If OppLoans isn't the right fit — wrong state, APR too high, or loan amount too small — these bad credit lenders serve similar borrowers with different trade-offs.
| Lender | Loan Amount | APR Range | Min. Credit | Best For |
|---|---|---|---|---|
| OppLoans (current) | $500–$5,000 | 99%–195% | None | Bad credit, no direct alternatives |
| NetCredit | $1,000–$10,500 | 34%–155% | None | Larger loan amounts |
| Rise Credit | $500–$5,000 | 60%–299% | None | Repeat borrowers with payment flexibility |
| Avant | $2,000–$35,000 | 9.95%–35.99% | 580 | Near-prime borrowers seeking lower APR |
| Oportun | $300–$18,500 | Up to 35.99% | None | Small amounts, building credit from zero |
| LendingPoint | $2,000–$36,500 | 7.99%–35.99% | 600 | Fair-credit borrowers who need more money |
| Mariner Finance | $1,000–$25,000 | Varies (state-regulated) | None | In-person option with branch network |
| OneMain Financial | $1,500–$20,000 | 18%–35.99% | None | Secured loan option for lower rate |
| World Finance | $200–$12,000 | State-regulated | None | Small loans with local branch support |
NetCredit offers personal loans up to $10,500 at APRs generally lower than OppLoans (34%–155% depending on state). If you need more than $5,000 or want a lower APR, NetCredit is the first alternative to consider. Available in 37 states. OppLoans vs NetCredit detailed comparison.
Rise Credit and OppLoans serve nearly identical borrower profiles. Rise offers credit-building tools and Rate Rise, a program that lowers your APR over time with on-time payments. APRs can be higher than OppLoans (up to 299%), but Rise serves some states OppLoans doesn't. OppLoans vs Rise Credit comparison.
If your credit score is above 580, Avant offers personal loans at APRs capped at 35.99% — a fraction of OppLoans' maximum. Avant requires a minimum credit score of 580 and offers loan amounts up to $35,000 with terms up to 60 months. The better your credit, the more you save by choosing Avant over OppLoans.
Oportun specializes in borrowers with no credit history at all, offering personal loans from $300 to $18,500 with APRs capped at 35.99%. It serves borrowers other lenders won't touch and reports to all three credit bureaus. Available in fewer states than OppLoans but capped at a significantly lower APR.
LendingPoint accepts credit scores from 600 and offers APRs starting at 7.99%, well below OppLoans' range. Loan amounts go up to $36,500 with terms up to 72 months. If your credit score has reached 600, LendingPoint will almost certainly offer you a substantially cheaper loan than OppLoans.
OneMain Financial caps personal loan APR at 35.99% and offers a secured loan option (using your vehicle as collateral) that can help borrowers with very poor credit qualify for larger amounts at lower rates. Loan amounts go up to $20,000 with an extensive branch network for in-person service.
Mariner Finance operates 480+ branch locations across the US and offers personal loans from $1,000 to $25,000 at state-regulated rates. If you prefer to complete a loan application in person rather than online, Mariner is the leading alternative in states where branches exist.
World Finance offers personal loans starting as low as $200 through its network of branch locations. State-regulated rates apply. For borrowers who need less than OppLoans' $500 minimum, World Finance is worth checking in states where it operates.
If you've compared alternatives and OppLoans fits your needs, check your rate — no hard credit pull.