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.

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.

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.

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.

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.

While it's not a loan like Lendly, Chime SpotMe is an optional feature for Chime account holders that can prevent overdraft fees. With Chime SpotMe, users can overdraw their accounts between $20 and $200 for debit card purchases and ATM withdrawals — without incurring any fees.

To qualify, you must have received a qualifying direct deposit of $200 or more into your Chime account within the last 34 days. However, not everyone will qualify for SpotMe's maximum amount of $200, and certain expenses, like bill payments, aren't covered.

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 $14.99 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.

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.

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.

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.