OppLoans offers loans of $500 to $4,000 to qualifying borrowers.
Pros
- Options include installment loans, title loans and personal loans.
- Wide range of payback terms — from 9 months to 36 months, with no prepayment penalties.
Cons
- High interest rates starting from 99%–199%%.
- Limited availability by state.
Looking to borrow a smaller amount of money?
Services for payday loans
1. LendUp
LendUp allows people with poor or no credit to get short term loans when money is tight.
Pros
- 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.
Cons
- Low maximum loan amount of $250.
- Not licensed in every state.
- High transaction fees depending on your state.
2. Check Into Cash
Check Into Cash features a low minimum loan and fast turnaround so you can take out only the amount you need.
Pros
- Low minimum loan amount of $50.
- Quick turnaround, money deposited next business day.
- Money can be used for any purpose.
Cons
- Not available in every state.
- APR can be more than 153.73% depending on your state.
- Steep late fees.
3. SWIFT
SWIFT Money Loans connects you with the best lender based on your credit and gets you cash in one business day.
Pros
- 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.
Cons
- Terms and APR vary by lender.
- Some lenders require a credit check.
- Other fees vary by lender.
4. ACE Cash Express
With more than four decades of experience, ACE Cash Express offers payday loans, title loans and installment loans when you need cash fast.
Pros
- 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.
Cons
- Only available in California, Idaho, Florida, Kansas, Louisiana, Minnesota, Texas and Ohio.
- Costs vary by state.
5. Cash Central
Cash Central is a licensed provider that boasts more than 1 million satisfied clients and quick processing of your payday loan.
Pros
- Quick online application process.
- Easy for repeat borrowing.
- Money can be used for any purpose.
Cons
- Loans not available in every state.
- Maximum amount varies by state.
- High late fees.
6. CashNetUSA
CashNetUSA features payday loans, installment loans and even lines of credit for when you need money quickly.
Pros
- Offers payday loans, installment loans and lines of credit.
- Maximum loan of Varies by state.
- Turnaround time of one business day.
Cons
- APR varies starting from Varies by state%.
- Not available in every state.
7. CashAdvance.com
CashAdvance.com is a loan-connection service that connects you with the best lender for your financial needs and credit score.
Pros
- Offers cash loans.
- Loan term of up to 1 months.
- Turnaround time of one to two business days.
Cons
- APR varies starting from 15%–1,564%%.
- Fees vary by lender.
8. Check City
Check City provides payday loans and installment loans for people with low credit scores who need money fast.
Pros
- Payday and installment loan options.
- Loans available for those with poor credit.
- Money available in one business day.
Cons
- 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.
9. Spotloan
Spotloan offers installment loans of $300 to $800 to qualified applicants.
Pros
- Variable repayment plans.
- Easy online application.
- Money available the next day if you apply by 5 p.m. ET.
Cons
- Offers loans from $300 to $800 only.
- APR and fees depend on the terms you qualify for.
10. Check ‘n’ Go
Check ‘n’ Go provides short term loans of $100 to $255 for qualified applicants who need money quickly.
Pros
- Prepaid Mastercards available.
- More than 22 years of experience.
- Same-day funding for those who qualify.
Cons
- Offers loans from $100 to $255 only.
- Charges service fees for the loan.
11. Triangle Cash
Triangle Cash uses cutting-edge technology to connect you with the right lender and get approval quickly for loans of up to $1,000.
Pros
- High approval rates.
- Instant approval.
- Funding in less than one day in most cases.
Cons
- APR varies by lender and state.
- Loan amounts vary by lender.
Check into Cash Loans
Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.
- Min. Loan Amount: $50
- Loan Term: Varies by state
- Turnaround Time: 1–2 business days
- Total Costs: Varies depending on the amount and your state of residency.
- Must be 18+
- No security needed
- Confidential and secure!
