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6 Loans Like Fig Loans to Borrow Fast Cash in 2026

These lenders offer similar loan amounts and terms — and might be what you’re looking for.

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Dhara Singh

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Holly Jennings

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Fig Loans, based in Sugarland, Texas, started in 2014 to help working-class Americans build credit and solve immediate cash needs. While Fig Loans is a good option for borrowers who may not have an extensive credit history or aren’t eligible for personal loans elsewhere, Fig Loan’s high interest rates, ranging from 35.99% to 279%, may deter those looking for lower interest rates.

The lender also offers limited loan amounts ranging from $50 to $800 in six US states, which may not help borrowers seeking larger loan amounts. Borrowers typically have anywhere from four to six months to pay back their entire loan. We’ll break down loans with similar loan amounts and terms, some with a wider range of loan amounts and other perks.

Our Top 6 loans like Fig Loans

Alternative for credit building

Cleo

8.2 Great

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Cleo is a budgeting and cash advance app that allows users to access up to $250 of already-earned income to cover their expenses until their next payday. New users can borrow up to $70 right away, a higher initial limit than most other cash advance apps. However, users pay a monthly subscription fee of $5.99 to access cash advances, and a same-day transfer costs an additional $3.99.

Cleo's cash advance is interest-free and does not have late fees. The app offers cash advances without credit checks or employment verification, making it a good option for freelancers and gig workers. The app also includes tools to help users budget and track their spending better.

Loan Amount $20 - $250
Turnaround time 3 to 4 days or instant for a fee.
Costs $5.99 monthly membership fee to access cash advances
  • Available in all states

Alternative for employed borrowers

EarnIn

9.5 Excellent

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EarnIn is a cash advance app that lets you borrow up to $1,000 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there are no interest or financing fees to use Cash Outs.

To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account. Regular transfers are available in one to three business days or in minutes for a fee.

Loan Amount Up to $1,000
Turnaround time 1-2 business days standard, in minutes with a small fee
Costs Free
  • Not available in: Connecticut, District of Columbia

Alternative for short-term loans

CashNetUSA Loan

7.2 Great

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CashNetUSA is an online lender that offers same-day funding, instant approval decisions and quick online applications. CashNetUSA considers the overall financial picture of borrowers, not just their credit score. The lender offers lines of credit and installment loans like Fig loans with amounts between $100 and $3,000. Depending on the state, APRs can reach up to 315%, which is higher than Fig Loans. It also charges a 15% transaction fee in certain states.

While it's not the cheapest option, CashNetUSA's rates are regulated, and customers give it generally good reviews on Trustpilot as a source of quick emergency funds. However, the interest rates are high, and the loans are only available in certain states.

Loan Amount $100 - $3,000
APR 229% to 325%
Turnaround time Funding possible as soon as the same day
Online application Yes
  • Only available in: Alabama, Delaware, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas, Utah, Wisconsin

Alternative for installment loans

Possible Finance Mobile Installment Loans

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Possible Finance offers an easy application process, and funds are deposited as soon as the next business day. Possible Finance is an app that lets you borrow short-term installment loans up to $500. Terms are very short, only lasting up to 2 months.

Rates vary by state, but plan to pay around $15 to $20 per $100 borrowed, which can work out to APRs as high as 200%. There's no credit check, repayments align with your pay schedule and Possible Finance gets decent customer reviews. However, Possible Finance has limited state availability — it's only available in 18 states.

Loan Amount $50 - $500
APR Varies by state; fees are $10–$25 per $100 borrowed in most states
Turnaround time As fast as 1 business day
  • Not available in: Alaska, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, South Dakota, West Virginia, Wisconsin

Alternative for payment flexibility

Brigit

8.4 Great

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Brigit is an app that offers cash advances up to $500 per pay period for a monthly $8.99 to $14.99 fee. The app offers an easy application process, and funds are deposited as soon as the next business day. The company offers free repayment extensions on advances and in-app alerts to let users know if they're at risk of overdraft. However, to get an extension, users need to have at least two prior consecutive on-time payments.

Brigit's monthly fee includes a credit builder program and up to $1 million in identity theft protection. Brigit is a good option for users who need help managing their finances and avoiding costly fees.

Loan Amount $50 - $500
Turnaround time 1 to 3 business days or instant with a Premium subscription or for a fee.
Costs Brigit Plus: $8.99/month; Brigit Premium: $14.99/month
  • Available in all states

Alternative for employee expenses

Upstart personal loans

9.3 Excellent

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Upstart is a good option for borrowers who need a personal loan and have less-than-perfect credit. Upstart is known for its unique underwriting model that considers factors besides your credit score, including your education and career.

The lender is available in 46 states, including California, Florida and Texas. Upstart offers a range of loan amounts from $1,000 to $75,000, with rates between 6.3% and 35.99%. Upstart charges an origination fee on its loans, which can be as high as 12% of the loan amount. However, if you have bad to fair credit, expect your APR to be on the higher end.

Min. credit score 300
APR 6.30%–35.99% (includes any origination fee)
Loan amount $1,000 to $75,000
  • Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

How does Fig Loans Compare?

Fig Loans is an online lender that offers installment loans as a payday loan alternative. Fig Loans doesn’t use credit scores to make lending decisions and may help borrowers build credit. The company states that 94% of its borrowers get their funds the following business day and the rest within three business days.

Compared to Possible Finance and other lenders, Fig Loans offers higher loan amounts but with higher interest rates. Fig Loans have APRs ranging from 35.99% to 279% depending on the state, and the loans are only small-dollar, short-term loans.

Pros

  • No credit score required
  • Easy application process
  • Funds usually deposited the next business day

Cons

  • High APRs up to 279% depending on the state
  • Smaller loans
  • Shorter payback periods

Alternatives to payday and installment loans

Payday and installment loans can be quite predatory and come with high interest rates. A typical $375 payday loan can come with $520 in fees due to repeat borrowing, according to a study by the St. Louis Federal Reserve. If you prefer to avoid cash advance apps altogether in addition to payday loans, consider these cash advance app alternatives:

1. Consider a loan from the National Credit Union Administration (NCUA)

These loans, called PAL, are regulated by the National Credit Union Administration (NCUA). They are usually generally a low-cost borrowing option for those with a steady income and a debt-to-income ratio under 50%.

2. Secure an advance from your credit card

You can withdraw money from your credit card account. The average credit card rate is around 15%, but intro periods can be 0% for a limited time. This option is best for people who already have a credit card and haven’t maxed out their limit. One card to consider is the Discover it® Cash Back card, which offers 0% intro APR for up to 14 months and has a cash advance fee of 5% of the amount advanced or $10, whichever is the larger amount.

3. Ask your employer

If you need funds fast, ask if your employer offers paycheck cash advances. Some employers use apps such as Even or DailyPay, which let you grab larger portions of your paycheck ahead of time.

4. Apply for personal loans

Personal loans are unsecured loans that can be used for a variety of purposes, including emergency expenses. They typically have lower interest rates than payday loans and cash advance apps. Lenders such as Avant, OneMain Financial and Upstart work with borrowers who have lower credit scores and cap rates at 36% APR. You can use these loans for debt consolidation, home improvement and emergencies.

5. Ask your loved ones

Borrowing from friends or family can be a low-cost alternative to cash advance apps. Make sure to have a clear repayment plan in place to avoid creating tension in relationships.

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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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Dhara Singh was a freelance personal finance writer at Finder specializing in loans. Formerly she was a top 10 journalist at Yahoo Finance with more than 38+ million content views where she covered retirement and mortgages. She has also written for Bankrate, and CNET and continues to write for a variety of outlets, such as Investopedia and Worth magazine. Her articles focus on equipping readers with the right information and data so they can make the most informed decisions related to their finances. Dhara previously worked as an insights analyst for Finder’s PR team, where she started the Deadliest Cities to Drive series in 2018, connecting interesting data analysis to a suite of car insurance products. When she’s not writing, Dhara coaches small business owners through her Stories to Sales programs and empowers them to use their life experiences to help other people. She has also self-published a poetry book on Amazon called Tell her She’s Lovely. Dhara holds a B.S. in Finance and Supply Chain Management from Rutgers University and a M.S. in Journalism from Columbia University. See full bio

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