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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 like OppLoans 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 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 like OppLoans doesn’t work in many states so you need to check this information before you decide to apply.



APR - 70.6% to 1251.43%

In a nutshell, Lend Up is one of lending companies like Opploans that provide their customers with payday loans. Just like Opploans they provide financially-troubled customers with loans to release them from their funds shortage.

The availability of loan amounts 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.



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 like Opploans.

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, as well as lenders like Opploans, 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 like OppLoans 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.



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 like Opploans 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.



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 like Opploans, 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.



APR – Up to 490%

Spot Loans provides lending services similar to 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 amounts at loan places 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. 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.



APR – 5.99% to 35.99% 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 like OppLoans? CashAdvance is another useful service that is ready to suit your financial needs and provide professional assistance.

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 figure depends solely on each lender. All the APRs, interest rates, and other terms can be discussed with the creditor itself.



APR - 782% to 1564%.

A company, originated in 1997, has created a website like Opploans 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 like Opploans 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 like Opploans 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 rate 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.

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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