5 Loans Like Bison Cash: Fast Cash for Bad Credit in 2025

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 6.7%. 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 6.7%. 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 6.7%
  • 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	6.7% 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

Chime MyPay is the popular banking app's cash advance feature, which provides advances up to $500 between paychecks. Unlike Bison Cash, it doesn't charge interest or late fees and there's never a credit check. Plus, it's free to use (no monthly subscription) and only costs $2 for instant transfers.

You just need to get paid by direct deposit and have a Chime checking account and debit card to qualify. Plus, it only requires $200 in eligible deposits.

• 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

  Chime MyPay is the popular banking app's cash advance feature, which provides advances up to $500 between paychecks. Unlike Bison Cash, it doesn't charge interest or late fees and there's never a credit check. Plus, it's free to use (no monthly subscription) and only costs $2 for instant transfers.

  You just need to get paid by direct deposit and have a Chime checking account and debit card to qualify. Plus, it only requires $200 in eligible deposits.

• Pros and cons

  Pros

  • No monthly subscription required
  • $2 instant transfers
  • 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	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.

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, Georgia, Iowa, Maryland, Massachusetts, New York, 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	160% to 195%
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day

The Current banking app provides cash advances up to $750, 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 $750, 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 $750
  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 $20,000, and same-day funding is possible. Rates range from 18% 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 $20,000, and same-day funding is possible. Rates range from 18% 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 18%
  • Loans up to $20,000

  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>