🏆 Our Top Picks by Category
Quick recommendations based on your needs
Best Overall
EarnIn
0% APR
Best for employed workers who need quick cash advances with no fees
Read Review →CareCredit
0% Promo
Best for medical, dental, and veterinary expenses with promotional financing
Read Review →OppLoans
59-160%
Best for bad credit borrowers who want to build credit while borrowing
Read Review →
📊 Full Comparison Table
All lenders ranked by APR from lowest to highest
| Lender | APR | Max Amount | Funding Speed | Credit Check | Builds Credit | Review |
|---|---|---|---|---|---|---|
E EarnIn |
0% | $750 | Instant | None | No | Apply → |
CC CareCredit |
0% promo | Credit limit | Instant | Hard | Yes | Read → |
OP OppLoans |
59-160% | $4,000 | Next day | Soft | Yes | Read → |
AA Advance America |
143-688% | $5,000 | Same day | Soft | No | Read → |
SC Speedy Cash |
175-664% | $1,500 | Same day | None | No | Read → |
CN CashNetUSA |
200-450% | $3,000 | Same day | Soft | No | Read → |
💰 Real Cost Comparison: $500 Loan for 2 Weeks
EarnIn
$500 for 2 weeks
$0
Total fees
CareCredit
$500 for 2 weeks
$0
During promo period
OppLoans
$500 for 2 weeks
$15-30
Estimated fees
Advance America
$500 for 2 weeks
$75-100
Total fees
Speedy Cash
$500 for 2 weeks
$87
Total fees
CashNetUSA
$500 for 2 weeks
$75-85
Total fees
📚 Helpful Guides
Learn more about borrowing wisely
Complete Payday Loan Guide
Everything you need to know before borrowing
Read Guide →
Escape the Debt Cycle
5-step plan to break free from payday loans
Read Guide →
Build Your Credit Score
Get to 700+ and qualify for better rates
Read Guide →
Start an Emergency Fund
Never need payday loans again
Read Guide →❓ Frequently Asked Questions
EarnIn is our top recommendation with 0% APR. If you're employed with direct deposit, you can access up to $750 with no fees. For medical expenses, CareCredit offers 0% promotional financing.
OppLoans and CareCredit both report to credit bureaus. OppLoans reports to all 3 major bureaus, making it ideal for building credit while borrowing.
EarnIn offers instant funding with Lightning Speed. Advance America, Speedy Cash, and CashNetUSA all offer same-day funding for in-store or early online applications.
For bad credit borrowers, we recommend OppLoans (accepts scores as low as 350) or EarnIn (no credit check at all). Avoid payday lenders if possible due to extremely high APR.