7 Loans Like CreditCube for Fast Cash 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. Standard transfers arrive in 1 to 2 business days for free, or you can get your money in minutes via Lightning Speed from $3.99. Because EarnIn works off your earned wages rather than a loan model, there's nothing to repay beyond what you've already made.

The catch: EarnIn only works if you're employed with a regular paycheck. It's not compatible with Social Security, disability, unemployment or gig-only 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. Standard transfers arrive in 1 to 2 business days for free, or you can get your money in minutes via Lightning Speed from $3.99. Because EarnIn works off your earned wages rather than a loan model, there's nothing to repay beyond what you've already made.

  The catch: EarnIn only works if you're employed with a regular paycheck. It's not compatible with Social Security, disability, unemployment or gig-only 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.

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 129% to 195%. This difference in rates can save you a considerable amount in interest over the life of the loan.

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

• Why we like it

  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 129% to 195%. This difference in rates can save you a considerable amount in interest over the life of the loan.

• Pros and cons

  Pros

  • No minimum credit score required
  • Easy online application
  • Borrowers receive funds quickly, as fast as the next business day
  • Reports to the three main credit bureaus to help you rebuild your credit

  Cons

  • APRs higher than traditional loans
  • Maximum loan limit lower than other lenders
  • 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.

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 $75,000. Upstart also offers much better rates and longer repayment terms than CreditCube; APRs range between 6.3% and 35.99%, with repayment terms of either three or five years.

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

• Why we like it

  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 $75,000. Upstart also offers much better rates and longer repayment terms than CreditCube; APRs range between 6.3% and 35.99%, with repayment terms of either three or five years.

• Pros and cons

  Pros

  • View offers from multiple lenders
  • Uses alternative criteria to determine eligibility
  • Funds received as fast as one business day
  • No penalties for paying your loan off early

  Cons

  • Charges a loan origination fee up to 12%
  • Charges a fee for late payments
  • May not be available in all 50 states

• 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

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.

CreditCube is not accredited by the Better Business Bureau (BBB) and has a B rating on the BBB website. OneMain Financial has an A- rating and has been BBB accredited since 2015. Trends on Trustpilot are impressive for both. CreditCube has a 4.8-star rating, while OneMain Financial has earned an impressive 4.7 out of 5 stars.

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

• Why we like it

  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.

  CreditCube is not accredited by the Better Business Bureau (BBB) and has a B rating on the BBB website. OneMain Financial has an A- rating and has been BBB accredited since 2015. Trends on Trustpilot are impressive for both. CreditCube has a 4.8-star rating, while OneMain Financial has earned an impressive 4.7 out of 5 stars.

• Pros and cons

  Pros

  • Offers flexible repayment terms of 2 to 5 years
  • Offers secured and unsecured loans
  • Significantly higher loan amount than CreditCube for first-time borrowers
  • Loans can be received in as little as one business day
  • Has more than 1,300 physical branches

  Cons

  • High starting APRs
  • Loan origination fee of 1% to 10%
  • Charges a late payment fee
  • Fees for returned payments

• 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.

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.

• Available in all states

• Why we like it

  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.

• Pros and cons

  Pros

  • Lower rates than CreditCube
  • Allows you to compare offers from multiple lenders
  • Check loan offers without damaging your credit
  • Borrowers with poor credit may qualify
  • Flexible repayment terms from two to 12 years
  • High loan limit of $100,000
  • Provides a wide array of financial education tools and resources

  Cons

  • Not a direct lender
  • Low marks on Trustpilot
  • Funding can take up to seven business days, depending on the lender

• More details

  Loan amount	$1,000 to $100,000
  APR	6.49% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	No minimum
  Loan Term	Varies by lender, typically up to 7 to 10 years

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.

• Not available in: District of Columbia

• Why we like it

  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.

• Pros and cons

  Pros

  • No credit check required
  • No interest charged
  • Includes budgeting tools

  Cons

  • Small subscription fee
  • Fees for instant transfers
  • Low loan amounts
  • Must be repaid on your next payday

• 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

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 5.99% 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.

• Available in all states

• Why we like it

  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 5.99% 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.

• Pros and cons

  Pros

  • See offers without harming your credit score
  • Competitive APRs, lower than CreditCube
  • Flexible repayment terms of one to seven years
  • High max borrowing limit

  Cons

  • Not a direct lender
  • Fees vary by lender
  • It can take several business days to receive funds
  • Credible may have stricter requirements for lending compared to CreditCube

• More details

  Loan amount	$1,000 to $250,000
  APR	5.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Fair to excellent credit
  Turnaround Time	As soon as 1 business day
  Loan Term	Varies by lender

• Partner terms and conditions

  Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 5.99% - 35.99% APR with terms from 12 to 120 months. Credible also works with network Partners like AmONE, Alternative Providers, and non-lender providers such as Accredited Debt Relief who offer loans and other products with different rates and terms than described here. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 15%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three-year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.