Loans like Lendly

Cleo is an AI-powered budgeting and cash advance app, offering 0% interest cash advances up to $250 per pay period. While its advances are handy, Cleo's strength lies in its ability to help you budget and save money. Set targets based on your income and spending habits, and its quirky AI assistant will help you stay on track.

And unlike other cash advance apps, you don't need recurring direct deposits or W-2s to qualify for cash advances with Cleo. With its combination of cash advances, budgeting, round-up saving and credit-building tools – Cleo is ideal for anyone who wants to take greater control of their finances.

• Available in all states

• Why we like it

  Cleo is an AI-powered budgeting and cash advance app, offering 0% interest cash advances up to $250 per pay period. While its advances are handy, Cleo's strength lies in its ability to help you budget and save money. Set targets based on your income and spending habits, and its quirky AI assistant will help you stay on track.

  And unlike other cash advance apps, you don't need recurring direct deposits or W-2s to qualify for cash advances with Cleo. With its combination of cash advances, budgeting, round-up saving and credit-building tools – Cleo is ideal for anyone who wants to take greater control of their finances.

• Pros and cons

  Pros

  • No credit check
  • No interest or financing fees
  • Recurring deposits not required
  • Cleo Credit Builder Card available

  Cons

  • Maximum cash advance is $250
  • Monthly membership fee to access advances
  • 3 to 4 business turnaround for regular transfers
  • Not everyone will qualify for the maximum advance

• More details

  APR	0%
  Loan amount	Up to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

Best Egg is a lender best known for its customer service, quick application process and fast funding – often within one business day. It offers both unsecured and secured loans starting at $2,000, although unlike Lendly, you'll need fair to good credit to qualify.

You can prequalify in minutes with just a soft credit check to see offers without impacting your credit. Best Egg gets exceptionally high customer reviews on the Better Business Bureau website, but an origination fee applies to its loans.

• Not available in: Iowa, Vermont, West Virginia

• Why we like it

  Best Egg is a lender best known for its customer service, quick application process and fast funding – often within one business day. It offers both unsecured and secured loans starting at $2,000, although unlike Lendly, you'll need fair to good credit to qualify.

  You can prequalify in minutes with just a soft credit check to see offers without impacting your credit. Best Egg gets exceptionally high customer reviews on the Better Business Bureau website, but an origination fee applies to its loans.

• Pros and cons

  Pros

  • Offers both secured and unsecured loans
  • Discounts may be available on certain loan types
  • No prepayment penalties

  Cons

  • Charges an origination fee
  • Harder to qualify if you're self-employed
  • Loan maximums vary by state
  • Not available in all states

• More details

  Loan amount	$2,000 to $50,000
  APR	7.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as the next business day
  Loan Term	3 to 5 years

• Partner terms and conditions

  *Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc.
  
  The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001.
  
  For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL–Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/

Upstart is a holistic personal loan lender that considers more than just your credit score. For example, it considers your education, grades, and even job offer letters when making a lending decision. Unlike most lenders, it may accept scores as low as 300, as long as you meet its other criteria.

This may make it easier for some borrowers to qualify for a loan – including those who've just graduated from school. To qualify, you have to make at least $12,000 per year or have a job offer letter with a start date within six months. If approved, you could have funds in as little as one business day.

• Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

• Why we like it

  Upstart is a holistic personal loan lender that considers more than just your credit score. For example, it considers your education, grades, and even job offer letters when making a lending decision. Unlike most lenders, it may accept scores as low as 300, as long as you meet its other criteria.

  This may make it easier for some borrowers to qualify for a loan – including those who've just graduated from school. To qualify, you have to make at least $12,000 per year or have a job offer letter with a start date within six months. If approved, you could have funds in as little as one business day.

• Pros and cons

  Pros

  • Bad credit OK
  • Job offer letters may qualify you for a loan
  • No prepayment penalty

  Cons

  • Origination fee up to 12%
  • Only two terms to choose from
  • Charges late fees

• More details

  Loan amount	$1,000 to $50,000
  APR	6.7% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the same day
  Loan Term	36 or 60 months

OneMain Financial offers personal loans to bad to fair credit borrowers. It doesn't have any hard-and-fast credit requirements, and it's one of the few lenders that lets you use collateral to help secure your loan. And it's fast – you could be funded the same day you're approved.

While it's less strict than other lenders, OneMain has a high starting rate of 18% APR. But its rates are capped at 35.99%, which is cheaper than a payday loan or what Lendly charges. But if you have good credit, you can likely find a better rate elsewhere.

• Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

• Why we like it

  OneMain Financial offers personal loans to bad to fair credit borrowers. It doesn't have any hard-and-fast credit requirements, and it's one of the few lenders that lets you use collateral to help secure your loan. And it's fast – you could be funded the same day you're approved.

  While it's less strict than other lenders, OneMain has a high starting rate of 18% APR. But its rates are capped at 35.99%, which is cheaper than a payday loan or what Lendly charges. But if you have good credit, you can likely find a better rate elsewhere.

• Pros and cons

  Pros

  • Apply with bad credit
  • Fast turnaround funding
  • Secured and unsecured options

  Cons

  • High APR for a personal loan
  • High origination, returned payment and late fees
  • May require collateral

• More details

  Loan amount	$1,500 to $20,000
  APR	18% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24, 36, 48 or 60 months

• Partner terms and conditions

  <sub>* OneMain Disclosures:
  
  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.</sub>

EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there are no interest or financing fees to use Cash Outs.

To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account. Regular transfers are available in one to three business days or in minutes for a fee.

• Not available in: Connecticut

• Why we like it

  EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there are no interest or financing fees to use Cash Outs.

  To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account. Regular transfers are available in one to three business days or in minutes for a fee.

• Pros and cons

  Pros

  • No credit check required
  • No interest or mandatory tipping
  • Free credit score tracking included

  Cons

  • Verification of employment earnings required
  • Same-day (Lightning) transfers attract a fee
  • Can only qualify with employment income
  • Not ideal for gig workers

• More details

  APR	0%
  Loan amount	Up to $150/day, with a max of $750 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1 to 3 business days or within minutes for a fee starting at $2.99 per transfer

• Partner terms and conditions

  EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.

Albert is a financial app that offers interest-free cash advances up to $250 through its Albert Instant service. But what sets Albert apart is its Genius service, which utilizes AI and human expertise to offer financial advice and help in creating customized investment portfolios tailored to your goals.

But whether you want Albert cash advances or the Genius advice, you must sign up for a Genius subscription, which costs $11.99 a month — although it has a discounted annual subscription. However, you get a 30-day free trial of Genius when you sign up for Albert, so you can test-run the features before committing.

• Available in all states

• Why we like it

  Albert is a financial app that offers interest-free cash advances up to $250 through its Albert Instant service. But what sets Albert apart is its Genius service, which utilizes AI and human expertise to offer financial advice and help in creating customized investment portfolios tailored to your goals.

  But whether you want Albert cash advances or the Genius advice, you must sign up for a Genius subscription, which costs $11.99 a month — although it has a discounted annual subscription. However, you get a 30-day free trial of Genius when you sign up for Albert, so you can test-run the features before committing.

• Pros and cons

  Pros

  • Offers customized investment help
  • Free 30-day trial of Genius when you sign up
  • No late fees or inactivity fees

  Cons

  • Genius subscription required for cash advances
  • No customer service phone number
  • Instant transfer fees not clear

• More details

  Loan amount	$25 to $250
  Loan Term	Within 6 days of overdraft, with possible 7-day extension
  Turnaround time	Instant

Credible is a free lending connection service that helps you quickly compare personal loans from its 14 partners, including lenders that work with bad credit. You can apply with just a soft credit check and view which lenders are willing to work with you without impacting your credit.

While its number of partners is less than some other marketplaces, it doesn't sell your data so you don't have to worry about being spammed. Customers like it for its streamlined application process and the ability to compare multiple lenders with a single form.

• Available in all states

• Why we like it

  Credible is a free lending connection service that helps you quickly compare personal loans from its 14 partners, including lenders that work with bad credit. You can apply with just a soft credit check and view which lenders are willing to work with you without impacting your credit.

  While its number of partners is less than some other marketplaces, it doesn't sell your data so you don't have to worry about being spammed. Customers like it for its streamlined application process and the ability to compare multiple lenders with a single form.

• Pros and cons

  Pros

  • Bad credit ok
  • Cosigned loans available
  • Low minimum amount of $1,000

  Cons

  • Not a direct lender
  • Only 14 personal loan partners
  • Some complaints around customer service

• More details

  Loan amount	$1,000 to $200,000
  APR	6.94% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Fair to excellent credit
  Turnaround Time	As soon as 1 business day
  Loan Term	Varies by lender

• Partner terms and conditions

  Rates for personal loans provided by lenders on the Credible platform range between 6.94% - 35.99% APR with terms from 12 to 120 months. Credible also works with network Partners like MoneyLion, AmONE, Alternative Providers, and non-lender providers who offer loan and other products with different rates and terms than described here. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties

If you often need to borrow more than what most cash advance apps offer, MoneyLion Instacash could work for you. It allows users to borrow up to $500 between paydays, and this can potentially be increased to $700 or even $1,000 per pay period by meeting certain criteria.

For example, to access $700, you need to open a Credit Builder account, which costs Free (or $1 to $5 for RoarMoney account) a month. But if you're willing to open a MoneyLion RoarMoney account and set up direct deposit, you can get paid two days early and access up to $1,000 per pay period — and this option is free. But watch out for high instant transfer fees, especially if you borrow more than $100.

• Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming

• Why we like it

  If you often need to borrow more than what most cash advance apps offer, MoneyLion Instacash could work for you. It allows users to borrow up to $500 between paydays, and this can potentially be increased to $700 or even $1,000 per pay period by meeting certain criteria.

  For example, to access $700, you need to open a Credit Builder account, which costs Free (or $1 to $5 for RoarMoney account) a month. But if you're willing to open a MoneyLion RoarMoney account and set up direct deposit, you can get paid two days early and access up to $1,000 per pay period — and this option is free. But watch out for high instant transfer fees, especially if you borrow more than $100.

• Pros and cons

  Pros

  • No credit check required
  • No monthly fees or interest charges
  • Can defer payments up to two weeks

  Cons

  • Instant delivery costs between $1.99 and $8.99
  • Instant transfer fees can add up quickly
  • A pattern of customer complaints

• More details

  Loan amount	Up to $500 or $1,000 with RoarMoney account
  Loan Term	Due by your next pay date
  Turnaround time	Up to 5 days or instant for a fee of $0.49 to $8.99

Similar to Lendly, Possible Finance is a payday loan alternative that offers no-credit-check loans that you pay back in installments with interest — but without any late fees or penalties. Through its app, you can borrow up to $500 instantly with APRs comparable to Lendly's.

However, when it comes to building credit and payment extensions, Possible Finance wins over Lendly. Possible Finance reports on-time payments to all three credit bureaus, while Lendly only reports to one. Possible also lets you extend your payment date, while Lendly doesn't.

• Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington

• Why we like it

  Similar to Lendly, Possible Finance is a payday loan alternative that offers no-credit-check loans that you pay back in installments with interest — but without any late fees or penalties. Through its app, you can borrow up to $500 instantly with APRs comparable to Lendly's.

  However, when it comes to building credit and payment extensions, Possible Finance wins over Lendly. Possible Finance reports on-time payments to all three credit bureaus, while Lendly only reports to one. Possible also lets you extend your payment date, while Lendly doesn't.

• Pros and cons

  Pros

  • No late fees or additional interest on late payments
  • You can adjust due date in the app
  • Reports payment to all three credit bureaus

  Cons

  • APRs can run high
  • Loan fees differ based on state
  • Slightly lower BBB rating than competitors

• More details

  Loan amount	$50 - $500
  Interest rate type	Fixed
  Loan Term	2 to 8 weeks
  Turnaround time	As fast as 1 business day