Loans Like Big Picture Loans to Borrow Fast Cash in 2026

Unlike Big Picture Loans, OppLoans only requires a soft credit check, so it won't hurt your score even if you're not approved. It also has lower rates, with APRs from 129% to 195% — still high, but a far cry from Big Picture's 699%. And it also accepts borrowers with bad credit. But OppLoans isn't available in all states, you need to get paid by direct deposit and loan amounts vary depending on where you live.

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

• Why we like it

  Unlike Big Picture Loans, OppLoans only requires a soft credit check, so it won't hurt your score even if you're not approved. It also has lower rates, with APRs from 129% to 195% — still high, but a far cry from Big Picture's 699%. And it also accepts borrowers with bad credit. But OppLoans isn't available in all states, you need to get paid by direct deposit and loan amounts vary depending on where you live.

• Pros and cons

  Pros

  • Soft credit check only
  • Better rates than some installment loans
  • Helps build credit

  Cons

  • Rates as high as 195%
  • Requires direct deposit
  • Not available in all states

• More details

  Loan amount	$500 - $5,000
  Interest rate type	Fixed
  APR	129% - 195% APR
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day

• Partner terms and conditions

  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.

Similar to Big Picture Loans, OneMain Financial doesn't have a minimum credit score to qualify, and it has much better rates, ranging from 11.99% to 35.99%. It also offers a secured option and accepts cosigners, giving borrowers a better chance of approval and at more competitive rates. But it charges origination fees, you might have to finalize your loan at a branch location and it's not available in all states.

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

• Why we like it

  Similar to Big Picture Loans, OneMain Financial doesn't have a minimum credit score to qualify, and it has much better rates, ranging from 11.99% to 35.99%. It also offers a secured option and accepts cosigners, giving borrowers a better chance of approval and at more competitive rates. But it charges origination fees, you might have to finalize your loan at a branch location and it's not available in all states.

• Pros and cons

  Pros

  • Offers secured and cosigned loans
  • Rates capped at 35.99%
  • Accepts poor credit

  Cons

  • Charges origination fees
  • May have to visit a branch office
  • Not available in all states

• More details

  Loan amount	$1,500 to $30,000
  APR	11.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24 – 60 months

• Partner terms and conditions

  You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral.  
   
  Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. 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.
   
  OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees.
   
  Current OneMain Customers:  Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates.  If a customer applies for a new loan offer, a OneMain representative will discuss available options.
   
  Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral.  If you are covered by the MLA, you are not eligible for secured loans.
   
  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.
   
  Time to Fund Loans: Funding within one hour after loan 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 closing.

Netcredit also offers installment loans, like Big Picture Loans, but its rates are much more reasonable, starting at 34% and capped at 99.9%. It also has larger loan amounts, ranging from $1,000 to $10,000 and loan terms as long as 60 months. Plus, as of March 2025, it no longer charges late fees or NSF penalties. But rates and loan terms can vary depending on where you live and it's not available in every state.

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

• Why we like it

  Netcredit also offers installment loans, like Big Picture Loans, but its rates are much more reasonable, starting at 34% and capped at 99.9%. It also has larger loan amounts, ranging from $1,000 to $10,000 and loan terms as long as 60 months. Plus, as of March 2025, it no longer charges late fees or NSF penalties. But rates and loan terms can vary depending on where you live and it's not available in every state.

• Pros and cons

  Pros

  • Lower rates than most installment loans
  • No late or NSF fees on new loans
  • Loan terms up to 5 years

  Cons

  • Rates as high as 99.9%
  • Rates and terms vary by state
  • Not available in all states

• More details

  Loan amount	$1,000 to $10,000
  APR	34% to 99.9%
  Interest Rate Type	Fixed
  Min. credit score	No minimum
  Turnaround Time	Typically the next business day or sooner
  Loan Term	6 months to 5 years

Avant welcomes self-employed applicants, and it doesn't require direct deposit like Big Picture Loans does. It has a low credit score requirement of 550 and loan amounts up to $35,000. It also has a fast application process with funding as soon as the next day. But its lowest loan amount is on the high end at $2,000, which may be more than some borrowers need. Plus, it charges origination fees up to 9.99%, and it's not available in all states.

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

• Why we like it

  Avant welcomes self-employed applicants, and it doesn't require direct deposit like Big Picture Loans does. It has a low credit score requirement of 550 and loan amounts up to $35,000. It also has a fast application process with funding as soon as the next day. But its lowest loan amount is on the high end at $2,000, which may be more than some borrowers need. Plus, it charges origination fees up to 9.99%, and it's not available in all states.

• Pros and cons

  Pros

  • Low credit score requirement
  • Accepts self-employment income
  • Rates start at 9.95%

  Cons

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

• 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.

For borrowers with poor credit looking for a smaller loan amount, Chime's MyPay feature offers advances of up to $500. There's no credit check required, and there is no interest or late fees. It also doesn't charge a monthly subscription — the only fee you'll ever pay is 3% of the advance amount ($2 minimum, $5 maximum) if you need an instant transfer. Standard transfers are free and should arrive within 24 hours. But you need a Chime checking account to qualify, and it requires direct deposit and at least $200 in eligible deposits. Plus, it can take a little time to qualify for larger advances.

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

• Why we like it

  For borrowers with poor credit looking for a smaller loan amount, Chime's MyPay feature offers advances of up to $500. There's no credit check required, and there is no interest or late fees. It also doesn't charge a monthly subscription — the only fee you'll ever pay is 3% of the advance amount ($2 minimum, $5 maximum) if you need an instant transfer. Standard transfers are free and should arrive within 24 hours. But you need a Chime checking account to qualify, and it requires direct deposit and at least $200 in eligible deposits. Plus, it can take a little time to qualify for larger advances.

• Pros and cons

  Pros

  • Advances up to $500
  • No interest, late fees or credit check
  • 3% of the advance amount ($2 minimum, $5 maximum) instant transfer fee

  Cons

  • Requires a Chime checking account
  • Must have direct deposit
  • Only smaller advances for new users

• More details

  Loan amount	$20 - $500
  Interest rate type	Fixed
  APR	0%
  Loan Term	Until next deposit
  Turnaround time	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)

• 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: Some Restrictions Apply. To be eligible for MyPay, 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”). Your MyPay Credit Limit and Maximum Available Advance 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 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; see back of card for issuer. 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 transfers, Pay Anyone transfers, 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. APY: The 4.00% 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 1.00% APY will apply. The APYs are effective as of 10/06/2026, 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. Build credit: On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

Upstart considers factors such as education and employment rather than just your credit score when determining loan approval. With a low minimum credit score of only 300, this makes Upstart a solid choice for new borrowers or people trying to repair their credit history. For those with good credit, rates start as low as 6.3%. But its loan terms are only 3 or 5 years, which some may find limiting, and it charges origination fees up to 12%.

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

• Why we like it

  Upstart considers factors such as education and employment rather than just your credit score when determining loan approval. With a low minimum credit score of only 300, this makes Upstart a solid choice for new borrowers or people trying to repair their credit history. For those with good credit, rates start as low as 6.3%. But its loan terms are only 3 or 5 years, which some may find limiting, and it charges origination fees up to 12%.

• Pros and cons

  Pros

  • Low minimum credit score requirement
  • Rates start at 6.3%
  • Loans up to $75,000

  Cons

  • Origination fees up to 12%
  • Only offers two loan terms
  • Rates high for poor credit

• 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