CreditCube is an online lender that specializes in short-term installment loans to cover emergency expenses. The company’s accessible requirements may appeal to applicants with less-than-perfect credit, but high APRs make it an expensive form of borrowing.
Thankfully, several alternatives are available — whether you’re looking for lower rates, a longer repayment term, a better reputation or higher loan limits. Keep reading to discover six of the best loans like CreditCube.
Like CreditCube, OppLoans provides short-term installment loans that provide cash quickly so you can cover emergency expenses. OppLoans doesn't require a minimum credit score, which makes it a viable option for those with bad credit.
Though there are many similarities between CreditCube and OppLoans, one major difference is their APRs. The APR CreditCube offers to first-time borrowers is 779.97%, while OppLoans ranges from 160% to 179%. This difference in rates can save you a considerable amount in interest over the life of the loan.
Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, West Virginia
Pros
No minimum credit score required
Easy online application
Borrowers receive funds quickly, as fast as the next business day
Reports to the three main credit bureaus to help you rebuild your credit
Upstart and CreditCube both follow nontraditional underwriting methods and work with borrowers who have bad credit, but that's where the similarities end. One of the biggest differences between the two lenders is the size of loan they offer.
For first-time borrowers, CreditCube caps the maximum loan amount at $500, while Upstart personal loans range from $1,000 to $50,000. Upstart also offers much better rates and longer repayment terms than CreditCube; APRs range between 7.8% and 35.99%, with repayment terms of either three or five years.
Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia
Pros
View offers from multiple lenders
Uses alternative criteria to determine eligibility
If you have bad credit and need to borrow money fast but are worried about CreditCube's reputation, another option is available: a personal loan through OneMain Financial. When you compare CreditCube and OneMain Financial in terms of customer reviews and online ratings, you'll discover a huge gap between them.
CreditCube is not accredited by the Better Business Bureau (BBB) and has an F rating on the BBB website. OneMain Financial has an A- rating and has been BBB accredited since 2015. Trends on Trustpilot are similar. CreditCube has a 2.1-star rating, while OneMain Financial has earned an impressive 4.7 out of 5 stars.
Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont
Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.
Pros
Offers flexible repayment terms of 2 to 5 years
Offers secured and unsecured loans
Significantly higher loan amount than CreditCube for first-time borrowers
Loans can be received in as little as one business day
CreditCube isn't authorized to operate in nine states: Connecticut, Georgia, Illinois, Minnesota, New York, Pennsylvania, Vermont, Virginia or West Virginia. If you live in one of these states and need a loan, consider Bankrate as a possible alternative.
Bankrate is a loan marketplace that's available to residents of all 50 states. Through Bankrate, you can compare multiple loan offers without dinging your credit score. And because Bankrate works with a wide range of lenders, chances are you'll find an offer even if you have less-than-stellar credit.
Available in all states
Pros
Lower rates than CreditCube
Allows you to compare offers from multiple lenders
Check loan offers without damaging your credit
Borrowers with poor credit may qualify
Flexible repayment terms from two to 12 years
High loan limit of $100,000
Provides a wide array of financial education tools and resources
Cons
Not a direct lender
Low marks on Trustpilot
Funding can take up to seven business days, depending on the lender
As a short-term lender, CreditCube requires you to pay back your loan fairly quickly. If you need more time to repay, consider taking out a personal loan through Credible. Credible is an online loan marketplace that works with many lenders, offering repayment terms ranging from one to seven years.
Credible also offers much lower interest rates than CreditCube. Credible's APRs range from 4.6% for well-qualified borrowers to 35.99% for fair credit borrowers. That's a lot lower than the 259.94% to 779.97% rates offered by CreditCube, saving you a lot of money over the life of the loan.
Available in all states
Pros
See offers without harming your credit score
Competitive APRs, lower than CreditCube
Flexible repayment terms of one to seven years
High max borrowing limit
Cons
Not a direct lender
Fees vary by lender
It can take several business days to receive funds
Credible may have stricter requirements for lending compared to CreditCube
Dave is a cash advance app that allows users to borrow up to $500 without requiring a credit check. While Dave charges a small subscription fee, it doesn't charge interest on your cash advance, which saves you money over CreditCube.
Dave also doesn't charge any fees if your payment is a little late, making it a good alternative to CreditCube. But it could take up to three business days to receive your money from Dave. If you want instant access to funds, you'll pay an additional fee.
CreditCube is an online lender that’s owned and operated by the Big Valley Band of Pomo Indians. It caters mostly to borrowers with poor credit, providing short-term installment loans to help cover emergency expenses. Here’s an overview of the pros and cons of borrowing from CreditCube.
Pros
Easy application process with quick loan decision
Requirements are easy to meet compared to traditional lenders
You have three days to change your mind and cancel your loan
Fast loan disbursement in as little as one business day
Loyalty program rewards you with lower APRs and higher borrowing limits
No penalty for paying your loan off early
Cons
High APRs that reach up to 779.97% for first-time customers
Low loan limit of $500 for first-time borrowers
Not available to residents of Connecticut, Georgia, Illinois, Minnesota, New York, Pennsylvania, Vermont, Virginia or West Virginia
Not available to active military service members or their dependents
Fees apply for late payments and insufficient funds
Better Business Bureau rating of F with numerous complaints
Christi Gorbett is a freelance writer with more than eight years of experience and a master's degree in English. She’s created a wide range of content for banks, financial product comparison sites, and marketing companies on topics like small business loans, credit cards, mortgages, retirement planning, lender reviews, and more.
As a former teacher, Christi excels at making complex financial topics accessible and easy to understand. Her interest in finance grew when she returned to the U.S. after living in South Korea for nearly a decade.
This shift was driven by several personal financial challenges: rebuilding her financial base after the move home, starting her own business, and catching up on retirement savings. These experiences deepened Christi’s practical understanding of finance and intensified her interest in the field. See full bio
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