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Compare sites like OppLoans

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

Editor's choice: Fast5kLoans Short-term Loans Connection Service

Fast5kLoans Short-term Loans Connection Service logo
  • Wide range of loan amounts
  • Variety of loan terms
  • Quick process
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OppLoans is an online lender that offers installment loans, title loans and personal loans. Its rates range from 59% to 160% with terms from 9 to 24 months. But its minimum income requirements and limited state availability mean it’s not available to everyone. Even if you can qualify, compare these alternatives to make sure you choose the best fit.

Our top 5 picks for lenders like OppLoans

Check Into Cash Payday Loan

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.
Pros
  • Low minimum loan amount of $50
  • Same-day turnaround if you apply in person
Cons
  • APR can be more than 153.73% depending on your state
  • Must be 21 to apply
  • Not available in every state
Loan amountVaries by state
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

ACE Cash Express Short-term Loans

ACE Cash Express Short-term Loans

3.6 / 5 ★★★★★

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on ACE Cash Express's secure site
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.
Pros
  • 72-hour guarantee allows you to pay back loan in 72 hours for no extra money
  • Instant decision on loan status
  • No prepayment penalty
Cons
  • 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

Fast5kLoans Short-term Loans Connection Service

Fast5kLoans Short-term Loans Connection Service

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on Fast5kLoans's secure site
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.
Pros
  • Offers loans as low as $100
  • Connect with a lender in 5 minutes
Cons
  • 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

Best for applying in person: Check City Payday Loan

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.
Pros
  • Same-day turnaround if you apply in person
  • UCLA and CFSA member
Cons
  • 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

Best for loans loaded on a debit card: Check ‘n Go Payday Loans

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).
Pros
  • Offers loans on prepaid debit cards
  • Same-day funding if you apply in person
  • In business 22 years
Cons
  • 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

Other alternatives to OppLoans

For more alternatives to OppLoans, compare our top short-term loan picks and read more about short-term lending so you can make an informed decision before you borrow.

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