6 Loans Like Bison Cash: Fast Cash for Bad Credit in 2026

EarnIn lets you access up to $150 a day, and up to $1,000 per pay period, from wages you've already earned, with no interest and no credit check. Where Bison Cash can charge APRs of 700% or more, EarnIn costs nothing for standard transfers and just $3.99 for Lightning Speed delivery in minutes.

You'll need to be employed with a regular paycheck direct deposited into a linked checking account to qualify. It's not compatible with Social Security, disability or unemployment income.

• Not available in: Connecticut, District of Columbia

• Why we like it

  EarnIn lets you access up to $150 a day, and up to $1,000 per pay period, from wages you've already earned, with no interest and no credit check. Where Bison Cash can charge APRs of 700% or more, EarnIn costs nothing for standard transfers and just $3.99 for Lightning Speed delivery in minutes.

  You'll need to be employed with a regular paycheck direct deposited into a linked checking account to qualify. It's not compatible with Social Security, disability or unemployment income.

• Pros and cons

  Pros

  • Higher limit than most cash advance apps
  • No subscription fee required
  • Same-day transfers available

  Cons

  • Employment and direct deposit required
  • $150 daily cap limits access
  • No Social Security or benefits income accepted

• 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.

Upstart is a lending marketplace that offers personal loans from $1,000 to $75,000 with rates much lower than those of Bison Cash, starting as low as 6.3%. It also offers short-term installment loans from $200 to $2,500 with rates capped at 36%. Its AI-driven platform considers more than just your credit score — such as your education and employment history — and accepts scores as low as 300.

But some lenders charge origination fees, and you'll need good credit to get the most competitive rates. It's also not available in all states, and loan amounts may vary depending on where you live.

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

• Why we like it

  Upstart is a lending marketplace that offers personal loans from $1,000 to $75,000 with rates much lower than those of Bison Cash, starting as low as 6.3%. It also offers short-term installment loans from $200 to $2,500 with rates capped at 36%. Its AI-driven platform considers more than just your credit score — such as your education and employment history — and accepts scores as low as 300.

  But some lenders charge origination fees, and you'll need good credit to get the most competitive rates. It's also not available in all states, and loan amounts may vary depending on where you live.

• Pros and cons

  Pros

  • Loans up to $75,000
  • Rates from 6.3%
  • 300 minimum credit score

  Cons

  • Charges origination fees
  • Rates up to 35.99%
  • Loan amounts vary by state

• 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

Chime MyPay is a line of credit, not a loan, available through the Chime banking app, giving eligible users access to up to $500 between paydays. There's no interest, no credit check, and no monthly subscription fee. Standard transfers are free; instant transfers carry a fee of 3% of the advance amount ($2 minimum, $5 maximum). To qualify, you'll need a Chime checking account and debit card with at least $200 in qualifying direct deposits per month.

• 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

  Chime MyPay is a line of credit, not a loan, available through the Chime banking app, giving eligible users access to up to $500 between paydays. There's no interest, no credit check, and no monthly subscription fee. Standard transfers are free; instant transfers carry a fee of 3% of the advance amount ($2 minimum, $5 maximum). To qualify, you'll need a Chime checking account and debit card with at least $200 in qualifying direct deposits per month.

• Pros and cons

  Pros

  • No monthly subscription required
  • No interest, late fees or credit checks

  Cons

  • Need a Chime checking account
  • Requires direct deposit
  • Not available in all states

• More details

  Loan amount	Up to $500
  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.

OppLoans offers installment loans up to $5,000 — far more than you can get from Bison Cash — and it has similar requirements to qualify. Rates are also less expensive than Bison, and funding is possible as soon as the same day you apply. Plus, it reports to all three major credit bureaus, so on-time payments will improve your credit score.

But rates are still pretty steep, it's not available everywhere and you need to get paid by direct deposit.

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

• Why we like it

  OppLoans offers installment loans up to $5,000 — far more than you can get from Bison Cash — and it has similar requirements to qualify. Rates are also less expensive than Bison, and funding is possible as soon as the same day you apply. Plus, it reports to all three major credit bureaus, so on-time payments will improve your credit score.

  But rates are still pretty steep, it's not available everywhere and you need to get paid by direct deposit.

• Pros and cons

  Pros

  • Installment loans up to $5,000
  • Cheaper rates than Bison Cash
  • Builds credit

  Cons

  • Rates as high as 195%
  • Requires direct deposit
  • Not available everywhere

• 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.

The Current banking app provides cash advances up to $1,000, and it gives you access to credit building — something Bison Cash doesn't offer. Plus, it doesn't charge interest, late fees or any mandatory fees. It also has a ton of other features, including high-yield savings and crypto investing.

But you'll need at least $500 in eligible direct deposits, and some customers say it can take a while to qualify for the largest advances.

• Not available in: Wisconsin

• Why we like it

  The Current banking app provides cash advances up to $1,000, and it gives you access to credit building — something Bison Cash doesn't offer. Plus, it doesn't charge interest, late fees or any mandatory fees. It also has a ton of other features, including high-yield savings and crypto investing.

  But you'll need at least $500 in eligible direct deposits, and some customers say it can take a while to qualify for the largest advances.

• Pros and cons

  Pros

  • Credit-building option
  • Advances up to $750
  • No mandatory fees

  Cons

  • Requires at least $500 in eligible deposits
  • Must get paid by direct deposit
  • Smaller advances for new users

• More details

  Loan amount	$50 to $1,000
  Loan Term	Next deposit
  Turnaround time	Up to 3 days or within an hour for a fee

Unlike Bison Cash, OneMain Financial accepts loan cosigners, which can help you qualify for a more competitive rate. It also offers larger loan amounts than Bison, up to $30,000, and same-day funding is possible. Rates range from 11.99% to 35.99%.

But OneMain charges origination fees, which adds to the loan's cost. You could pay up to 10% of the loan amount or a flat fee up to $500. Some loans may also require collateral, and minimum and maximum loan amounts vary depending on where you live.

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

• Why we like it

  Unlike Bison Cash, OneMain Financial accepts loan cosigners, which can help you qualify for a more competitive rate. It also offers larger loan amounts than Bison, up to $30,000, and same-day funding is possible. Rates range from 11.99% to 35.99%.

  But OneMain charges origination fees, which adds to the loan's cost. You could pay up to 10% of the loan amount or a flat fee up to $500. Some loans may also require collateral, and minimum and maximum loan amounts vary depending on where you live.

• Pros and cons

  Pros

  • Allows cosigners
  • Rates start at 11.99%
  • Loans up to $30,000

  Cons

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

• 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.