OppLoans Alternatives & Similar Sites



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


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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 and require fast small loans.

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 loans 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.

Consider these sites if you are willing to apply on the web:


There are many loans similar to 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. There are two options: you can either request a short-term loan for up to 30 days but the maximum loan amount is $255. 

LendUp loans

Also, you may ask for an installment loan of up to $1,000 and the repayment period is up to 12 months. 

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.


  • The ability to get bad credit loans like Opp loans;
  • 24/7 support chat with customers;
  • High level of security for customers’ data.


  • The loan company uses 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 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 lending companies that provide their customers with payday loans. They provide financially-troubled customers with loans to release them from their funds shortage.

The availability of 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 a fee worth $17.50 depending on the 214.13% APR.


CashNetUSA is among the other lenders like OppLoans. Generally, CashNetUSA offers payday 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 CashNetUsa

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 the times when you have an emergency.


  • Customers can get qualified for loans with no credit history or with credit in poor condition;
  • The waiting period on 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. Among a variety of loan types: sameday, payday, 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 FICO score. They base their loan decision on other loan 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.

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

RiseCredit loans

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 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 American cannot expect the same loan fees, interests and repayment periods. 

These loan features depend on the customer’s living area. Before applying for a loan, 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 the lending solutions over the phone, on the web, or in person. 

So, if you need a quick decision or want to save your 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. 

SpeedyCash allows you to obtain the funds on your prepaid card or deposit them in the bank account.

SpeedyCash loan

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


  • No penalty for early loan repayment;
  • Quick funds;
  • Ability to apply from computer or smartphone.


  • 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 and 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. There is no reason to explain yourself when you need a loan. 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 maximum 36%. So, be sure to compare APR from various lenders.


This company also offers quick financial solutions to consumers across the USA. It has variable terms and repayment plans to select from. 

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.

Spot Loan

On the other hand, you can receive only 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 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 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 little 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 loan amount at loan companies like Opploans.

Loans 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 with the most suitable lenders available in your state. Here you can receive small personal loans, unsecured installment loans, and even payday loans for a couple of weeks.

Personal Loans


PersonalLoans.com 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 of up to $35,000 for various needs and unpredicted expenses.


  • 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%

PersonalLoans.com offers similar 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 application 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 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.

Cash Advance

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 high credit score;
  • Variety of lender provide their service at 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;
  • Interest rate is higher than with other lenders.

APR - 782% to 1564%.

A company, 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 payday 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, though, depends on your credit score. The lower the credit score is, the higher the interest rate.

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 if those have bad credit. This is not the case with conventional banks.

That's why bad credit owners have been applying for loans with websites like Opploans.

The feature to get bad credit loans is highly beneficial, as even if the borrower has the 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 is higher than that for good credit borrowers.

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


The comparative review above is aimed to inform borrowers about the options they have concerning lending institutions online, loan types and interest rates available.

If borrowers look at quick reviews closely, they can see that lending places like Opploans provide their customers with most advantageous options like 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. You can review them and compare terms to opt for the most affordable service.


What kind of loan are Opploans?

Opploans is a short-term loans that can be used for emergency expenses. The loan is typically due within two weeks, and the borrower is responsible for repaying the entire loan amount plus interest and fees. Opploans do not require a credit check, and the application process is simple and fast. However, borrowers should be aware that Opploans has high-interest rates and fees, which can make it difficult to repay the loan. For this reason, it is important to only use Opploans as a last resort. If you are considering taking out Opploans, be sure to shop around and compare offers from multiple lenders before choosing one.

How much can you borrow from Opploans?

You can borrow anywhere from $500 to $5000 from Opploans, and repayment terms vary from 6 to 36 months. You can check your rate without affecting your credit score, and there are no origination fees or prepayment penalties. Best of all, you can get your money as fast as the next business day if you’re approved. So if you’re in a tight spot and need cash fast, Opploans is definitely worth considering.

Is Opploans a direct lender?

Opploans is a direct lender that offers short-term personal loans to qualified borrowers. The company is based in Chicago, Illinois, and was founded in 2010. Opploans is a member of the Online Lenders Alliance (OLA) and is dedicated to providing best-in-class customer service. The company offers loans of up to $5,000 with APRs ranging from 9% to 36%. Opploans is committed to responsible lending practices and offers free financial education resources on its website. In addition, the company has an A+ rating from the Better Business Bureau. To learn more about Opploans and to see if you qualify for a loan, visit the website today.

Can I have two loans with opploans?

Yes, you can have two loans with Opploans at the same time. However, we recommend that you only take out one loan at a time and repay it before taking out another. This will help you avoid getting into debt and will also save you money on interest. If you do decide to take out two loans, be sure to keep track of both so that you can make your payments on time and avoid defaulting on either loan.

How long does it take to get a loan from opploans?

It typically takes one business day to get a loan from OppLoans. However, the entire process can take up to five business days. The time it takes to receive your loan will depend on the type of loan you choose, as well as your individual financial situation. For example, if you opt for a long-term loan, it will take longer to receive the funds than if you choose a short-term loan. Similarly, if you have good credit, the process will be quicker than if you have bad credit. Ultimately, OppLoans works hard to get you the money you need as quickly as possible.

2 thoughts on “OppLoans Alternatives & Similar Sites”

  1. Great article. My question is if I can really apply to these services even with low credit? Do the terms and rates differ for good and bad credit holders?

    1. Hello. As you can see from the article, these service providers accept applications from almost every borrower. This is one of the top benefits of turning to such online creditors. Don’t worry if your rating is less-than-stellar as you may still get approved for the loan. However, you need to understand that you take responsibility for debt repayment and should calculate the total amount together with the interest. The rates for low credit holders will be higher as lenders risk losing their funds.

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