Compare Lending Products
Sort and filter through short-term and installment lending lenders.
| Lender | Editorial Grade | Max Amount | APR Range | Funding Speed | Credit Building | Action |
|---|---|---|---|---|---|---|
| PrimeLendingsTop Choice | 4.9 / 5.0 | $25,000 | 5.99% - 35.99% | Next Business Day | Yes | |
| Prosperprosper.com | 4.1 / 5.0 | $50,000 | 8.99% - 35.99% | Slow (3 - 5 business days) | Yes | Detailed Review |
| LendingClublendingclub.com | 4 / 5.0 | $40,000 | 9.57% - 35.99% | Slow (2 - 4 business days) | Yes | Detailed Review |
| LendingUSAlendingusa.com | 3.8 / 5.0 | $10,000 | 14.99% - 29.99%+ | Slow (2 - 3 business days) | Yes | Detailed Review |
| Dave (Cash Advance App)dave.com | 3.6 / 5.0 | $500 | Effectively 300%+ on small advances | Instant (Dave card) / 1-3 days ACH | No | Detailed Review |
| NetCreditnetcredit.com | 3.5 / 5.0 | $10,500 | 34.00% - 155.00% | Next business day | Yes | Detailed Review |
| CashNetUSAcashnetusa.com | 3.4 / 5.0 | $1,500 | 229.00% - 449.00% | Same-day online deposit | No | Detailed Review |
| EarnIn (Earned Wage Access)earnin.com | 3.4 / 5.0 | $750 | Tip-equivalent APR up to 459% | Instant (fee) / 1-2 days standard | No | Detailed Review |
| OppFi (OppLoans)oppfi.com | 3.3 / 5.0 | $4,000 | 59.00% - 160.00% | 1 - 2 business days | Yes | Detailed Review |
| Advance Americaadvanceamerica.net | 3.2 / 5.0 | $1,500 | 143.29% - 688.28% | Storefront dependent / Next-day | No | Detailed Review |
| RISE Creditrisecredit.com | 3.1 / 5.0 | $5,000 | 60.00% - 299.00% | Next business day | Yes | Detailed Review |
| Speedy Cashspeedycash.com | 2.9 / 5.0 | $1,500 | 179.64% - 720.00% | Same-day in-store / Next-day online | No | Detailed Review |
| CashMaxcashmax.com | 2.9 / 5.0 | $1,500 | 200% - 700% | Same day (in-store only) | Yes | Detailed Review |
| Check Into Cashcheckintocash.com | 2.8 / 5.0 | $1,000 | 261.00% - 782.14% | Same-day in-store / Next-day online | No | Detailed Review |
| Check 'n Gocheckngo.com | 2.8 / 5.0 | $1,500 | 214.00% - 664.00% | Same-day in-store / Next-day online | No | Detailed Review |
| Tilt (Cash Advance App)tilted.com | 2.8 / 5.0 | $500 | Fee-based (200%+ effective) | Instant (subscription tier) | No | Detailed Review |
| ACE Cash Expressacecashexpress.com | 2.7 / 5.0 | $1,500 | 200.00% - 664.00% | Same-day in-store / Next-day online | No | Detailed Review |
| MoneyMutualmoneymutual.com | 2.5 / 5.0 | $5,000 (via network) | 200.00% - 1386.00% | Next-day (lender dependent) | Yes | Detailed Review |
| LendUplendup.com | 2.2 / 5.0 | $1,000 | 150.00% - 917.00% | Next business day | Yes | Detailed Review |
| Plain Green Loansplaingreenlending.com | 2.1 / 5.0 | $3,000 | 200.00% - 438.00% | Next business day | No | Detailed Review |
| Spotloanspotloan.com | 2 / 5.0 | $800 | 490.00% | Next business day | No | Detailed Review |
| MaxLendmaxlend.com | 1.8 / 5.0 | $2,500 | 471.78% - 841.45% | Next business day | No | Detailed Review |
| Bright Lendingbrightlending.com | 1.5 / 5.0 | $1,000 | 500.00% - 800.00%+ | Next-day online | No | Detailed Review |
Advance America
Payday OverviewAdvance America is one of the largest payday lending operations in the United States, operating over 800 physical storefronts in addition to their online lendin...
CashNetUSA
Payday OverviewCashNetUSA is a major online-only subprime lender owned by Enova International. They operate in roughly 30 states, offering payday loans and line-of-credit prod...
Prosper
Payday OverviewProsper is a pioneer in the peer-to-peer (P2P) lending space, connecting individual borrowers with institutional and retail investors. They offer legitimate, co...
Bright Lending
Payday OverviewBright Lending is an online short-term lender operated by Aaniiih Nakoda Finance, an entity owned by the Fort Belknap Indian Community of Montana. By operating ...
LendingUSA
Payday OverviewLendingUSA is a niche personal loan provider that focuses heavily on merchant-specific financing (point-of-sale loans for medical procedures, pet purchases, fun...
LendingClub
Payday OverviewLendingClub is a massive, federally regulated digital marketplace bank. They are highly reputable, offering personal loans up to $40,000 with competitive APRs. ...
Check Into Cash
Payday OverviewCheck Into Cash is one of the oldest and largest payday lending chains in the US, operating over 650 brick-and-mortar stores alongside an online portal. Founded...
ACE Cash Express
Payday OverviewACE Cash Express is a major US payday lending and financial services chain with both physical stores and an online platform. They offer payday loans, installmen...
Speedy Cash
Payday OverviewSpeedy Cash (owned by Curo Group Holdings) operates over 400 stores and an online lending platform across 28 US states. They offer payday loans, installment loa...
MoneyMutual
Payday OverviewMoneyMutual is not a direct lender — it is a lead generation marketplace that matches consumers with high-cost payday and personal loan lenders. When you submit...
OppFi (OppLoans)
Payday OverviewOppFi (formerly OppLoans) markets itself as a 'fintech-powered' lender targeting subprime consumers who cannot qualify for traditional bank loans. They offer in...
NetCredit
Payday OverviewNetCredit (owned by Enova International) offers personal loans and lines of credit to subprime borrowers. While their lower rate boundary of 34% APR sounds reas...
Dave (Cash Advance App)
Payday OverviewDave is a mobile-first cash advance app that provides up to $500 in paycheck advances without a credit check. While Dave markets itself as a fee-free alternativ...
EarnIn (Earned Wage Access)
Payday OverviewEarnIn is an earned wage access (EWA) app that allows workers to access a portion of their earned wages before payday, up to $750 per pay period. EarnIn uses a ...
Check 'n Go
Payday OverviewCheck 'n Go is a major payday lending chain owned by Community Choice Financial Inc. with approximately 470 store locations and an online lending platform. They...
Spotloan
Payday OverviewSpotloan is a tribal lending operation run by BlueChip Financial, an entity of the Turtle Mountain Band of Chippewa Indians. Like other tribal lenders, Spotloan...
Plain Green Loans
Payday OverviewPlain Green Loans is a tribal lending operation owned by the Chippewa Cree Tribe of the Rocky Boy's Indian Reservation in Montana. They offer online installment...
MaxLend
Payday OverviewMaxLend is a tribal lending operation owned by the Mandan, Hidatsa, and Arikara Nation (MHA Nation) of North Dakota. They offer online installment loans up to $...
LendUp
Payday OverviewLendUp was once marketed as a socially responsible payday loan alternative, promising a 'ladder' of credit improvement through repeat borrowing. In 2016, the CF...
RISE Credit
Payday OverviewRISE Credit (owned by Elevate Credit) offers online installment loans to subprime borrowers. They market a 'path to better rates' for loyal customers, but their...
Our Verification Standards
We believe in consumer empowerment. Every single review and comparison is vetted by independent financial professionals to verify rate disclosures, check fee compliance, and expose subprime traps.
"Marcus is a veteran in the short-term lending space with a focus on predatory lending prevention and consumer advocacy. He ensures all PrimeLendings content meets strict transparency standards."