6 Loans Like Plain Green Loans for Fast Cash in 2026

Unlike Plain Green Loans, Current doesn't charge interest or late fees on its cash advances. In fact, there are no mandatory charges at all unless you need same-day funding. It also offers advances up to $1,000, which is close to the maximum amount first-time Plain Green Borrowers can apply for.

You'll just need at least $500 in eligible deposits and get paid by direct deposit. Also, most people don't qualify for the highest advance amount until they've built some history with the app.

• Not available in: Wisconsin

• Why we like it

  Unlike Plain Green Loans, Current doesn't charge interest or late fees on its cash advances. In fact, there are no mandatory charges at all unless you need same-day funding. It also offers advances up to $1,000, which is close to the maximum amount first-time Plain Green Borrowers can apply for.

  You'll just need at least $500 in eligible deposits and get paid by direct deposit. Also, most people don't qualify for the highest advance amount until they've built some history with the app.

• Pros and cons

  Pros

  • No interest or late fees
  • No monthly subscription required
  • Advances up to $1,000

  Cons

  • Need $500 in qualifying deposits
  • Requires direct deposit
  • Advances may start small

• More details

  Loan amount	$50 to $1,000
  Loan Term	Next deposit
  Turnaround time	Up to 3 days or within an hour for a fee

Having a cosigner on your loan application greatly increases your chances of loan approval and can help you qualify for a better rate. And, unlike Plain Green Loans, OneMain Financial allows cosigners. It also has significantly better rates, which start at 11.99%, and larger loan amounts.

However, OneMain charges origination fees up to 10%, and some loans may require collateral. Plus, minimum and maximum loan amounts vary by state, and it's not available nationwide.

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

• Why we like it

  Having a cosigner on your loan application greatly increases your chances of loan approval and can help you qualify for a better rate. And, unlike Plain Green Loans, OneMain Financial allows cosigners. It also has significantly better rates, which start at 11.99%, and larger loan amounts.

  However, OneMain charges origination fees up to 10%, and some loans may require collateral. Plus, minimum and maximum loan amounts vary by state, and it's not available nationwide.

• Pros and cons

  Pros

  • Accepts cosigners
  • Lower rates
  • Larger loan amounts

  Cons

  • Charges origination fees
  • Loan amounts vary by state
  • Not available in all 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.

In general, it can be tough to qualify for a loan if your credit isn't ideal and you're self-employed. But Avant has a low minimum credit score requirement and welcomes self-employed income. It also has far better rates than Plain Green Loans — starting at 9.95% — and larger loan amounts.

But if you are self-employed, you'll need to submit two years of tax returns to qualify. Plus, Avant charges origination fees up to 9.99%, and the smallest loan amount is on the high side at $2,000.

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• Why we like it

  In general, it can be tough to qualify for a loan if your credit isn't ideal and you're self-employed. But Avant has a low minimum credit score requirement and welcomes self-employed income. It also has far better rates than Plain Green Loans — starting at 9.95% — and larger loan amounts.

  But if you are self-employed, you'll need to submit two years of tax returns to qualify. Plus, Avant charges origination fees up to 9.99%, and the smallest loan amount is on the high side at $2,000.

• Pros and cons

  Pros

  • Accepts self-employment income
  • Rates start at 9.95%
  • Loans up to $35,000

  Cons

  • Origination fees
  • Requires 2 years of tax returns from self-employed workers
  • High minimum loan amount

• More details

  Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

• Partner terms and conditions

  Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.

OppLoans only requires a soft credit check, unlike Plain Green Loans, so it won't hurt your credit score. It also offers larger loans for first-time borrowers, with amounts up to $5,000. And it can help you build credit with a history of on-time payments.

However, its rates are still high compared to some lenders, although they're far better than Plain Green's. You also need to get paid by direct deposit, and it's not available everywhere.

• 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 only requires a soft credit check, unlike Plain Green Loans, so it won't hurt your credit score. It also offers larger loans for first-time borrowers, with amounts up to $5,000. And it can help you build credit with a history of on-time payments.

  However, its rates are still high compared to some lenders, although they're far better than Plain Green's. You also need to get paid by direct deposit, and it's not available everywhere.

• Pros and cons

  Pros

  • Only requires a soft credit check
  • Lower rates than Plain Green
  • Larger loan amounts

  Cons

  • Rates as high as 195%
  • Requires direct deposit
  • Not available in all 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.

If you only need a small loan between paychecks, EarnIn offers advances up to $1,000 — nearly as much as you can get from Plain Green — on wages you've earned but haven't been paid for yet. It also doesn't charge interest or late fees or require a credit check.

But you need to have your work hours tracked and get paid by direct deposit to qualify for advances. Plus, you can only get a max of $150 a day up to the $1,000 limit per pay period.

• Not available in: Connecticut, District of Columbia

• Why we like it

  If you only need a small loan between paychecks, EarnIn offers advances up to $1,000 — nearly as much as you can get from Plain Green — on wages you've earned but haven't been paid for yet. It also doesn't charge interest or late fees or require a credit check.

  But you need to have your work hours tracked and get paid by direct deposit to qualify for advances. Plus, you can only get a max of $150 a day up to the $1,000 limit per pay period.

• Pros and cons

  Pros

  • Payday advances up to $1,000
  • No monthly membership required
  • Free fund transfers in 1 to 2 days

  Cons

  • Can only borrow up to $150 per day
  • Must track work hours
  • Requires direct deposit

• 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.

NetCredit offers installment loans like Plain Green Loans, but its rates are far lower, and you can borrow up to $10,000. It also offers personal lines of credit in some states if you're looking for a little more flexibility. Funding is possible the same day, as long as you apply by 11 a.m. CT.

But rates are still on the steep side compared to some loan options, capped at 99.99%. It also has a higher minimum loan amount than Plain Green Loans, and rates, terms and loan amounts vary depending on where you live.

• Not available in: Colorado, Connecticut, District of Columbia, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New York, North Carolina, Pennsylvania, Vermont, Virginia, West Virginia

• Why we like it

  NetCredit offers installment loans like Plain Green Loans, but its rates are far lower, and you can borrow up to $10,000. It also offers personal lines of credit in some states if you're looking for a little more flexibility. Funding is possible the same day, as long as you apply by 11 a.m. CT.

  But rates are still on the steep side compared to some loan options, capped at 99.99%. It also has a higher minimum loan amount than Plain Green Loans, and rates, terms and loan amounts vary depending on where you live.

• Pros and cons

  Pros

  • More competitive rates
  • Higher loan amounts
  • Also has personal lines of credit

  Cons

  • Rates as high as 99.99%
  • High minimum loan amount compared to Plain Green
  • Rates and terms vary by state

• More details

  Loan amount	$1,000 - $10,000
  Interest rate type	Fixed
  APR	34% to 99.99% (Varies by state)
  Loan Term	6 to 60 months
  Turnaround time	1-3 business days