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Compare sites like LendUp

LendUp allows people with bad or no credit to get short-term loans when money is tight.

LendUp is one of a handful of payday lenders that reports on-time to the three major credit bureaus. This makes it possible to improve your credit when you take out a loan — and qualify for a better deal the next time around. But it has run into some trouble with regulators after it failed to report repayments as often as it promised and overcharging service members.

We reviewed over 250 payday, installment and personal loans before coming up with this list of alternatives. In January 2021, we updated it to focus on providers that accept bad credit that can have a positive impact on your credit.

Our top 7 picks like LendUp


OppLoans Installment Loans

4.4 / 5 ★★★★★

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on OppLoans's secure website
Like LendUp, OppLoans offers installment and title loans that can improve your credit score. But you can borrow larger amounts right away, and its APRs — while high — are lower than what LendUp offers first-time borrowers. But it's a little harder to qualify for than LendUp. It requires you to get your monthly income via direct deposit into a bank account that is at least 90 days old.
  • Not available in: Arkansas, California, Colorado, Connecticut, Illinois, Iowa, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Pennsylvania, Vermont, Virginia, West Virginia
  • Loans up to $5,000
  • Lower APRs than LendUp
  • Turnaround as soon as one business day
  • No loans under $500
  • Must get paid with direct deposit
  • Must have a bank account for at least 90 days
Loan amount$500 - $5,000
Interest rate typeFixed
Loan Term9 to 24 months
Turnaround time1 business day

NetCredit personal loans

2.7 / 5 ★★★★★

Go to site
on NetCredit's secure website
NetCredit offers installment loans to borrowers of all credit types. While its interest rates are high compared to a personal loan, they're much lower than what you'll find with LendUp. But skip this lender if all you need is a few hundred dollars — NetCredit's installment loans start at $1,000.
  • Available in: Alabama, Alaska, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin
  • Rates from 34% to 155% APR
  • Borrow up to $10,500
  • Terms as long as five years
  • No loans under $1,000
  • Mixed online reviews
Loan Amount$1,000 - $10,500
APR34% to 155%
Interest Rate TypeFixed
Min. Credit ScoreNo minimum
Turnaround Time1 to 3 business days
Maximum Loan Term5 years
Minimum Loan Term0.5 years

Monevo personal loans

4.4 / 5 ★★★★★

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on Monevo's secure website
Monevo is a service you can use to get connected with a personal loan provider. It has options for good, fair and bad credit and can help you find a personal loan as low as $500. And because its partners only offer personal loans, rates stop at 35.99% APR.
  • Available in all states
  • No rates higher than 36% APR
  • Personal loans for bad credit available
  • Compare multiple offers
  • No loans under $500
  • Might receive calls and emails from partners
  • Limited to partners in its network
Loan Amount$500 - $100,000
APR1.99% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreNone
Turnaround TimeVaries by lender
Maximum Loan Term12 years
Minimum Loan Term0.5 years

Even Financial personal loans

4.25 / 5 ★★★★★

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on Even Financial, Inc.'s secure website
Even Financial is a connection service that helps people with credit scores as low as 550 find a personal loan. Sites like these help you avoid payday loans by allowing you to compare multiple offers from long-term lenders. But it doesn't offer loans under $1,000.
  • Available in all states
  • Rates stop at 35.99% APR
  • Compare multiple offers
  • Accepts 550 credit scores
  • Limited to offers from Even's partners
  • No loans under $1,000
Loan Amount$1,000 - $100,000
APR4.99% to 35.99%
Interest Rate TypeFixed
Min. Credit Score550
Turnaround TimeVaries
Maximum Loan Term7 years
Minimum Loan Term2 years

MoneyLion Credit Builder Plus personal loans

3.9 / 5 ★★★★★

MoneyLion's Credit Builder Plus personal loan is resigned to help people with bad or no credit build their credit scores. It offers lower APRs than you'll find with almost all bad credit providers and there is no minimum. But you won't receive your funds right away. Your repayments go into a locked savings account that you can access after you pay off the loan. And you have to pay a monthly membership fee of $19.99.
  • Not available in: Colorado, Connecticut, New York, Vermont, West Virginia
  • Designed to build credit
  • Maximum APR of 29.99%
  • No credit check
  • Monthly membership fee
  • Won't access funds immediately
Loan AmountUp to $1,000
APR5.99% to 29.99%
Interest Rate TypeFixed
Min. Credit ScoreAll credit scores accepted
Minimum Loan Term1 year

RISE Credit Installment Loans

Go to site
on RISE Credit's secure website
RISE Credit is an installment loan provider that offers loans from $500 to $5,000 with no minimum credit score. And it can be helpful if you find yourself borrowing more than once a year — it offers lower rates to repeat borrowers who make on-time payments. But repayments are due once every two weeks. And while rates are lower than LendUp, they can still be high compared to installment lenders.
  • Available in: Alabama, California, Delaware, Georgia, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, New Mexico, North Dakota, Ohio, South Carolina, South Dakota, Texas, Utah, Wisconsin
  • Lower rates for repeat borrowers
  • Loans up to $5,000
  • Designed to build your credit
  • High rates compared to other installment loans
  • No loans under $500
Loan amount$300 - $5,000
Interest rate typeFixed
Loan Term4 to 26 months
Turnaround timeAs soon as the next business day

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

This payday lender and installment loan provider doesn't report your payments to the three credit bureaus. But it offers what other providers on this list don't: Loans as low as $50. That makes this a better choice for small emergencies that LendUp and similar providers fund. But that convenience will cost you with high rates and fees.
  • Available in: Alabama, Alaska, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
  • Loans as low as $50
  • Funding in one to two business days
  • Doesn't report to credit bureaus
  • Must be 21 to borrow
Loan amountVaries by state
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

Compare more lenders

Use this table to find more payday loans or installment loans available in your state.

Name Product Filter Values Loan amount Turnaround time Requirements
B9 pay advance app
Up to 100% of your salary
$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
Withdraw 100% of your paycheck with no extra fee for instant funding.
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
Get a fair loan designed for immigrants and nonresidents.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.

Compare up to 4 providers

How does LendUp stack up?

Now that you’ve read about the alternatives, is LendUp actually a better choice? Weigh these main benefits and drawbacks of this provider.


  • Fast application and quick response
  • Low minimum loan amount of $100
  • LendUp Ladder program allows eligible borrowers to apply for larger loans at lower rates


  • Low maximum loan amount of $250
  • Not licensed in every state
  • High transaction fees depending on your state

See how other top providers compare to different lenders by checking out A-to-Z directory.

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