6 Loans Like Blue Mountain Loans for Fast Cash in 2026

If you're looking for a lender that has larger loan limits than Blue Mountain Loans, consider SoFi®. SoFi offers loans from $5,000 to $100,000, while Blue Mountain Loans are limited to $1,200 max.

SoFi also gives you a lot longer to pay off your loan, you can take anywhere from two to seven years for repayment. That's a lot longer than the 12 months maximum offered by Blue Mountain Loans. And APRs are much lower, too — APRs on SoFi loans range from 6.99% to 35.49% compared to Blue Mountain Loans' maximum of 660%.

• Available in all states

• Why we like it

  If you're looking for a lender that has larger loan limits than Blue Mountain Loans, consider SoFi®. SoFi offers loans from $5,000 to $100,000, while Blue Mountain Loans are limited to $1,200 max.

  SoFi also gives you a lot longer to pay off your loan, you can take anywhere from two to seven years for repayment. That's a lot longer than the 12 months maximum offered by Blue Mountain Loans. And APRs are much lower, too — APRs on SoFi loans range from 6.99% to 35.49% compared to Blue Mountain Loans' maximum of 660%.

• Pros and cons

  Pros

  • Wide range of loan amounts
  • Variety of repayment terms
  • Offers autopay discount

  Cons

  • High minimum loan amount
  • Requires good credit
  • Optional origination fee to lower interest rate

• More details

  Loan amount	$5,000 to $100,000
  APR	6.99% to 35.49% with autopay and member discounts (0.25% each)
  Interest Rate Type	Fixed
  Min. credit score	680
  Turnaround Time	Same day (if approved and signed by 5:30 p.m. ET)
  Loan Term	2 to 7 years

• Partner terms and conditions

  Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Information current as of 07/20/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
  
  Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount.
  
  SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 07/20/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors.
  
  Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan
  proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.
  
  Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
  
  Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet.
  
  Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
  
  Direct deposit. To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

Upstart is a great option If you have less-than-perfect credit. This loan marketplace considers applicants with credit scores as low as 300. As a bad credit borrower, you probably won't qualify for Upstart's lowest advertised APR of 6.3%. But Upstart's maximum APR of 35.99% is still much lower than what you could be charged by Blue Mountain Loans, with APRs topping out at 660%.

Upstart is also a good choice if you need money fast, once your application is approved, you can get funding in as little as one business day. Plus, Upstart allows you to borrow $1,000 to $75,000, while Blue Mountain Loans offers $100 to $1,200.

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

• Why we like it

  Upstart is a great option If you have less-than-perfect credit. This loan marketplace considers applicants with credit scores as low as 300. As a bad credit borrower, you probably won't qualify for Upstart's lowest advertised APR of 6.3%. But Upstart's maximum APR of 35.99% is still much lower than what you could be charged by Blue Mountain Loans, with APRs topping out at 660%.

  Upstart is also a good choice if you need money fast, once your application is approved, you can get funding in as little as one business day. Plus, Upstart allows you to borrow $1,000 to $75,000, while Blue Mountain Loans offers $100 to $1,200.

• Pros and cons

  Pros

  • Considers applicants with low credit scores
  • Fast funding, as soon as the next day
  • Offers a wide range of loan amounts

  Cons

  • Only two repayment term options
  • Charges a loan origination fee
  • Higher APRS for borrowers with bad 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

For those who need more time to pay off their loan, Upgrade is an excellent alternative to Blue Mountain Loans. While Blue Mountain Loans gives you only 12 months maximum for repayment, Upgrade offers two to seven years.

Plus, Upgrade offers APRs ranging from 7.74% to 35.99% — way lower than the 660% max charged by Blue Mountain Loans. Upgrade also works with borrowers who have less-than-stellar credit — feel free to apply if you have a credit score of 580 or higher.

• Not available in: Colorado, Iowa, Maryland, Vermont, West Virginia

• Why we like it

  For those who need more time to pay off their loan, Upgrade is an excellent alternative to Blue Mountain Loans. While Blue Mountain Loans gives you only 12 months maximum for repayment, Upgrade offers two to seven years.

  Plus, Upgrade offers APRs ranging from 7.74% to 35.99% — way lower than the 660% max charged by Blue Mountain Loans. Upgrade also works with borrowers who have less-than-stellar credit — feel free to apply if you have a credit score of 580 or higher.

• Pros and cons

  Pros

  • Repayment terms of 2 to 7 years
  • Fair credit accepted
  • Competitive APRs start at 7.74%
  • Offers autopay discount

  Cons

  • Loan origination fee up to 9.99%
  • Funding could take up to 4 business days
  • No cosigners allowed

• More details

  Loan amount	$1,000 to $50,000
  APR	7.74% to 35.99% (includes origination fee)
  Interest Rate Type	Fixed
  Min. credit score	580
  Turnaround Time	1 to 4 business days
  Loan Term	2 to 7 years

• Partner terms and conditions

  Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

If you're wary of Blue Mountain Loans' bad reputation, you might want to check out OneMain Financial. This lender has excellent ratings on the Better Business Bureau and Trustpilot websites. On both sites, past customers praise its easy application process, fast funding and helpful customer service.

In addition to a great reputation, OneMain Financial also offers fast access to borrowed funds — through the “SpeedFunds” option, you can get your money in as little as one hour after closing on the loan. Plus, there is a wide range of repayment terms to choose from: 24, 36, 48 or 60 months. Blue Mountain Loans only offers terms of 4 to 12 months.

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

• Why we like it

  If you're wary of Blue Mountain Loans' bad reputation, you might want to check out OneMain Financial. This lender has excellent ratings on the Better Business Bureau and Trustpilot websites. On both sites, past customers praise its easy application process, fast funding and helpful customer service.

  In addition to a great reputation, OneMain Financial also offers fast access to borrowed funds — through the “SpeedFunds” option, you can get your money in as little as one hour after closing on the loan. Plus, there is a wide range of repayment terms to choose from: 24, 36, 48 or 60 months. Blue Mountain Loans only offers terms of 4 to 12 months.

• Pros and cons

  Pros

  • Excellent ratings on BBB and Trustpilot
  • Funding in as little as one hour through SpeedFunds
  • Available to borrowers with good and bad credit

  Cons

  • High starting APR of 11.99%
  • Charge an origination fee
  • Not available in all 50 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.

With Opploans, if you complete your application and get your loan approved before noon Central Time, you can receive your funds the very same day. Plus, OppLoans has a much better reputation than Blue Mountain Loans, earning an A+ rating from the BBB, compared to Blue Mountain Loans' F rating.

OppLoans APRs are a bit higher than other lenders on this list — ranging from 129% to 195% — but they're still much lower than what Blue Mountain Loans has to offer. And as an extra bonus, OppLoans doesn't require a hard credit check to apply.

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

• Why we like it

  With Opploans, if you complete your application and get your loan approved before noon Central Time, you can receive your funds the very same day. Plus, OppLoans has a much better reputation than Blue Mountain Loans, earning an A+ rating from the BBB, compared to Blue Mountain Loans' F rating.

  OppLoans APRs are a bit higher than other lenders on this list — ranging from 129% to 195% — but they're still much lower than what Blue Mountain Loans has to offer. And as an extra bonus, OppLoans doesn't require a hard credit check to apply.

• Pros and cons

  Pros

  • Accredited by the BBB with A+ rating
  • Offers same-day funding
  • No hard credit check required

  Cons

  • APRs higher than most lenders
  • Limited loan amounts and repayment terms
  • Not available in all 50 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.

Dave is a financial services app that offers checking and savings accounts plus budgeting tools, but its most popular feature is ExtraCash. With a Dave's ExtraCash account, you can borrow up to $500 when you're short on cash — with no credit check required.

Dave doesn't charge interest. Instead, it makes money through a monthly subscription fee and optional tips. The funds you borrow are automatically withdrawn from your linked bank account on your next payday, so you don't have to worry about missing payments. But cash advance amounts are based on your banking activity. If your bank balance is low, you may not be approved for the entire $500 — especially if you've never borrowed from Dave before.

• Not available in: District of Columbia

• Why we like it

  Dave is a financial services app that offers checking and savings accounts plus budgeting tools, but its most popular feature is ExtraCash. With a Dave's ExtraCash account, you can borrow up to $500 when you're short on cash — with no credit check required.

  Dave doesn't charge interest. Instead, it makes money through a monthly subscription fee and optional tips. The funds you borrow are automatically withdrawn from your linked bank account on your next payday, so you don't have to worry about missing payments. But cash advance amounts are based on your banking activity. If your bank balance is low, you may not be approved for the entire $500 — especially if you've never borrowed from Dave before.

• Pros and cons

  Pros

  • No credit check required
  • No interest charged
  • No late payment fee

  Cons

  • Fee for same-day funding
  • Low borrowing limits
  • Subscription fee required

• More details

  Loan amount	Up to $500
  Loan Term	Varies
  Turnaround time	Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee