4 Loans Like RISE Credit for Fast Cash in 2025

OneMain Financial generally offers access to loans ranging from $1,500 to $20,000 — much higher than RISE Credit's max of $5,000. And its interest rates are capped at 35.99%, lower than with RISE. If you have a bank-issued debit card in the SpeedFunds network, you can get your money within one hour after closing or up to two business days with a different bank account.

Applying online takes just a few minutes, or you can visit one of its approximately 1,400 branches if you'd rather speak with someone face to face. But unlike RISE Credit, OneMain Financial charges origination fees as either flat fees from $25 to $500 or percentage-based fees up to 10%, depending on your state.

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

• Why we like it

  OneMain Financial generally offers access to loans ranging from $1,500 to $20,000 — much higher than RISE Credit's max of $5,000. And its interest rates are capped at 35.99%, lower than with RISE. If you have a bank-issued debit card in the SpeedFunds network, you can get your money within one hour after closing or up to two business days with a different bank account.

  Applying online takes just a few minutes, or you can visit one of its approximately 1,400 branches if you'd rather speak with someone face to face. But unlike RISE Credit, OneMain Financial charges origination fees as either flat fees from $25 to $500 or percentage-based fees up to 10%, depending on your state.

• Pros and cons

  Pros

  • APR is capped at 35.99%
  • Easy application process
  • Physical branches

  Cons

  • Loan minimums and maximums may vary by state
  • Late payment fees can be as high as $30 or a percentage of the monthly payment up to 15%
  • Origination fees can reach $500 or 10% of loan amount

• 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>

MoneyLion offers a free service designed to connect you with leading lenders, helping you secure a personal loan that meets your unique needs—whether you're planning home improvements, consolidating debt, or handling an unexpected cost. Loan amounts range from $1,000 to $100,000, with eligibility based on factors such as your credit score and income. MoneyLion claims it also works with borrowers with less-than-stellar credit, so even if your credit score isn't at its best, you may still find options.

The process starts with a fast, easy online application that doesn't affect your credit score. Once submitted, you'll be matched with several loan options tailored to your situation, allowing you to compare interest rates, terms, and monthly payments.

Though many customers leave positive reviews on Trustpilot and BBB, the company has also received a BBB alert due to recurring complaints.

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

• Why we like it

  MoneyLion offers a free service designed to connect you with leading lenders, helping you secure a personal loan that meets your unique needs—whether you're planning home improvements, consolidating debt, or handling an unexpected cost. Loan amounts range from $1,000 to $100,000, with eligibility based on factors such as your credit score and income. MoneyLion claims it also works with borrowers with less-than-stellar credit, so even if your credit score isn't at its best, you may still find options.

  The process starts with a fast, easy online application that doesn't affect your credit score. Once submitted, you'll be matched with several loan options tailored to your situation, allowing you to compare interest rates, terms, and monthly payments.

  Though many customers leave positive reviews on Trustpilot and BBB, the company has also received a BBB alert due to recurring 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

Upstart offers personal loans ranging from $1,000 to $75,000. It caps interest rates at 35.99% and can be as low as 6.7%, depending on factors like your credit history and income.

But unlike other lenders, including RISE Credit, Upstart's scoring model also factors in your education and employment. Upstart claims to offer rates 36% lower as opposed to a traditional rating model. If approved, you can expect your funds within one business day. Upstart also has a five-star rating on Trustpilot. But origination fees can peak at 12%.

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

• Why we like it

  Upstart offers personal loans ranging from $1,000 to $75,000. It caps interest rates at 35.99% and can be as low as 6.7%, depending on factors like your credit history and income.

  But unlike other lenders, including RISE Credit, Upstart's scoring model also factors in your education and employment. Upstart claims to offer rates 36% lower as opposed to a traditional rating model. If approved, you can expect your funds within one business day. Upstart also has a five-star rating on Trustpilot. But origination fees can peak at 12%.

• Pros and cons

  Pros

  • Low starting interest rates
  • Education is a factor in Upstart's credit eligibility model
  • Significant amount of positive customer reviews

  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

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.