Below are side-by-side profiles of 30 smaller personal loan companies and cash advance apps — typical amounts, estimated pricing, funding speed, and who each one genuinely fits.
Rise Up Loans Now is a connection service, and part of serving borrowers honestly is showing the wider market, including companies outside our network. Every figure here is an estimate drawn from publicly advertised ranges; exact terms always come from the lender itself and change over time and by state. Nothing on this page links out or endorses — the goal is context, so that when a real offer lands in front of you (through rise up loans or anywhere else), you can judge its APR, fees, and speed against the market instead of guessing. Pair this page with the rates guide and the five-step offer comparison.
On this page
How to Read This Comparison
Compare lenders on four axes — amount range, estimated APR, funding speed, and product structure — and ignore marketing adjectives entirely.
Amount range tells you instantly whether a lender even plays at your size; a $5,000 minimum is irrelevant to a $1,200 need. Estimated APR bands separate mainstream pricing (single and low-double digits) from specialist subprime pricing (far higher), and "varies by state" is a flag to check locally. Funding speed matters when the expense has a deadline. Structure is the quiet one: a fixed installment personal loan ends on a date; lines of credit and advance apps are open-ended, which suits some situations and traps others. The table links to a plain-spoken profile of each company further down the page.
The Full Comparison Table
All 30 companies at a glance — installment lenders first, then lines of credit, then cash advance apps.
| Company | Typical amounts | Estimated pricing | Funding speed | Best fit |
|---|---|---|---|---|
| Upgrade | $1,000–$50,000 | ~8–36% | 1–2 business days | Good-credit borrowers wanting mainstream pricing |
| Upstart | $1,000–$50,000 | ~7–36% | often next business day | Thin-file applicants with strong education or work history |
| Avant | $2,000–$35,000 | ~9–36% | often next business day | Fair-credit borrowers near the middle of the market |
| LendingPoint | $2,000–$36,500 | ~8–36% | as soon as next business day | Near-prime borrowers with steady income |
| Best Egg | $2,000–$50,000 | ~7–36% | 1–3 business days | Good credit, straightforward debt consolidation |
| OneMain Financial | $1,500–$20,000 | ~18–36% | same day possible at branches | Borrowers who want an in-person option |
| Prosper | $2,000–$50,000 | ~9–36% | 1–3 business days | Good-credit borrowers comfortable with a marketplace model |
| Happy Money | $5,000–$40,000 | ~12–30% | 3–6 business days | Credit card payoff at the top of this range |
| OppLoans | $500–$4,000 | very high, often 100%+ | as soon as same day | Poor-credit borrowers out of mainstream options |
| NetCredit | $1,000–$10,000 | very high, varies by state | same or next business day | Subprime borrowers in eligible states |
| Integra Credit | $500–$3,000 | very high | as soon as next business day | Small urgent amounts for damaged credit |
| CreditFresh | $500–$5,000 | charges billed as fees | as soon as same day | Flexible draws rather than one lump sum |
| MoneyKey | $500–$3,500 | very high, state-dependent | next business day | Small installment personal loans in covered states |
| Fig Loans | $300–$750 | ~36–199%, capped by design | 1–2 business days | Tiny emergency personal loans with credit-building intent |
| Capital Good Fund | $300–$25,000 | ~5–24% | days to weeks | Mission-driven pricing for lower-income borrowers |
| Oportun | $300–$10,000 | capped at ~36% | often same or next day | Borrowers with little or no credit history |
| Possible Finance | up to ~$500 | high, structured as installments | within minutes to a day | Very small amounts repaid over a few paychecks |
| Kashable | $250–$25,000 | ~6–36% | 1–3 business days | Employees of partnered companies |
| Elastic | $500–$4,500 line | billed as draw fees | next business day | Repeat small draws, not lump sums |
| Universal Credit | $1,000–$50,000 | ~11–36% | 1–2 business days | Fair credit with credit-health tools |
| Rocket Loans | $2,000–$45,000 | ~9–30% | same day possible | Fast funding for solid credit |
| Jora Credit | $500–$4,000 | very high | next business day | Subprime installment personal loans in covered states |
| EarnIn | up to ~$150/day advance | optional tips + fees for speed | minutes to next day | Bridging days until an earned paycheck |
| Dave | up to ~$500 advance | subscription + express fees | minutes to a day | Small advances with a budgeting app attached |
| Brigit | up to ~$250 advance | subscription-based | minutes to a day | Overdraft avoidance for small amounts |
| MoneyLion | up to ~$500 advance; loans via marketplace | varies by product | minutes to days | App users wanting advances plus a personal loan marketplace |
| Empower | up to ~$400 advance | subscription-based | minutes to a day | Quick small advances with spending insights |
| Albert | up to ~$250 advance | subscription + express fees | minutes to a day | Small advances inside an all-in-one finance app |
| Cleo | up to ~$250 advance | subscription-based | minutes to a day | Younger users who want budgeting nudges with the advance |
| Varo | up to ~$500 advance | flat fee per advance | instant for Varo customers | Existing Varo bank customers |
Pricing cells marked "very high" denote specialist subprime lending whose APRs sit far above mainstream personal loan ranges — workable only for small amounts retired quickly, as the short-term personal loans guide explains.
Company Profiles, One by One
Each profile below states the company's typical amounts, estimated pricing, funding speed, and the borrower it honestly fits — including where it doesn't fit at all.
1. Upgrade
Typical amounts: $1,000–$50,000 · Estimated pricing: ~8–36% · Funding: 1–2 business days
Upgrade is one of the larger online personal loan platforms, with fixed-rate installment loans and an APR range that rewards solid credit. Origination fees are common, so compare the APR rather than the headline rate. For $1,000–$5,000 requests it behaves like a classic prime/near-prime lender: credit-driven pricing, autopay discounts, and reporting to the major bureaus.
2. Upstart
Typical amounts: $1,000–$50,000 · Estimated pricing: ~7–36% · Funding: often next business day
Upstart built its underwriting around more than the score, weighing factors like education and employment, which can help applicants whose files are short rather than damaged. Rates span the full spectrum and origination fees apply for many borrowers. Funding is quick once approved, frequently the next business day.
3. Avant
Typical amounts: $2,000–$35,000 · Estimated pricing: ~9–36% · Funding: often next business day
Avant targets the middle of the credit spectrum, where banks hesitate and specialist rates feel steep. Minimum amounts start around $2,000, so it suits the upper half of the $500–$5,000 range. Administration fees may apply; terms are fixed installments with bureau reporting.
4. LendingPoint
Typical amounts: $2,000–$36,500 · Estimated pricing: ~8–36% · Funding: as soon as next business day
LendingPoint leans on income and banking data alongside credit, which places it between prime platforms and subprime specialists. Loans start at about $2,000 with fixed terms of roughly two to six years — longer than many small-loan borrowers need, so check total interest, not just the payment.
5. Best Egg
Typical amounts: $2,000–$50,000 · Estimated pricing: ~7–36% · Funding: 1–3 business days
Best Egg is a consolidation favorite with competitive APRs for strong profiles and an origination fee for most loans. Its minimum of about $2,000 fits the top of this site's range. The process is fully online, with fixed payments and standard bureau reporting.
6. OneMain Financial
Typical amounts: $1,500–$20,000 · Estimated pricing: ~18–36% · Funding: same day possible at branches
OneMain is the rare national lender with physical branches, which some borrowers prefer when questions get complicated. Pricing runs higher than prime online platforms, and some loans are secured by a vehicle. Same-day funding is possible when documents are verified at a branch.
7. Prosper
Typical amounts: $2,000–$50,000 · Estimated pricing: ~9–36% · Funding: 1–3 business days
Prosper pioneered peer-to-peer lending and now runs a mainstream marketplace with fixed-rate personal loans from about $2,000. Origination fees apply, and the APR range mirrors other prime platforms. Timelines are a touch slower than the fastest direct lenders.
8. Happy Money
Typical amounts: $5,000–$40,000 · Estimated pricing: ~12–30% · Funding: 3–6 business days
Happy Money focuses exclusively on paying off credit card balances, and its $5,000 minimum touches only the very top of the $500–$5,000 range. For a maximum-size consolidation it's a credible option; for anything smaller it simply doesn't play.
9. OppLoans
Typical amounts: $500–$4,000 · Estimated pricing: very high, often 100%+ · Funding: as soon as same day
OppLoans serves deep subprime borrowers with no-collateral personal installment loans and reports payments to the bureaus, which can help rebuild credit. The trade-off is cost: APRs run far above mainstream ranges. If an offer here is your only option, keep the amount minimal and the term short.
10. NetCredit
Typical amounts: $1,000–$10,000 · Estimated pricing: very high, varies by state · Funding: same or next business day
NetCredit prices its personal loans by state law, and its APRs sit well above mainstream lending. Amounts and availability differ sharply across state lines. As with any high-cost lender, the sensible use is a small amount, a short term, and a firm payoff plan.
11. Integra Credit
Typical amounts: $500–$3,000 · Estimated pricing: very high · Funding: as soon as next business day
Integra Credit offers small personal installment loans to borrowers mainstream lenders decline, with pricing to match that risk. The low $500 floor suits genuinely small needs. Compare any Integra offer against every alternative — a counter-offer elsewhere at half the APR is common for borderline profiles.
12. CreditFresh
Typical amounts: $500–$5,000 · Estimated pricing: charges billed as fees · Funding: as soon as same day
CreditFresh provides a line of credit rather than a fixed loan: you draw what you need and pay billing-cycle charges on the outstanding balance. Lines of credit reward discipline and punish drift — if you'd rather have a fixed end date, a standard installment loan is the safer structure.
13. MoneyKey
Typical amounts: $500–$3,500 · Estimated pricing: very high, state-dependent · Funding: next business day
MoneyKey writes small personal installment loans and lines of credit in a limited set of states, with high state-regulated pricing. Its online process is quick and its amounts fit this range, but the APR math demands a short payoff horizon.
14. Fig Loans
Typical amounts: $300–$750 · Estimated pricing: ~36–199%, capped by design · Funding: 1–2 business days
Fig is a social-mission lender offering very small personal loans designed to beat the worst of the high-cost market, with bureau reporting to build credit. Amounts cap below $1,000, so it's a candidate only for the smallest needs on this site.
15. Capital Good Fund
Typical amounts: $300–$25,000 · Estimated pricing: ~5–24% · Funding: days to weeks
Capital Good Fund is a nonprofit lender operating in a growing list of states, with APRs dramatically lower than subprime alternatives. The exchange is speed: underwriting is more manual and funding can take longer. For a non-urgent need, it's one of the best-priced options on this page.
16. Oportun
Typical amounts: $300–$10,000 · Estimated pricing: capped at ~36% · Funding: often same or next day
Oportun built its model around lending to people without credit files, caps its APR around 36%, and reports to the bureaus. Availability varies by state. For thin-file borrowers it's frequently a better-priced path than subprime specialists.
17. Possible Finance
Typical amounts: up to ~$500 · Estimated pricing: high, structured as installments · Funding: within minutes to a day
Possible writes very small installment loans through its app, repaid in a handful of installments, with bureau reporting. It only covers the very bottom of this range, and per-dollar cost is high — useful strictly for small, short gaps.
18. Kashable
Typical amounts: $250–$25,000 · Estimated pricing: ~6–36% · Funding: 1–3 business days
Kashable lends personal loans through employers, repaying via payroll deduction, with pricing that beats most alternatives for eligible workers. The catch is access: your employer must offer it as a benefit. If yours does, check it before anything else on this list.
19. Elastic
Typical amounts: $500–$4,500 line · Estimated pricing: billed as draw fees · Funding: next business day
Elastic is a line of credit with fee-based pricing on each draw and balance carried. Its effective cost runs high, and open-ended structures invite lingering balances. Suitable only when you specifically need re-draw flexibility and have a firm payoff plan.
20. Universal Credit
Typical amounts: $1,000–$50,000 · Estimated pricing: ~11–36% · Funding: 1–2 business days
Universal Credit (an Upgrade brand) aims slightly down-spectrum from its parent, pairing loans with credit-monitoring tools. Origination fees apply and APRs start higher than prime platforms, but for fair-credit profiles the pricing is often competitive.
21. Rocket Loans
Typical amounts: $2,000–$45,000 · Estimated pricing: ~9–30% · Funding: same day possible
Rocket Loans emphasizes speed, with same-day funding genuinely available for approved borrowers who sign early. Minimums start at $2,000 and an origination fee applies. Pricing favors good credit; subprime applicants will usually look elsewhere.
22. Jora Credit
Typical amounts: $500–$4,000 · Estimated pricing: very high · Funding: next business day
Jora writes high-APR personal installment loans in a limited state footprint. It's a lender of last resort territory: transparent terms, fast funding, and pricing that only makes sense for small amounts retired quickly.
23. EarnIn
Typical amounts: up to ~$150/day advance · Estimated pricing: optional tips + fees for speed · Funding: minutes to next day
EarnIn is not a loan but an earned-wage advance app: it fronts wages you've already worked, repaid when the paycheck lands. Costs are structured as optional tips and instant-transfer fees. For a true two-or-three-day gap it can beat any loan; it cannot fund a $1,000 expense.
24. Dave
Typical amounts: up to ~$500 advance · Estimated pricing: subscription + express fees · Funding: minutes to a day
Dave's ExtraCash advance covers small shortfalls against your next deposit, priced through a monthly subscription and optional express fees. As with all advance apps, the structure suits tiny, brief gaps — repeated monthly use signals a budget problem a loan won't fix either.
25. Brigit
Typical amounts: up to ~$250 advance · Estimated pricing: subscription-based · Funding: minutes to a day
Brigit pairs small advances with alerts designed to prevent overdrafts, charging a flat monthly subscription rather than per-advance interest. The ceiling is low; its real product is the safety net, not meaningful borrowing capacity.
26. MoneyLion
Typical amounts: up to ~$500 advance; loans via marketplace · Estimated pricing: varies by product · Funding: minutes to days
MoneyLion combines Instacash advances with a marketplace that routes larger requests to partner lenders. Advance pricing uses express fees; marketplace loan terms depend entirely on the matched lender — read those offers as carefully as any other.
27. Empower
Typical amounts: up to ~$400 advance · Estimated pricing: subscription-based · Funding: minutes to a day
Empower's cash advance sits inside a subscription banking app. It's fast and simple for double-digit to low-hundreds gaps. Like its peers, it solves timing problems, not amount problems.
28. Albert
Typical amounts: up to ~$250 advance · Estimated pricing: subscription + express fees · Funding: minutes to a day
Albert offers modest advances alongside banking and budgeting features, with costs in the subscription and instant-delivery fees. Reasonable for occasional small bridging; structurally unable to replace an installment loan for real expenses.
29. Cleo
Typical amounts: up to ~$250 advance · Estimated pricing: subscription-based · Funding: minutes to a day
Cleo wraps a small cash advance in an AI budgeting chat app, with costs carried by the subscription tier. The advance ceiling is low and eligibility builds over time — a convenience product, not a credit line.
30. Varo
Typical amounts: up to ~$500 advance · Estimated pricing: flat fee per advance · Funding: instant for Varo customers
Varo Advance offers its banking customers small advances for a flat fee that scales with the amount. Pricing is transparent and instant inside the app, but it requires banking with Varo first — nobody opens an account just for this.
Advance Apps Are a Different Product
Cash advance apps solve timing problems measured in days and hundreds of dollars; personal loans solve amount problems measured in months and thousands.
The last eight entries above are apps, not lenders, and judging them by APR alone misleads in both directions. For a genuine three-day gap before a paycheck, an app's flat fee or tip can cost less than any loan's interest plus fees. For a $2,000 expense, the apps simply can't reach, and stringing together repeated advances month after month costs more — in money and stress — than one fixed personal loan with a real end date. The full head-to-head, with a cost table at several gap sizes, is in personal loan vs cash advance app.
Where Rise Up Loans Fits in This Market
Rise Up Loans Now is not a lender on this list — one request here reaches multiple participating lenders at once, which replaces applying to these companies one by one.
The serial-application problem is real: each direct application costs time, and hard-pull applications stack inquiries on your report. A single soft-inquiry request through our network surfaces the offers your profile actually earns across multiple lenders, with APR and payment stated before any commitment. Then this page does its job: you hold the offer up against the market above and decide with context. If the network can't match you, you've lost nothing and this comparison becomes your shortlist for direct applications — start with the mission-driven and capped-rate entries before the "very high" rows.
How These Profiles Were Compiled
Every figure on this page comes from publicly advertised ranges — lender websites, published terms, and disclosure pages — compiled and periodically re-checked, with "estimated" meant literally.
The method matters because comparison pages often launder marketing into fact. Ours works like this: amounts and structures come from each company's own published product pages; APR territories come from advertised ranges, with "very high" standing in where pricing varies so much by state that a single range would mislead; funding-speed claims come from the companies' stated timelines, which real-world banking hours then govern. Where a company offers multiple products, the profile describes the one relevant to $500–$5,000 personal loan borrowing. Nothing here is a quote, and every profile can age — companies reprice, enter and exit states, and retire products — which is why each entry ends at the only durable advice: confirm current terms with the company itself.
What the page deliberately omits is ranking. A "best lender" ordering would require knowing your amount, state, credit band, and urgency — four facts that change the answer completely. The honest substitute is the best-fit column plus your own two minutes with the five-step comparison method, applied to whatever actual offers you hold. Context over verdicts: that's the compilation philosophy, and it's why companies outside our network appear here at all.
Why Smaller Lenders Exist at All
Smaller personal loan companies survive beside banking giants by specializing — in credit bands banks avoid, amounts banks ignore, speeds banks can't match, or missions banks don't have.
The specializations map neatly onto this page's rows. Band specialists built underwriting for fair-and-below profiles, pricing risk the mainstream declines to hold; their rates reflect it, and their existence is why "declined at my bank" isn't the end of a sentence. Amount specialists make $500–$2,000 personal loans economical through automation, where a branch-based lender's fixed costs would eat the loan whole. Speed specialists compressed the request-to-deposit pipeline into hours, trading breadth for velocity. And the mission lenders — nonprofits and capped-rate models — exist to prove small-dollar lending can price gently, usually trading speed or state coverage for it.
For the borrower, the taxonomy is a shopping map: match your constraint to the specialist built for it. Thin credit points toward the income-and-banking readers; a deadline points toward the speed rows; a non-urgent need points toward the mission lenders' gentler pricing; and an ordinary profile with time to compare points toward the mainstream names at the table's top. One soft-inquiry request through the network reads several specializations at once — this page is how you understand whatever comes back.
Turning This Table Into a Decision
The table's job is calibration: when a real offer lands, place its APR in the band column, its speed against the funding column, and its structure against the best-fit row — then decide from context, not hope.
A worked calibration: you hold a $2,000 personal loan offer at 29% APR, 12 months, funding tomorrow. The table says 29% sits in fair-band territory — high against the mainstream rows, honest against the specialist rows, and far below the "very high" tier. If your credit is fair, the offer is priced to market: accept or decline on fit, not on outrage. If your credit is good, the same offer is a signal to shop further — the mainstream rows exist for your band. Speed calibrates the same way: tomorrow is standard, so "exclusive fast approval" marketing added nothing worth paying for.
Calibration also disciplines the decline. An offer worse than your band's market deserves a no — and the table shows what the no is holding out for, which converts vague dissatisfaction into a concrete target. Pair this page with the rates guide's bands and the comparison method's five steps, and every personal loan offer you ever receive arrives into a prepared mind: the market's shape known, your place in it located, and the decision reduced to arithmetic plus honesty about your own profile.
Quick Questions
Are the rates on this page current quotes?
No — they're estimated ranges compiled from publicly advertised figures, shown for context. Lender pricing changes and varies by state and profile, so always confirm the APR on an actual offer before deciding.
Does Rise Up Loans work with all of these companies?
No. This comparison deliberately covers the wider market, including companies outside our network, because context is the point. Offers you receive through a request here come from our participating lenders with terms stated in full.
Which company on the list is best?
None universally — fit depends on your amount, credit profile, state, and urgency. Capped-rate and mission-driven lenders tend to price best for eligible borrowers; the 'very high' rows suit only small, quickly repaid amounts.