Loans Like Advance Financial 24/7 (AF247) to Borrow Fast Cash

If you're looking for a small, inexpensive loan, Chime's cash advance feature — MyPay — offers loans up to $500. There's no interest, late fees or credit checks, and the only cost is a flat $2 fee for instant transfers. Otherwise, the money will land in your bank account within 24 hours.

You need to have a Chime checking account to qualify, but that's free. You also need to get paid by direct deposit, and MyPay isn't available in all markets yet.

• Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wisconsin, Wyoming

• Why we like it

  If you're looking for a small, inexpensive loan, Chime's cash advance feature — MyPay — offers loans up to $500. There's no interest, late fees or credit checks, and the only cost is a flat $2 fee for instant transfers. Otherwise, the money will land in your bank account within 24 hours.

  You need to have a Chime checking account to qualify, but that's free. You also need to get paid by direct deposit, and MyPay isn't available in all markets yet.

• Pros and cons

  Pros

  • No interest, late fees or monthly fee
  • No credit checks
  • Only $2 for expedited transfers

  Cons

  • Need a Chime checking account
  • Must get paid by direct deposit
  • Not available in all states

• More details

  Loan amount	Up to $500
  Loan Term	Until next deposit
  Turnaround time	Within 24 hours or $2 for instant transfers

• Partner terms and conditions

  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: To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay 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”). Your MyPay Credit Limit and Available Advance Amount may change at any time. 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 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for $2 per advance or get funds for free within 2 days. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

Unlike Advance Financial, OppLoans only requires a soft credit check, so it won't hurt your credit score whether your loan is approved or not. Plus, it has slightly lower rates, and loan amounts are a touch higher. And it reports to all three major credit bureaus, so it can help improve your credit scores.

But rates are still pretty high compared to some options, starting at 160%. You'll also need a bank account that's at least 90 days old, and you must get paid by direct deposit.

• Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, West Virginia

• Why we like it

  Unlike Advance Financial, OppLoans only requires a soft credit check, so it won't hurt your credit score whether your loan is approved or not. Plus, it has slightly lower rates, and loan amounts are a touch higher. And it reports to all three major credit bureaus, so it can help improve your credit scores.

  But rates are still pretty high compared to some options, starting at 160%. You'll also need a bank account that's at least 90 days old, and you must get paid by direct deposit.

• Pros and cons

  Pros

  • No hard credit check
  • Lower rates than Advance Financial
  • Helps build credit

  Cons

  • Rates as high as 195%
  • Requires direct deposit
  • Bank account must be at least 90 days old

• More details

  Loan amount	$500 - $5,000
  Interest rate type	Fixed
  APR	160% to 195%
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day

Advance Financial loans top out at $4,000, but Avant offers up to $35,000. Plus, its rates are far better, starting at 9.95% and capped at 35.99%. It also considers credit scores as low as 550, making it a far more accessible option for people with less-than-perfect credit. Some applicants may qualify for its credit card that has borrowing limits up to $3,000.

But Avant charges origination fees up to 9.99%, which can significantly add to the loan's cost. It also has a relatively high minimum loan amount compared to Advance Financial. If you want to borrow less than $2,000, you'll need to look elsewhere.

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• Why we like it

  Advance Financial loans top out at $4,000, but Avant offers up to $35,000. Plus, its rates are far better, starting at 9.95% and capped at 35.99%. It also considers credit scores as low as 550, making it a far more accessible option for people with less-than-perfect credit. Some applicants may qualify for its credit card that has borrowing limits up to $3,000.

  But Avant charges origination fees up to 9.99%, which can significantly add to the loan's cost. It also has a relatively high minimum loan amount compared to Advance Financial. If you want to borrow less than $2,000, you'll need to look elsewhere.

• Pros and cons

  Pros

  • Loans up to $35,000
  • Rates start at 9.95%
  • Accepts poor credit

  Cons

  • Charges origination fees
  • Relatively high minimum loan amount
  • Not available in all states

• More details

  Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

• Partner terms and conditions

  Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.

Unlike Advance Financial, OneMain Financial allows loan cosigners. Having a cosigner on your loan application usually means you can qualify for better rates and terms than you could get on your own. Interest rates range from 18% to 35.99%, and you could see funding as soon as the same day you apply.

But some loans may require collateral — typically a vehicle title that meets OneMain's requirements. It also charges origination fees, which can either be a flat fee up to $500 or a percentage of the loan up to 10%. Plus, minimum and maximum loan amounts vary significantly from state to state.

• Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

• Why we like it

  Unlike Advance Financial, OneMain Financial allows loan cosigners. Having a cosigner on your loan application usually means you can qualify for better rates and terms than you could get on your own. Interest rates range from 18% to 35.99%, and you could see funding as soon as the same day you apply.

  But some loans may require collateral — typically a vehicle title that meets OneMain's requirements. It also charges origination fees, which can either be a flat fee up to $500 or a percentage of the loan up to 10%. Plus, minimum and maximum loan amounts vary significantly from state to state.

• Pros and cons

  Pros

  • Accepts cosigners
  • Loans up to $20,000
  • Rates start at 18%

  Cons

  • Charges origination fees
  • May require collateral
  • Loan amounts vary by state

• More details

  Loan amount	$1,500 to $20,000
  APR	18% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24, 36, 48 or 60 months

• Partner terms and conditions

  <sub>* OneMain Disclosures:
  
  Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
  
  Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
  
  Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
  
  Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
  
  Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.</sub>

There's no credit check for Huntington Bank's Standby Cash personal line of credit, which sets it apart from Advance Financial. It's also a less expensive option because it's interest-free if you pay within three months via autopay. And you can access the funds instantly if you qualify.

But it has a lower borrowing limit, at only $500, and you have to borrow at least $100 at a time. Plus, it charges a 5% transfer fee for each transaction. You'll also need to be a Huntington customer and have at least three months of consistent deposits equaling $1,000 or more.

• Only available in: Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, Wisconsin

• Why we like it

  There's no credit check for Huntington Bank's Standby Cash personal line of credit, which sets it apart from Advance Financial. It's also a less expensive option because it's interest-free if you pay within three months via autopay. And you can access the funds instantly if you qualify.

  But it has a lower borrowing limit, at only $500, and you have to borrow at least $100 at a time. Plus, it charges a 5% transfer fee for each transaction. You'll also need to be a Huntington customer and have at least three months of consistent deposits equaling $1,000 or more.

• Pros and cons

  Pros

  • No credit check required
  • Interest-free if paid by autopay
  • Fast access to funds

  Cons

  • Charges 5% transfer fees
  • Must be a Huntington customer
  • Only available in 13 states

• More details

  Loan amount	$100 to $500
  APR	12% on outstanding balance
  Interest Rate Type	Fixed
  Min. credit score	Not stated
  Loan Term	From 3 months

NetCredit offers significantly lower rates than Advance Financial, starting as low as 34%, and higher loan amounts up to $10,000. It also offers personal lines of credit, and same-day funding is possible.

But rates can reach up to 99.99%, and rates and loan amounts can vary by state. Plus, it's not available in all states.

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

• Why we like it

  NetCredit offers significantly lower rates than Advance Financial, starting as low as 34%, and higher loan amounts up to $10,000. It also offers personal lines of credit, and same-day funding is possible.

  But rates can reach up to 99.99%, and rates and loan amounts can vary by state. Plus, it's not available in all states.

• Pros and cons

  Pros

  • Lower rates than Advance Financial
  • Loans up to $10,000
  • Also offers credit lines

  Cons

  • Rates as high as 99.99%
  • Loan amounts and terms vary by state
  • Not available in all states

• More details

  Loan amount	$1,000 - $10,000
  Interest rate type	Variable
  APR	34% to 99.99% (Varies by state)
  Loan Term	6 months to 5 years
  Turnaround time	1-3 business days