers eligible for CreditCube loans?

No. Active duty military service members and their dependents are not eligible for CreditCube loans because of the Military Lending Act, which offers protections against predatory lending.

Is there a lawsuit against CreditCube?

Yes, CreditCube is facing a class-action lawsuit in Illinois. The lawsuit claims that CreditCube is not actually run by a Native American tribe but is using it as a way to bypass state usury laws and charge predatory interest rates.