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Loans Like CreditCube

Find the perfect alternative to CreditCube — compare interest rates, loan limits and flexibility.

CreditCube is an online lender that specializes in short-term installment loans to cover emergency expenses. The company’s accessible requirements may appeal to applicants with less-than-perfect credit, but high APRs make it an expensive form of borrowing.

Thankfully, several alternatives are available — whether you’re looking for lower rates, a longer repayment term, a better reputation or higher loan limits. Keep reading to discover six of the best loans like CreditCube.

Our 6 top picks for loans like CreditCube

Alternative for lower interest rates

OppLoans Installment Loans

9.4 Excellent

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Like CreditCube, OppLoans provides short-term installment loans that provide cash quickly so you can cover emergency expenses. OppLoans doesn't require a minimum credit score, which makes it a viable option for those with bad credit.

Though there are many similarities between CreditCube and OppLoans, one major difference is their APRs. The APR CreditCube offers to first-time borrowers is 779.97%, while OppLoans ranges from 160% to 195%. This difference in rates can save you a considerable amount in interest over the life of the loan.

Loan amount$500 - $4,000
Turnaround timeAs soon as the same business day
Online applicationYes
  • Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, Washington, West Virginia

Alternative for higher loan limits

Upstart personal loans

8.3 Great

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Upstart and CreditCube both follow nontraditional underwriting methods and work with borrowers who have bad credit, but that's where the similarities end. One of the biggest differences between the two lenders is the size of loan they offer.

For first-time borrowers, CreditCube caps the maximum loan amount at $500, while Upstart personal loans range from $1,000 to $50,000. Upstart also offers much better rates and longer repayment terms than CreditCube; APRs range between 6.7% and 35.99%, with repayment terms of either three or five years.

Min. credit score300
APR6.7% to 35.99%
Loan amount$1,000 to $50,000
  • Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

Alternative for better online reputation

OneMain Financial personal loans

6.8 Standard

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If you have bad credit and need to borrow money fast but are worried about CreditCube's reputation, another option is available: a personal loan through OneMain Financial. When you compare CreditCube and OneMain Financial in terms of customer reviews and online ratings, you'll discover a huge gap between them.

CreditCube is not accredited by the Better Business Bureau (BBB) and has an F rating on the BBB website. OneMain Financial has an A- rating and has been BBB accredited since 2015. Trends on Trustpilot are similar. CreditCube has a 2.1-star rating, while OneMain Financial has earned an impressive 4.7 out of 5 stars.

Min. credit scoreNot specified
APR18% to 35.99%
Loan amount$1,500 to $20,000
  • Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

Alternative for longer repayment terms

Credible personal loans

8.6 Great

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As a short-term lender, CreditCube requires you to pay back your loan fairly quickly. If you need more time to repay, consider taking out a personal loan through Credible. Credible is an online loan marketplace that works with many lenders, offering repayment terms ranging from one to seven years.

Credible also offers much lower interest rates than CreditCube. Credible's APRs range from 6.94% for well-qualified borrowers to 35.99% for fair credit borrowers. That's a lot lower than the 259.94% to 779.97% rates offered by CreditCube, saving you a lot of money over the life of the loan.

Min. credit scoreFair to excellent credit
APR6.94% to 35.99%
Loan amount$1,000 to $200,000
  • Available in all states

Alternative for availability in all 50 states

Bankrate

8.6 Great

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CreditCube isn't authorized to operate in nine states: Connecticut, Georgia, Illinois, Minnesota, New York, Pennsylvania, Vermont, Virginia or West Virginia. If you live in one of these states and need a loan, consider Bankrate as a possible alternative.

Bankrate is a loan marketplace that's available to residents of all 50 states. Through Bankrate, you can compare multiple loan offers without dinging your credit score. And because Bankrate works with a wide range of lenders, chances are you'll find an offer even if you have less-than-stellar credit.

Min. credit scorePoor to excellent credit
APR4.60% to 35.99%
Loan amount$1,000 to $100,000
  • Available in all states

Alternative for no late fees

Dave ExtraCash

8.5 Great

Read review

Dave is a cash advance app that allows users to borrow up to $500 without requiring a credit check. While Dave charges a small subscription fee, it doesn't charge interest on your cash advance, which saves you money over CreditCube.

Dave also doesn't charge any fees if your payment is a little late, making it a good alternative to CreditCube. But it could take up to three business days to receive your money from Dave. If you want instant access to funds, you'll pay an additional fee.

Loan amountUp to $500
Turnaround timeUp to 3 business days to an external debt card, instantly to a Dave checking or instant to an external bank account for an optional fee.
CostsUndisclosed
  • Available in all states

How does CreditCube compare?

CreditCube is an online lender that’s owned and operated by the Big Valley Band of Pomo Indians. It caters mostly to borrowers with poor credit, providing short-term installment loans to help cover emergency expenses. Here’s an overview of the pros and cons of borrowing from CreditCube.

Pros

  • Easy application process with quick loan decision
  • Requirements are easy to meet compared to traditional lenders
  • You have three days to change your mind and cancel your loan
  • Fast loan disbursement in as little as one business day
  • Loyalty program rewards you with lower APRs and higher borrowing limits
  • No penalty for paying your loan off early

Cons

  • High APRs that reach up to 779.97% for first-time customers
  • Low loan limit of $500 for first-time borrowers
  • Not available to residents of Connecticut, Georgia, Illinois, Minnesota, New York, Pennsylvania, Vermont, Virginia or West Virginia
  • Not available to active military service members or their dependents
  • Fees apply for late payments and insufficient funds
  • Better Business Bureau rating of F with numerous complaints
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To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
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Contributor

Christi Gorbett is a freelance writer with more than eight years of experience and a master's degree in English. She’s created a wide range of content for banks, financial product comparison sites, and marketing companies on topics like small business loans, credit cards, mortgages, retirement planning, lender reviews, and more. As a former teacher, Christi excels at making complex financial topics accessible and easy to understand. Her interest in finance grew when she returned to the U.S. after living in South Korea for nearly a decade. This shift was driven by several personal financial challenges: rebuilding her financial base after the move home, starting her own business, and catching up on retirement savings. These experiences deepened Christi’s practical understanding of finance and intensified her interest in the field. See full bio

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