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Need Emergency Loans? 5 Best Apps That Offer Loans Like OppLoans

Tired of complicated loan financing? Need an urgent source for a loan with easy steps, without lengthy eligibility requirements or paperwork? Well, finding equally good alternatives to OppLoans that can solve all your financial problems can be challenging. But you’ve come to the right place. In this article, we will discuss the best alternative to OppLoans and similar websites.

Before we delve into the alternatives, let’s provide a brief introduction to what OppLoans really is.

OppLoans is one of the leading companies that offer fast loans and excellent customer service. It has received highly positive reviews for catering to user demands and providing top-notch services. Additionally, OppLoans offers special deals based on your payment behavior and history.

While OppLoans is not the only provider offering such services, there are many money-borrowing apps in the market. In this article, we have compiled a list of the best alternatives that offer loans similar to OppLoans.

Alternatives Providing Easy Loans Like OppLoans

  • Rise Credit
  • Check Into Cash
  • Speedy Cash
  • Spotloan
  • CashNetUSA

Let’s look at these similar sites in competition with OppLoans & have an overview of each of them. 

1. Rise Credit

Rise Credit

This is one of the closest matches for the sites that provide loans like OppLoans as the group of leaders in both of them are quite similar to each other. All the features of this app like the payment time depend upon your residential area. One of the major attractions of this provider is that it can allow you to borrow even with a low credit score. 

Although there are many benefits of using Rise Credit, it comes with some cons too. 

Here is a list of some of the advantages and disadvantages that come along with the experience of Rise Credit and its usage.


  • Fast funding is one of the most talked about pros of this similar site which provides loans also like OppLoans. After your request will be approved, it would give you access to your loan in just a day.
  • Five extra days are provided for you to make your payment after the due date without any extra charge, which is a great sign of relief whenever you are not able to pay back your amount on time. Best of all, it has great feedback like OppLoans.
  • Also, it offers a minimum loan amount for your small needs. This is also one of the many benefits of using it. Sometimes we just require a small amount of loan but most of the loan providers offer larger amounts than that which can be problematic for people who require small amounts. This is eased if you use Rise Credit.
  • No extra charges like late payment fees or other fees are charged. Many apps in the market will charge you money in the name of such fees but that is not the situation with Rise Credit. 


  • Lack of availability in all the states is one of the cons that restricts its overall use of facilities.
  • A low bar for a maximum amount is also something that bugs people’s needs. The maximum you can go is $5,000, which is not enough when people need a larger amount to fulfill their requirements.
  • High-interest rates are sometimes experienced on these apps when compared to others.

2. Check Into Cash

Check Into Cash

Here comes another similar site that provides its user loans like OppLoans. If you ever find yourself in need of an urgent and instant loan then Check Into Cash is your savior. It is a direct lending app that provides you with financial borrowing. 

All US citizens above the age of 21 are eligible to open their accounts and enjoy the services of Check Into Cash. You will be required to fill in your personal information as well as financial information to move forward with the use of the app. Given below are some of the pros and cons that come with the use of Check Into Cash. 


  • It accepts all types of credits. 
  • Quick loan approval is one of the features that make the process of borrowing very user-friendly while using the Check Into Cash app. 
  • One of the highlights that makes it shine is that they also have its offline setups available for its users’ reach. This makes the whole experience for the user very trustworthy and easygoing. 
  • The process is very easy along with minimum requirements. 


  • There are few chances of it hitting the credit rating.
  • APRs are quite high which makes it a bit tricky for users to access them for their use. 
  • One of the other cons can be the fee they charge for payday loans.
  • It does not help with building up your credit score.

3. Speedy Cash

Speedy Cash

This gem right here is a Canadian-based financial services provider. It caters to solving the majority of your financial problems along with a lot of additional services. They work both on offline and online ends. 

Whether it be payday loans or online lending for providing loans like OppLoans, Speedy Cash got it all sorted for you. Let’s now get into knowing Speedy Cash better by looking out for all its advantages and disadvantages. 


  • Get quick loans like OppLoans and no payment penalty, if the user requires to pay his money early in order to reduce his interest.
  • It comes with an automatic payment option that allows it to get the payment automatically each month from your checking account. 
  • A flexible method of getting money makes it very convenient. The user has the liberty to go and fetch the loan money directly from the offline store too and also through your cards, it all depends on how the user wants to access his loan money. 


  • One of the major disadvantages that run along with the use of Speedy Cash is the high amount of interest they charge. It becomes a bit heavy on the pocket while repaying the amount and interest. 
  • It may charge some kind of Origination fee, but that’s restricted to certain states. 
  • Terms and conditions change according to the area you reside, which can be very disadvantageous for certain people who might have to go overboard with some expenses.
  • The facilities of this loan provider, the same as OppLoans, are restricted to certain areas. 

4. Spotloan


This is a financial company that lends loans like OppLoans and you can get personal loans ranging from amount $300 to $800. A very talked-about name in the money lending business stands for Spotloan. Makes your borrowing experience very much easy and runs it in a smooth way. To get your loan through Spotloan, first, download the application and fill in your personal as well as income and banking details. 

After you are done registering your account, you will be brought up with an agreement and if it is appropriate for you, go and agree with it. After that in just one working day, you will receive your funds. 

This service provider sounds very interesting and intriguing but first, let us see its advantages which are different from others, and disadvantages before making up our minds about it. 


  • It also provides you with an option for educational resources. This option allows you to learn about managing your personal finances, personal loans, and many other things. 
  • The Quick Loan provides an aspect of this app that makes your urgent requirements very easy to be resolved. They provide you loans in the quickest way possible. 
  • They allow loans even for people who don’t have much of a perfect credit score. 


  • One of the most triggering cons of this app is the high amount of interest it charges on borrowings.  
  • Change in terms and conditions according to the area is something that could trouble people. If the terms and conditions decided for your area are not favorable for you then it might be a downfall for you.
  • The lack of availability in many other cities makes it something unapproachable for everyone. So before doing anything ahead with this, you should see if your residential address is in the available areas that are catered by this app.

5. CashNetUSA

CashNetUSA loan app

This is a money lending service provider and offers loans like OppLoans. Allows a person to get installment loans, lines of credit, and payday loans depending on their residence and other terms and conditions of it. Although the amount of loan it provides varies from place to place but for a rough idea, it usually provides a loan ranging between $100 to $600 for payday loans. 

For their credit lines and installment loans, it ranges from $100 to $3,500. Like all the other sites, in this also firstly you need to access either the app or the website of CashNetUSA to register yourself. For that you will need to add your details from personal to the bank to income then it will find you a lender. This would lead you to get your request verified, after you agree to the terms and conditions it would just take one working day to get your funds. 

Let’s now have a clear look at the pros and cons which will help you choose if it is the one you should go for as an alternative for getting loans like OppLoans in a hassle-free manner. 


  • It will allow you to access your loans with or without a perfect credit score.
  • It provides you with resources to deal with educational purposes, which enables you to learn about money management
  • Also Provides you with the quickest way to get your request approved and funds available. 


  • Less availability makes it a bit unapproachable for people who don’t live in the area under its reach. 
  • This works with high-interest rates that’s one of the biggest downfalls for people with tight pockets. 
  • Inconsistent terms are something that is hard to ignore as it changes their terms and conditions according to the residential area.

Frequently Asked Questions (FAQs)

Q1. Is FinWise the same as OppLoans?

The question of whether FinWise Bank is the same as OppLoans can be confusing given their close collaboration. OppLoans also offer borrowers and creditors by providing access to credit through its partnership with FinWise Bank. This means that OppLoans evaluates a customer’s loan application and provides them with an appropriate credit option from FinWise Bank’s portfolio without the borrower having to perform any separate application process.

Q2. Is OppLoans expensive?

OppLoans personal loans have some very steep financial costs associated with them. As the loan comes with a much higher APR than is typically seen with other lenders, and with limited options in terms of repayment length and maximum loan amounts, it can be significantly more costly than other alternatives. While this lender may provide a great alternative for those who are unable to access more traditional financing options, borrowers should be aware of all costs associated before signing up as there could potentially be a significant financial strain even if the loan itself is small in size.

Q3. Does everyone get approved for OppLoans?

Unfortunately, not everyone who applies for an OppLoans loan is approved. While there is no minimum credit score required to qualify, applicants must meet certain criteria in order to be considered. These requirements include being at least 18 years old, having an active checking account, and having sufficient proof of income to cover the repayments. Meeting all eligibility criteria still does not guarantee that your application will be approved, it just ensures that the loan review process can begin.

Last Say

In this tech-savvy world, where everything moves so quickly, sometimes our financial planning depletes before we receive our funds. In such a situation of monetary shortage, a person may feel helpless, wondering what to do. You have likely come across various websites that offer loans when you are in need of money. One such well-known site is OppLoans, which provides lending services.

To access your financial borrowing, simply visit the OppLoans website. If you are not satisfied with the options provided by OppLoans, you can explore other alternatives that offer loans similar to OppLoans in the article mentioned above. Now, you can fulfill all your financial borrowing needs with just a few steps and alleviate your mind from the stress related to money.

Author Profile

Susan Anderson
Meet our Author of Our Editorial Team, Susan Anderson. She is an experienced writer and financial expert who has been writing about credit cards, card offers, services, and other related topics for more than twenty years. With her in-depth knowledge on the matter and her ability to distill complex topics into useful information for readers, Susan has become a go-to source for reliable credit card advice. In addition to her work at the editorial team, she also contributes to major publications such as The Wall Street Journal and With her expertise and industry experience, she is able to provide sound advice on all aspects of credit responsibly while helping people save money in the process.

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