Unlike CashAdvance.com, OppLoans is an installment loans lender that offers loans of $500 to $5,000 to qualifying borrowers. In customer reviews, the lender is often praised for its excellent customer service and the large loan amounts it offers that sets it apart from other short-term loan lenders.
Options include installment loans, title loans and personal loans.
Wide range of payback terms — from 9 months to 24 months, with no prepayment penalties.
Funding in as little as one business day.
An easy online application process.
Bad credit is OK.
High interest rates vary starting from 59% to 199%.
Limited availability by state. It’s only open to residents of: Alabama, California, Delaware, Georgia, Idaho, Illinois, Kansas, Mississippi, Missouri, Nevada, New Mexico, Ohio, South Carolina, Tennessee, Texas, Utah, Virginia or Wisconsin.
Unlike CashAdvance.com, LendUp is a direct lender that allows people with poor or no credit to get short-term loans when money is tight. The short-term loans lender offers a unique borrowing platform which helps you rebuild your credit history as you move up the LendUp Ladder by earning points through making on-time repayments, taking free financial education courses and referring friends to the service. The more points you earn, the higher on the LendUp Ladder you move, which equates to longer loan terms at a lower rate.
Fast application and quick response.
Low minimum loan amount of $100.
Depending on your state of residency, you may be able to participate in the LendUp Ladder program which allows eligible borrowers to apply for larger loans at lower rates.
Bad credit is OK.
Funding in as little as one business day.
Free online education courses.
Low maximum loan amount of $250.
Not licensed in every state. Only available in: California, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas and Wisconsin.
Unlike CashAdvance.com, Check Into Cash is a direct lender that features low minimum loans with a fast turnaround so you can take out only the amount you need. In some states, the lender also offers title loans, installment loans and lines of credit.
Low minimum loan amount of $50.
Quick turnaround, with money deposited the next business day.
Bad credit is OK.
It’s available in more states than not. Check Into Cash is not available in: Arizona, Arkansas, Connecticut, DC, Georgia, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Dakota, Vermont or West Virginia.
APR can be more than 153.73% depending on your state.
Like CashAdvance.com, SWIFT Money Loans is a lender-connection service that connects you with the most suitable lender based on your credit, getting you cash in as little as one business day. If you’ve successfully borrowed in the past, you can get up to $1,200 as a payday advance using SWIFT’s service.
Easy application, completed in less than five minutes.
No fees for lender-connection service.
Access to multiple lenders so you get connected with the best one for your finances.
Unlike CashAdvance.com, ACE Cash Express is a direct lender that offers payday loans, title loans and installment loans when you need cash fast. They offer a 72-hour guarantee that allows you to pay back your loan in 72 hours for no extra money, and in some states, you may even be eligible for a complete or partial refund of applicable loan fees if you pay back your loan early.
Over 40 years of experience.
Instant decision on loan status.
72-hour guarantee allows you to pay back loan in 72 hours for no extra money.
You can pay your loan off ahead of time without any prepayment fees, and in some states, you may be eligible for a complete or partial refund of applicable loan fees.
Only available in California, Idaho, Florida, Kansas, Louisiana, Minnesota, Texas and Ohio.
Unlike CashAdvance.com, Cash Central is a licensed provider of short-term loans that boasts more than 1 million satisfied clients and quick processing of payday loans. This direct lender is especially good for people who don’t have a bank account, as they also disburse loan funds onto prepaid debit cards.
Quick online application process.
Easy for repeat borrowing.
Loans available in most states, including: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin and Wyoming
Unlike CashAdvance.com, CashNetUSA is a direct lender that features payday loans, installment loans and even lines of credit for when you need money quickly. It’s available in more states than not, and can get you funds in as little as one business day.
Offers payday loans, installment loans and lines of credit.
Maximum loan of Varies by state.
Turnaround time of one business day.
Offers loans in more states than not. Unavailable in: Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont and West Virginia.
Unlike CashAdvance.com, Check City is a direct lender that provides payday loans and installment loans for people with low credit scores who need money fast. This responsible lender is accredited by the Better Business Bureau (BBB), which gives it an A+ rating, and is also a member of the Community Financial Services Association of America (CFSA) and the Utah Consumer Lending Association (UCLA), which means you’ll be treated fairly when you apply.
Payday and installment loan options.
Loans available for those with poor credit.
Money available in one business day.
Responsible lender. Accredited by the BBB with an A+ rating, and member of the CFSA and UCLA.
APR varies starting from 141.44%.
Only available in 17 states: Alabama, Alaska, California, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, New Mexico, North Dakota, Texas, Utah, Virginia, Washington, Wisconsin and Wyoming.
Unlike CashAdvance.com, Spotloan is a direct lender that offers installment loans of $300 to $800 to qualified applicants. It’s available in most states, and you can get your loans the next business day if you apply by 8 p.m. Eastern time.
Variable repayment plans. You can make repayments via direct debit from your bank, a check or a money order.
Easy online application.
Money available the next day if you apply by 8 p.m. Eastern time.
Available in most states, except: Arkansas, DC, Minnesota, New York, North Dakota, Pennsylvania and West Virginia.
Unlike CashAdvance.com, Check ‘n’ Go is a direct lender that offers short-term loans of $100 to $1,500 for qualified applicants who need money quickly. It’s available in more states than not, and those that qualify can get same-day funding.
Offers payday loans, installment loans and prepaid debit cards.
Same-day funding for those who qualify.
Bad credit is OK.
Available in more states than not. Unavailable in: Alaska, Arizona, Arkansas, Colorado, Connecticut, Georgia, Louisiana, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, South Carolina, South Dakota, Vermont, Virginia, Washington and West Virginia.
Like CashAdvance.com, Triangle Cash is a lender-connection service. It uses cutting-edge technology to connect you with the right lender and get approval quickly for loans of up to $1,000. Triangle Cash is available in all but five states and is known to connect individuals with lenders who can get them loans in as little as one business day.
Instant approval, with high approval rates.
Funding in less than one business day in most cases.
Available in most states, except: Arkansas, Connecticut, New York, Vermont and West Virginia
Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors.
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