Loans Like Big Picture Loans: Fast Cash, Lower Fees

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 160% 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, Georgia, Iowa, Maryland, Massachusetts, New York, 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 160% 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 - $4,000
  Interest rate type	Fixed
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day

Similar to Big Picture Loans, OneMain Financial doesn't have a minimum credit score to qualify, and it has much better rates, ranging from 18% 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 18% 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 $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>

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 $2 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, Wisconsin, 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 $2 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
  • $2 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
  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.

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 6.7%. 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 6.7%. 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 6.7%
  • Loans up to $50,000

  Cons

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

• More details

  Loan amount	$1,000 to $50,000
  APR	6.7% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the same day
  Loan Term	36 or 60 months