4 Loans Like Rapid Cash for Fast Cash in 2025

Upstart offers loans from $1,000 to $75,000 — much higher than you could get at Rapid Cash. And Upstart loans are available in 48 states, compared to Rapid Cash only available in Florida.

Upstart also offers interest rates as low as 6.7%, depending on factors like your credit history. However, origination fees can be as high as 12%. Rapid Cash also charges a $5 verification fee. Still, Rapid Cash's interest rates may be too excessive for some borrowers. Upstart places a 35.99% cap on interest rates.

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

• Why we like it

  Upstart offers loans from $1,000 to $75,000 — much higher than you could get at Rapid Cash. And Upstart loans are available in 48 states, compared to Rapid Cash only available in Florida.

  Upstart also offers interest rates as low as 6.7%, depending on factors like your credit history. However, origination fees can be as high as 12%. Rapid Cash also charges a $5 verification fee. Still, Rapid Cash's interest rates may be too excessive for some borrowers. Upstart places a 35.99% cap on interest rates.

• Pros and cons

  Pros

  • Interest rates as low as 6.7%
  • High rating on Trustpilot

  Cons

  • Origination fees can be high

• More details

  Loan amount	$1,000 to $75,000
  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

MoneyLion is a free service that connects you with top lenders to find a personal loan tailored to your needs, whether it's for home improvement, debt consolidation, or unexpected expenses. Loans range from $1,000 to $100,000 depending on your credit score, income, and other factors. It also claims it can even help borrowers with less-than-stellar credit gain access to a loan.

To get started, you complete a quick and simple online application that won't impact your credit score. You'll receive multiple options based on your eligibility and requirements. These options allow you to easily compare rates, terms, and monthly payments.

However, reviews of the company are mixed. While Trustpilot and BBB reviews rate the company highly, there's also a BBB alert due to an ongoing pattern of complaints.

• Not available in: Colorado, Connecticut, New York, Vermont, West Virginia

• Why we like it

  MoneyLion is a free service that connects you with top lenders to find a personal loan tailored to your needs, whether it's for home improvement, debt consolidation, or unexpected expenses. Loans range from $1,000 to $100,000 depending on your credit score, income, and other factors. It also claims it can even help borrowers with less-than-stellar credit gain access to a loan.

  To get started, you complete a quick and simple online application that won't impact your credit score. You'll receive multiple options based on your eligibility and requirements. These options allow you to easily compare rates, terms, and monthly payments.

  However, reviews of the company are mixed. While Trustpilot and BBB reviews rate the company highly, there's also a BBB alert due to an ongoing pattern of complaints.

• Pros and cons

  Pros

  • Compare lenders without affecting your credit score
  • Simple and quick application
  • Low minimum loan amount available

  Cons

  • Shares you information with third parties
  • Mixed reviews online

• More details

  Loan amount	$1,000 to $100,000
  APR	Varies by lender
  Interest Rate Type	Fixed
  Min. credit score	Varies by lender
  Turnaround Time	Varies by lender
  Loan Term	Varies by lender

LightStream offers personal loans from $5,000 to $100,000, and interest rates range from 6.24% to 24.89% with autopay. Unlike many other lenders, including Rapid Cash, LightStream provides 0.50% discounts if you set up autopay before loan funding. LightStream also offers rates 10 percentage points lower than a competitor's rate on an unsecured loan you were approved for with the same loan terms offered by LightStream.

However, you should note that interest rates on personal loans would be 0.50% higher if you don't opt in for autopay before funding. And LightStream typically approves only customers with good to excellent credit.

• Not available in: Iowa, West Virginia

• Why we like it

  LightStream offers personal loans from $5,000 to $100,000, and interest rates range from 6.24% to 24.89% with autopay. Unlike many other lenders, including Rapid Cash, LightStream provides 0.50% discounts if you set up autopay before loan funding. LightStream also offers rates 10 percentage points lower than a competitor's rate on an unsecured loan you were approved for with the same loan terms offered by LightStream.

  However, you should note that interest rates on personal loans would be 0.50% higher if you don't opt in for autopay before funding. And LightStream typically approves only customers with good to excellent credit.

• Pros and cons

  Pros

  • Low starting interest rates
  • Rate discounts offered
  • Available in all 50 states

  Cons

  • Larger rates without autopay enrollment
  • Typically need good to excellent credit for approval

• More details

  Loan amount	$5,000 to $100,000
  APR	6.24% to 24.89%
  Interest Rate Type	Fixed
  Min. credit score	Good to excellent credit
  Turnaround Time	As soon as same day
  Loan Term	24 to 240 months

• Partner terms and conditions

  Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
  
  Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
  
  Maximum APR for a LightStream loan is 25.79%. Loan terms range from 24 - 240 months depending on the loan type.

The Cleo app offers cash advances of up to $250 with no direct deposit requirement or no interest. Cleo lets you know within the same day you download the app wether you qualify. You can opt to receive the funds instantly for a fee or for free if you can wait three to four business days.

You pick your repayment date (within 14 days of borrowing) and agree to have the money automatically deducted from your bank account on the repayment date. The app only takes what you've borrowed, plus the expedited transfer fee, if chosen. To get advances though Cleo, you'll need to pay a monthly subscription fee of $5.99.

• Available in all states

• Why we like it

  The Cleo app offers cash advances of up to $250 with no direct deposit requirement or no interest. Cleo lets you know within the same day you download the app wether you qualify. You can opt to receive the funds instantly for a fee or for free if you can wait three to four business days.

  You pick your repayment date (within 14 days of borrowing) and agree to have the money automatically deducted from your bank account on the repayment date. The app only takes what you've borrowed, plus the expedited transfer fee, if chosen. To get advances though Cleo, you'll need to pay a monthly subscription fee of $5.99.

• Pros and cons

  Pros

  • No payslips or W-2 forms required
  • No credit checks or interest charged
  • Set monthly goals and track your spending

  Cons

  • Monthly fee to access cash advances
  • Borrowing amounts are initially limited
  • Mixed customer reviews

• More details

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