OppLoans offers loans of $500 to $5,000 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.
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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 $1,500 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 $1,500 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!
