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Compare 11 sites like Spotloan

Lenders with larger amounts, wider availability and more.

Aliyyah Camp

Updated Apr 27, 2020

Fact checked

Spotloan offersinstallment loans $300 to $800. It get you your funds as soon as the next day. But it doesn’t report repayments to credit bureaus and it might not be the best option if you want to improve your credit. See how it stacks up to the competition by comparing sites like Spotloan.

Alternative sites like Spotloan

Services for payday loans

1. OppLoans

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 24 months, with no prepayment penalties.

Cons

High interest rates vary starting from 59% to 199%.
Limited availability by state.

Go to site

2. 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.

3. 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.

Go to site

4. Swift

Swift 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.

Learn more

5. 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.

Go to site

6. 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.

Learn more

7. 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.

Read review

8. CashAdvance.com

CashAdvance.com is a loan-connection service that provides you with the best lender for your financial needs and credit score.

Pros

Offers cash loans.
Loan term of up to 1 month.
Turnaround time of one to two business days.

Cons

APR varies starting from 15% to 1,564%.
Fees vary by lender.

Go to site

9. 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.

Go to site

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.

Learn more

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.

Learn more

MUST READ:

The Consumer Financial Protection Bureau (CFPB) no longer requires lenders to consider your ability to repay a loan. This could put you at risk of getting caught in a cycle of debt. Carefully review your finances and the loan cost to make sure it fits your budget.

Before you take out a short-term loan

Payday loans, installment loans and auto title loans come with high rates and fees which can trap you in a cycle of debt. Borrowers may find themselves taking out a second or third loan because they couldn't pay back the first one on time.

Consider alternatives before opting for a short-term loan:

Local resources. Government agencies, nonprofits and local charities often offer free financial services and help with food, utilities and rent for those in need.
Payment extensions. Talk with your bill providers about a longer payment plan or extension on your due date if you're behind on payments.
Side jobs. Today's digital marketplace offers the ability to more easily sell unwanted items, sign up for food delivery or drive for rideshare services.

How does Spotloan stack up?

Here are the main benefits and drawbacks of borrowing from Spotloan.

Spotloan pros

Variable repayment plans.
Easy online application.
Money available the next day if you apply by 5 p.m. ET.

Spotloan cons

Offers loans from $300 to $800 only.
APR and fees depend on the terms you qualify for.

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

Thank you for your feedback!

Aliyyah Camp

Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors.

Compare sites like Check City Compare sites like OppLoans

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2 Responses

LoriJune 9, 2019

I would like to borrow $600 without paying it back for say 5-6 months.

Reply
- finder Customer Care
  
  JeniJune 10, 2019Staff
  
  Hi Lori,
  
  Thank you for getting in touch with Finder.
  
  I’m afraid that we do not have list of providers that would let you borrow $600 without paying back for a few months. Basically, short-term loans should be paid on a certain repayment frequency like weekly, fortnightly or monthly. I suggest that you get in touch with your chosen lender to know if your request is possible.
  
  I hope this helps.
  
  Thank you and have a wonderful day!
  
  Cheers,
  Jeni
  
  Reply

Compare 11 sites like Spotloan

Lenders with larger amounts, wider availability and more.

Cash Loan Guides

Cash Lenders

Loans By State

Services for payday loans

1. OppLoans

Pros

Cons

2. LendUp

Pros

Cons

3. Check Into Cash

Pros

Cons

4. Swift

Pros

Cons

5. ACE Cash Express

Pros

Cons

6. Cash Central

Pros

Cons

7. CashNetUSA

Pros

Cons

8. CashAdvance.com

Pros

Cons

9. Check City

Pros

Cons

10. Check ‘n’ Go

Pros

Cons

11. Triangle Cash

Pros

Cons

How does Spotloan stack up?

Spotloan pros

Spotloan cons

Aliyyah Camp

More guides on Finder

Ask an Expert

2 Responses

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