Loans Like Opploans & Similar Lending Companies (2024)

OppLoans is a popular American lending company that has been around for over 10 years.

Since its launch in 2010, this service has gained popularity and a great reputation among consumers for its dedication and willingness to help every borrower reach financial goals and get out of temporary emergencies.

This is a useful website for those who seek trustworthy financial help, loans no credit check near me, and require fast small loans.

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Apart from this company, there are several OppLoans alternatives that work just as great and are suitable for American consumers who want to have more choices.

If you are having a monetary shortfall at the moment and need to search for 300 dollar loan no credit check similar to OppLoans, the following reviews can help you a lot.

Our reviews are unbiased and independent so that every consumer can make a wise decision.

Loans Like Opploans & Similar Lending Companies (1)


There are many loans like OppLoans available for American borrowers these days, and LendUp is one of them.

It is a licensed direct lender that is aimed at helping people get loans even with bad credit, unlike thebest payday loans online California that require a good score. There are two options: you can either request a short-term loan for up to 30 days, but the maximum loan amount is $255.

Loans Like Opploans & Similar Lending Companies (2)

Also, you may ask for an installment loan of up to $1,000, and the repayment period is up to 12 months. That means your loan payments will be equally distributed within the loan term.

Depending on your personal financial needs, you can make your own choice. However, this website doesn’t work in many states, so you need to check this information before you decide to apply. They also do not tolerate late payments. Always read the fine print before you apply because all rights reserved belong to the lender.


  • The ability to get bad credit loans like Opploans no credit check;
  • 24/7 support chat with customers;
  • High level of security for customers’ data.
  • Flexible loan term


  • The loan company uses the Veritec service to determine customers’ eligibility for certain loan amounts. If your credit history isn’t good enough, your application won’t be approved for a big loan amount;
  • The waiting period to apply for a new loan after the last one is four days;
  • Same Day money transfer loans are unavailable for the time being;
  • If the customer lacks funds to make a down payment, Lend Up will charge $15 for the late payment.

APR – 70.6% to 1251.43%

In a nutshell, Lend Up is one of the lending companies that provide their customers with installment loans. They provide financially-troubled customers with loans to release them from their funds shortage.

The availability of a loan amount is somehow limited as customers that don’t have the perfect credit score can’t get qualified for big amounts of money. Also, the company’s business is built on short-terms loans that can cost customers big money. A single loan of $100 (taken out in California) can mount up to a fee worth $17.50, depending on the 214.13% APR.


CashNetUSA is among the other lenders like OppLoans. Generally, CashNetUSA offers title loans, lines of credit, and installment loans for consumers in many states. For instance, you can get up to $1,200 for 35 days in Texas if you deal with this service.

Loans Like Opploans & Similar Lending Companies (3)

However, this company doesn’t work in every state, and the APR may differ between states as well. Turnaround time is usually 24 hours or one business day, which is convenient for times when you have an emergency. The loan term can be a 6-month-long term, and there is no origination fee!


  • Customers can get qualified for loans with no credit history or with credit in poor condition;
  • The waiting period for a cash transfer is short;
  • High approval rate.


  • The interest rate is high;
  • No clear vision of rates and fees. These factors depend on the customers’ location;
  • The service isn’t reachable by customers in all of the states.

Interest Rate – 260% and more

CashNetUSA is one of the web direct lenders like Opp loans. They deliver fast financial solutions to all who seek them, regardless of potential credit difficulties. Among a variety of loan types: same day, student loans, personal loans, customers can also qualify for installment loans.

Speaking about the loan terms, customers’ luck depends on where they live. CashNetUSA has a mobile-friendly website like OppLoans, where you check out the fees depending on your current location.

On the bright side, those creditors at CashNetUSA are willing to look the other way if the customer has a low credit on FICO score. They base their loan decision on other loans like Cashnetusa eligibility factors.


This is one of the best loan places as it is an online lender suitable for consumers who need small or bigger sums with no origination fee or other finance charges.

Loans Like Opploans & Similar Lending Companies (4)

You can request between $500 and $5,000 for various purposes, as the company doesn’t ask why you may need the funds.

Pay attention to the interest rates, as they vary between 50% and 299% depending on your state and other payment conditions.

Find out if this service operates in your state to be able to apply and check other details. Generally, it can be a helpful choice for people who seek unsecured loans.


  • Free online application;
  • Applications allowed with a poor credit score;
  • Unsecured loans;
  • Loan amounts from $500 to $5,000.


  • APR higher than from other alternative lenders;
  • Rather short repayment period.

APR – 36% to 299%

Rise Credit comes from a group of lenders similar to OppLoans. They offer loans that customers can pay back over a period from four to 26 months. However, customers from different states of America cannot expect the same loan fees, interests, and repayment periods.

These loan features depend on the customer’s living area. Before applying for loans like Rise Credit, the customer can visit the Rise Credit website and check the loan terms in his state. If you’re interested, you can also check a lending website in Maryland and see the rates for this state.

Although Rise Credit offers loans for customers with a credit score less than perfect, such loans may come with high interest. So, it’s better to always check loan options beforehand.


One of the top advantages of such lenders similar to OppLoans is that a consumer has the opportunity to apply for lending solutions over the phone, on the web, or in person. They are available in multiple states, including New York and West Virginia.

So, if you need a quick decision or want to save time and receive quick cash as soon as possible, you may request the funds online or via phone from the comfort of your office or home. All you have to do is enter your info, such as full name and email address.

SpeedyCash allows you to obtain the funds on your prepaid card or deposit them in the bank account with zero interest on your credit report.

Loans Like Opploans & Similar Lending Companies (5)

Pay attention to the rates and fees as they can be rather high. For example, you will have to pay 456.25% for a $100 installment loan in Alabama.


  • No penalty for early loan repayment;
  • Quick funds within the following business day;
  • Ability to apply from a computer or smartphone;
  • No credit pull.


  • Relatively high interest percent;
  • Some states demand an entry fee;
  • Loan amounts and types are limited to some categories of customers.

APR – 50% – 299%.

Speedy Cash can boast a high level of reachability to customers as they receive applications via their website if the customer calls on the phone or even at their actual office.

As well as loan agencies, Speedy Cash offers quick cash to customers who urgently need a solution if they’ve run out of money on their credit cards. There is no reason to explain yourself when you need money. There are multiple loan types for various purposes.

Since the National Consumer Law Center states that a profitable loan is the one that has an interest rate of a maximum of 36%. So, be sure to compare APR from various lenders.


This Opploan competitor also offers quick financial solutions to consumers across the USA, following state law. The terms vary, as well as repayment plans to select from. They do not even charge an origination fee or late payment fees. You can also reach customer service online.

A quick and secure application is one of its benefits that allows you to obtain the necessary funds without the hassle and tedious paperwork. Money can be deposited to the borrower’s bank account the next business day, provided that he or she applied by 5 p.m. ET.

Loans Like Opploans & Similar Lending Companies (6)

On the other hand, you can receive a loan amount of between $300 and $800 for your needs. So, if you require a bigger sum, loans like SpotLoan may not be the best solution.


  • Loan amount up to $800;
  • Pre qualification doesn’t affect the customer’s credit score;
  • Ability to spread a big purchase over a couple of months.


  • Limited availability depending on location and credit score;
  • The interest rates are high.

APR – Up to 490%

Spot Loans provides lending services similar to loan companies like Lendly or OppLoans. Customers at Spot Loans can take as little as $300 and as much as $800. This loan amount is possibly designed not to burden customers with big sums to repay, but this leaves few options for those customers that need funds to finance equipment for business or cover huge medical bills. On the upside, customers can easily qualify for big a loan amount at loan companies like OppLoans.

The best online loan provided by Spot Loans are usually short-term ones (up to 10 months). Borrowers can negotiate on a longer repayment period, but the interest will rise as well.

Finally, options to get bad credit loans, similar to OppLoans, are granted here.


Are you searching for quick financial help from loan companies like OppLoans? Here is what Personal Loans service offers you today.

You need to bear in mind that it is not the direct lender but a loan-matching company. It can connect your online application for a personal loan with the most suitable lenders available in your state. Here you can receive small personal loans, unsecured installment loans, and even debt consolidation loans for a couple of weeks.

Loans Like Opploans & Similar Lending Companies (7) offers lending options for a period between 90 days and 72 months, which is rather convenient and flexible. However, the terms and rates depend on each lender and can reach up to 35.99%.

Installment loans can be given up to a $35,000 loan amount for various needs and unpredicted expenses, even with bad credit! You can get your money within one business day and spread out your monthly payments.


  • Loan amount from $1000 to $35,000;
  • Loan terms from 90 days to 72 months;
  • Quick loan approval;
  • 1-day money transfer.


  • Terms for repayment are not common for all lenders;
  • Fees from certain lenders may occur.

APR – 5.99% to 35.99% offers similar personal loans like OppLoans. They are best used when the customer has an emergency. That’s why the features that are valued most by customers of this service are the fast approval, high approval rate, and a great selection of lenders from the Net.

This website is not a direct lender. It simply connects you to lenders who you need to negotiate the loan terms with.

The whole loan process is quick and uncomplicated. This lender’s service is a personal loan company like OppLoans that promises funds to borrowers even if they have a non-perfect credit score. Reviews from customers on these personal loans are available on the website.


Still searching for the best installment loans? CashAdvance is another useful service that is ready to suit your financial needs and provide professional assistance with loans and credit cards.

Loans Like Opploans & Similar Lending Companies (8)

This platform connects consumers with direct creditors to help them find the most suitable lending solution tailored to their needs and preferences. There is no need to send or fax any papers. Everything is conducted on the web, and the application is rather simple.

The company website doesn’t have any information about the interest rates, as this div depends solely on each lender. All the APRs, interest rates, and other terms can be discussed with the creditor itself.


  • Credit is given to people obtaining from low to a high credit score;
  • A variety of lenders provide their service on one website;
  • No fee for entering the loan application process.


  • The borrower has to be currently employed;
  • A minimum of $1000 should be earned by the borrower;
  • The interest rate is higher than with other lenders.

APR – 782% to 1564%.

A company that originated in 1997 has created a website to give borrowers access to quick loans to cover all sorts of money emergencies. Among other loan types, the company deals with credit installment loans, personal loans, and title loans. The borrowers who haven’t had a chance to improve their credit score still have a chance to take out a loan as the service conducts a soft credit check.

The interest rate on your personal loan, though, depends on your credit score. The lower the credit score is, the higher the interest rate.

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What to Look For In Apps Like OppLoans

Opportunity Financial LLC provides borrowers with a bad credit score an opportunity to get an installment loan! This app does not perform credit checks, which means that there are no soft or hard inquiries that may affect your credit score. Apart from installment loans, they also offer title loans, debt consolidation loans, small loans, personal loans, and a cash advance!

Lucky for you, there are quite a few other sites like OppLoans! To find a good loan company, you have to compare different loan offers. A lot of loan companies provide installment loans, but to find the best loan, you must know what to look for!


One of the first things to look into when choosing among installment lenders is different fees. Is there a loan origination fee, or maybe even prepayment fees? Quite a few loan companies charge these, but some of them offer a better deal than others.

For example, loan origination fees might be higher on installment loans with one loan company, but they do not charge membership fees. On the other hand, another lender may have a smaller loan origination fee but has other finance charges. In order to determine which of the loan offers is the best, you have to compare various lending partners and find the average fees. You should also consider the APR range based on your credit score.

Loan Limits

Loan limits are usually determined by loan companies or the State Law. That means you can only get your emergency cash up to a certain loan amount, sometimes depending on your credit score. The state restrictions might help you better manage your monthly payments and make sure you have the ability to repay the loan without late or prepayment penalties.

his way, you can avoid late payments and honor the loan agreement. However, the limits may differ with each lender, so make sure to pick the loan option that suits you best. Make sure to do proper research and look into different small loans.

Turnaround Time

You can easily find a good lender that reports to all three major credit bureaus and does not look into credit scores. However, not every lender will give you loan products instantly. While some offer a quick payout, with others, the process might be longer.

You have to check out multiple lenders and credit unions before you pick one. Is the loan coming the next business day or in a week? Each might offer different payment options and turnarounds, so you have to find the right one for you. It is also important to look into the repayment schedule and a loan term.


To get a loan agreement, you have to go through the approval process first. Every lender has different credit score requirements and other demands you have to meet. To get credit approval, first, you have to apply online and fill out the form.

Usually, you have to enter information like your social security number, driver’s license ID, resident license, NMLS ID, telephone number, and information about your current checking account. Some lenders might not even have the credit score requirement. But, that means you might get a higher interest rate.

A lot of payday loan alternatives will let you get a personal loan or other credit installment loans without looking into your credit history. In that case, you might face a high origination fee. The strict requirements are sometimes there to avoid any money laundering activities.


Whether you are looking for student loans, credit installment loans, or title loans, the best way to get an opinion is to look into the reviews. You can find different ratings on the app itself or online. There are various websites where you can find reviews on particular lenders.

Better yet, you can find comparisons on installment loans, credit score, and repayment terms. A lot of them will also talk about customer support. Do proper research before you opt for a particular loan product.

Bad Credit Loans Like Opploans

Bad credit loans require special attention. The good thing about direct lenders is that they can issue loans to borrowers even with bad credit. This is not the case with conventional banks and credit unions.

That’s why bad credit owners have been applying for loans with websites like OppLoans instead of picking a credit union. Either way, make sure your lender reports to the credit bureaus.

The feature of getting bad credit loans is highly beneficial, as even if the borrower has a FICO score lower than 700, he can be granted a loan to better his financial standing. The borrower, though, has to mind that the interest rates for poor credit owners are higher than that for good credit borrowers.

Although all of the lending institutions above do offer bad credit loan features, the Annual Percentage Rate they issue in such cases may vary greatly.


The comparative review above is aimed at informing borrowers about the options they have concerning lending institutions online, loan types, and interest rates available. Even if you have bad credit, there are still lots of options. But always make sure to look into the advertiser disclosure.

If borrowers look at quick reviews closely, they can see that lending places like OppLoans provide their customers with the most advantageous options, like a high approval rate, quick awarding of funds on the banking account, and a wide selection of other features from various lenders online. The only task that borrowers should do is to choose the best-fitting option for their wallets.

All in all, there are many alternatives and other websites similar to OppLoans, for instance, loans like oneblinc or loans like monto money. You can review them and compare terms to opt for the most affordable service.

Loans Like Opploans & Similar Lending Companies (2024)
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