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Loans like OppLoans

These lenders offer similar loan amounts and terms — and might be a better choice for you.

OppLoans is an online lender that offers installment loans, title loans and personal loans. Its rates range from 59% to 160% with terms from 6 to 18 months.

However, its minimum income requirements vary by state, and it’s not available everywhere — so it may not be the ideal choice for everyone. Luckily, there are many other loans like OppLoans. Check out these other sites similar to OppLoans to choose the right lender for your situation.

Our top 6 picks for loans like OppLoans

Alternative for when you can repay in a few days

ACE Cash Express Short-term Loans

3.6 / 5 ★★★★★

Ace Cash Express is an online and storefront lender that offers payday loans, title loans and installment loans. It's been around for over 40 years and offers online and in person applications. Like most short-term lenders, its products come with high APRs. But if you can repay the loan within 72 hours, those rates and fees don't apply.
  • Only available in: California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Texas
  • 72-hour guarantee allows you to pay back loan in 72 hours for no extra money
  • Instant decision on loan status
  • No prepayment penalty
  • High rates and fees that vary by state
  • Not all products available in each state
  • Not a direct lender in all state
Loan amount$100 - $5,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

Alternative for comparing offers

Fast5kLoans Short-term Loans Connection Service

3.5 / 5 ★★★★★

Fast5KLoans is an online connection service that works with lender that offer a wide range of loan amounts and terms. It's a quick way to compare offers. But some of its partners might run a credit check when you submit your information to compare providers. Avoid using this service if you plan to apply for another type of financing within the next few months.
  • Not available in: Arkansas, New York, Vermont, West Virginia
  • Offers loans as low as $100
  • Connect with a lender in 5 minutes
  • Requires bank account
  • Applying could impact credit
Loan amount$100 - $35,000
Interest rate typeFixed
Loan Term6 months to 6 years
Turnaround timeAs soon as the next business day

Alternative for low minimum loan amounts

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Check Into Cash is a lender that offers payday and installment loans. Its loans start at a low $50, which helps you avoid over borrowing if you need to cover an expense under $100. You can apply online and get your funds within 48 hours. Or visit a location to get your loan the same day.
  • 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
  • Low minimum loan amount of $50
  • Same-day turnaround if you apply in person
  • APR can be more than 153.73% depending on your state
  • Must be 21 to apply
  • Not available in every state
Loan amount$50 - $1,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

Alternative for getting a loan with other financial services

Check City Payday Loan

4.3 / 5 ★★★★★

This short-term lender offers payday, installment and auto title loans online and additional services like prepaid debit cards at its storefront locations. It's also a member of trade organizations that set standards for the industry like Community Financial Services Association of America (CFSA) and the Utah Consumer Lending Association (UCLA). But its fees can reach $20 per $100 borrowed — high, even compared to other payday lenders.
  • Available in: Alabama, Alaska, California, Colorado, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, North Dakota, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
  • Same-day turnaround if you apply in person
  • UCLA and CFSA member
  • Not all products available online
  • Fees as high as $20 per $100 borrowed
Loan amountDepends on state of residency
Interest rate typeVariable
Loan TermVaries by state
Turnaround timeSame business day to 1 business days

Alternative for loans loaded on a debit card

Check 'n Go Payday Loans

Check 'n' Go has been around for 22 years, offering payday and installment loans in the states it serves. It's one of a few lenders that will load your loan onto a prepaid Mastercard, which you swipe at the store or online as needed. But like other short-term loans it's not cheap — and it charges a service fee. And customers have filed a high number of complaints against it with the Better Business Bureau (BBB).
  • Available in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont
  • Offers loans on prepaid debit cards
  • Same-day funding if you apply in person
  • In business 22 years
  • Charges service fee
  • High volume of customer complaints
Loan amount$100 - $1,500
Interest rate typeVariable
Loan TermVaries upon state
Turnaround timeAs soon as the same day

Alternative for in-store services

Speedy Cash Short-term Loans

4.45 / 5 ★★★★★

OppLoans is exclusively an online lender, so for borrowers that prefer that in-person experience, Speedy Cash might be the route to take. Speedy Cash offers payday loans and a few other loan types, serves 27 states and has 162 locations. It has an A+ rating on BBB (though not accredited) and a 4.6-star rating on Trustpilot. Minimum loan amounts start at $50 and the max is $50, and same-day funding is available.
  • Available in: Alabama, Alaska, Arizona, California, Colorado, Delaware, Hawaii, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, Nevada, North Dakota, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming
  • 50+ locations
  • Positive customer reviews
  • Same-day funding available
  • Apply online, phone or in store
  • Upfront on fees and APRs
  • Not BBB accredited
  • Low customer rating on BBB
  • Locations limited to 15 states
Loan amount$50 - $26,000
Interest rate typeFixed
Loan TermVaries
Turnaround time1 day

How does OppLoans compare?

OppLoans is Better Business Bureau (BBB) accredited with an A+ rating, with stellar customer reviews on BBB and Trustpilot. It’s known for its simple and quick application process, and it’s available in most US states.


  • APR capped at 160%
  • Available in most states
  • No prepayment penalties
  • Quick application
  • May get funds after one business day


  • Minimum income requirement varies by state
  • Income must be direct deposit
  • Max loan amount low at $4,000

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