8 Loans Like CreditNinja: Fast Cash Alternatives for 2026

EarnIn is a wage-based cash advance app that doesn't have any monthly fees. So, if you need a smaller loan, you can borrow up to $150 a day and up to $1,000 per pay period on wages you've already earned through your job. How much you qualify for depends on the hours you've already worked. Normal transfer times are as quick as just one business day, and with its Lighting Speed service, you can even get your advance in minutes for a fee of up to $5.99.

• Not available in: Connecticut, District of Columbia

• Why we like it

  EarnIn is a wage-based cash advance app that doesn't have any monthly fees. So, if you need a smaller loan, you can borrow up to $150 a day and up to $1,000 per pay period on wages you've already earned through your job. How much you qualify for depends on the hours you've already worked. Normal transfer times are as quick as just one business day, and with its Lighting Speed service, you can even get your advance in minutes for a fee of up to $5.99.

• Pros and cons

  Pros

  • Low instant transfer fees
  • No monthly subscription requirement
  • No credit check

  Cons

  • Can only request up to $150 a day
  • Advance amount depends on hours worked

• 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.

Varo offers cash advances up to $1,000 with a full 30 days to repay, a longer timeline than most short-term lenders or apps. There's no credit check, no late fees and offers same-day transfers without an extra charge.

Fees are flat and transparent, ranging from $1.60 to $40 depending on the amount borrowed. To qualify, you'll need at least $800 in direct deposits over the past 30 days and an active Varo account.

• Why we like it

  Varo offers cash advances up to $1,000 with a full 30 days to repay, a longer timeline than most short-term lenders or apps. There's no credit check, no late fees and offers same-day transfers without an extra charge.

  Fees are flat and transparent, ranging from $1.60 to $40 depending on the amount borrowed. To qualify, you'll need at least $800 in direct deposits over the past 30 days and an active Varo account.

• Pros and cons

  Pros

  • 30 day repayment window
  • No monthly membership fee
  • Same-day advances without extra fees

  Cons

  • Fees can run as high as $100 depending on borrowed amount
  • Low starting advance limits
  • Must have Varo bank account

• More details

  Loan amount	Up to $250 today. Build up to $1,000 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.
  Loan Term	30 days
  Turnaround time	Instant, once qualified

• Partner terms and conditions

  Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $1,000 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo +or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.

Cleo isn't a personal loan provider, but it provides cash advances of up to $250, which could be a more affordable option if you don't need as much as CreditNinja's minimum loan of $300. Plus, unlike CreditNinja, Cleo doesn't check credit scores, doesn't charge interest or late fees and only costs $3.99 for an instant transfer of funds. Or, if you can wait a few days, Cleo will deposit the money in your account within three or four days for free. However, Cleo requires a $5.99 monthly membership fee to access advances, which might not be worth the money if you only need an occasional cash advance.

• Available in all states

• Why we like it

  Cleo isn't a personal loan provider, but it provides cash advances of up to $250, which could be a more affordable option if you don't need as much as CreditNinja's minimum loan of $300. Plus, unlike CreditNinja, Cleo doesn't check credit scores, doesn't charge interest or late fees and only costs $3.99 for an instant transfer of funds. Or, if you can wait a few days, Cleo will deposit the money in your account within three or four days for free. However, Cleo requires a $5.99 monthly membership fee to access advances, which might not be worth the money if you only need an occasional cash advance.

• Pros and cons

  Pros

  • No interest charges or mandatory fees
  • Fast loans up to $250
  • Also offers budgeting credit-building tools

  Cons

  • Small loan amounts
  • Short repayment periods
  • Requires $5.99 monthly subscription

• More details

  Loan amount	$20 to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

OppLoans offers loan amounts relatively comparable to CreditNinja, ranging from $500 to $5,000. Its loan terms are also similar, with repayment periods of 9 to 18 months. Like CreditNinja, interest rates are high for Opploans — from 129% to 195%. However, Opploans doesn't charge origination fees, which can take a sizable bite out of your loan proceeds.

• 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 loan amounts relatively comparable to CreditNinja, ranging from $500 to $5,000. Its loan terms are also similar, with repayment periods of 9 to 18 months. Like CreditNinja, interest rates are high for Opploans — from 129% to 195%. However, Opploans doesn't charge origination fees, which can take a sizable bite out of your loan proceeds.

• Pros and cons

  Pros

  • Similar loan amounts to CreditNinja
  • No origination fees
  • No minimum credit score needed

  Cons

  • Higher APRs than other loan options
  • Must have bank account at least 90 days old
  • Must receive pay by direct deposit

• More details

  Loan amount	$500 to $5,000
  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 might be a good alternative to personal loans like CreditNinja because it can help you build credit for the first time. Unlike most lenders, it looks beyond your credit score and considers your educational and career experience, among other factors, to determine eligibility. Plus, it reports your monthly payments to all three major credit bureaus. Upstart also has a wider range of loan amounts than CreditNinja, from $1,000 to $75,000, and much better interest rates, starting at just 6.3% and capped at 35.99%. However, it may charge origination fees of up to 12%.

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

• Why we like it

  Upstart might be a good alternative to personal loans like CreditNinja because it can help you build credit for the first time. Unlike most lenders, it looks beyond your credit score and considers your educational and career experience, among other factors, to determine eligibility. Plus, it reports your monthly payments to all three major credit bureaus. Upstart also has a wider range of loan amounts than CreditNinja, from $1,000 to $75,000, and much better interest rates, starting at just 6.3% and capped at 35.99%. However, it may charge origination fees of up to 12%.

• Pros and cons

  Pros

  • Helps build credit
  • Considers alternative criteria to qualify
  • Larger loan amounts than CreditNinja

  Cons

  • Origination fees up to 12%
  • Minimum loan amount is $1,000
  • Loan terms are limited to 3 or 5 years

• 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

Like CreditNinja, OneMain Financial accepts borrowers with bad credit, but rates are much lower, making it a solid alternative. Its lowest rates start at 11.99%, which is higher than some providers, but it won't exceed 36%, like CreditNinja. And OneMain offers a secured loan option that can help you qualify for a better rate. But it charges origination fees up to 10%, and unlike fully online loans like CreditNinja, you may have to visit a branch office to finalize your loan.

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

• Why we like it

  Like CreditNinja, OneMain Financial accepts borrowers with bad credit, but rates are much lower, making it a solid alternative. Its lowest rates start at 11.99%, which is higher than some providers, but it won't exceed 36%, like CreditNinja. And OneMain offers a secured loan option that can help you qualify for a better rate. But it charges origination fees up to 10%, and unlike fully online loans like CreditNinja, you may have to visit a branch office to finalize your loan.

• Pros and cons

  Pros

  • Lower rates than CreditNinja
  • No minimum credit score requirement
  • Higher loan amounts

  Cons

  • Minimum loan amount is $1,500
  • Origination fees of up to 10%
  • May have to visit a branch office

• 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.

Getting a personal loan can be difficult if you're a self-employed or gig worker and have inconsistent income. But if you only need a small loan, a cash advance app like Dave, which offers advances up to $500 — $200 more than CreditNinja's minimum loan amount — might be just the ticket. And, unlike most cash advance apps, Dave doesn't have a direct deposit requirement, making it even more accessible for non-traditional workers. Dave also doesn't charge interest or late fees, and there is no credit check like there is with CreditNinja, but you may have to pay up to $25 to have the funds transferred instantly.

• Not available in: District of Columbia

• Why we like it

  Getting a personal loan can be difficult if you're a self-employed or gig worker and have inconsistent income. But if you only need a small loan, a cash advance app like Dave, which offers advances up to $500 — $200 more than CreditNinja's minimum loan amount — might be just the ticket. And, unlike most cash advance apps, Dave doesn't have a direct deposit requirement, making it even more accessible for non-traditional workers. Dave also doesn't charge interest or late fees, and there is no credit check like there is with CreditNinja, but you may have to pay up to $25 to have the funds transferred instantly.

• Pros and cons

  Pros

  • Up to $500 advances
  • No interest or late fees
  • No direct deposit required

  Cons

  • Small maximum advances
  • Instant transfer fees of up to $25
  • Short loan terms

• 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

Consider Best Egg if you want more affordable interest rates than CreditNinja. Best Egg's rates start at 6.99% and top out at 35.99%, which is less than CreditNinja's lowest APR. It also offers much bigger loans — up to $50,000 — but its minimum loan amount is $2,000, which is much higher than CreditNinja's smallest loan of $300. Both providers typically charge origination fees, but with its lower rates, Best Egg may still be a better option.

• Not available in: Iowa, Vermont, West Virginia

• Why we like it

  Consider Best Egg if you want more affordable interest rates than CreditNinja. Best Egg's rates start at 6.99% and top out at 35.99%, which is less than CreditNinja's lowest APR. It also offers much bigger loans — up to $50,000 — but its minimum loan amount is $2,000, which is much higher than CreditNinja's smallest loan of $300. Both providers typically charge origination fees, but with its lower rates, Best Egg may still be a better option.

• Pros and cons

  Pros

  • Lower rates than CreditNinja
  • Larger loan amounts
  • Multiple repayment methods

  Cons

• More details

  Loan amount	$2,000 to $50,000
  APR	6.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as the next business day
  Loan Term	36 to 60 months (unsecured); 60 to 84 months (home-secured)

• Partner terms and conditions

  *Trustpilot TrustScore as of April 2025. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender, Column N.A., Member FDIC, Equal Housing Lender, or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/