Loans Like CreditNinja

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

  APR	0%
  Loan amount	Up to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

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 $750 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

• 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 $750 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

  APR	0%
  Loan amount	Up to $150/day, with a max of $750 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1 to 3 business days or within minutes for a fee starting at $2.99 per transfer

• 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.

OppLoans offers loan amounts relatively comparable to CreditNinja, ranging from $500 to $4,000. Its loan terms are also similar, with repayment periods of 9 to 18 months. Like CreditNinja, interest rates are high for Opploans — from 160% 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, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, Washington, West Virginia

• Why we like it

  OppLoans offers loan amounts relatively comparable to CreditNinja, ranging from $500 to $4,000. Its loan terms are also similar, with repayment periods of 9 to 18 months. Like CreditNinja, interest rates are high for Opploans — from 160% 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

  APR	160% to 195%
  Loan amount	$500 to $4,000
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day

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 $50,000, and much better interest rates, starting at just 6.7% 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 $50,000, and much better interest rates, starting at just 6.7% 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 $50,000
  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

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.

• Available in all states

• 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	Up 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.

Consider Best Egg if you want more affordable interest rates than CreditNinja. Best Egg's rates start at 7.99% 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 7.99% 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	7.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as the next business day
  Loan Term	3 to 5 years

• Partner terms and conditions

  *Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc.
  
  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 8.99%–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%–8.99% 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/

Like CreditNinja, OneMain Financial accepts borrowers with bad credit, but rates are much lower, making it a solid alternative. Its lowest rates start at 18%, 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 18%, 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 $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>