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Not ready to apply? Browse our expert reviews and find the best lender for your situation. We've reviewed 50+ lenders including 0% APR options.

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Top Recommended Lenders

Our experts have reviewed 50+ lenders. Here are the best options ranked by APR.

Best Overall
EarnIn cash advance app

EarnIn

4.7/5
0% APR
  • Up to $750 per pay period
  • Instant funding available
  • No credit check required
Read Review →
CareCredit healthcare financing

CareCredit

4.5/5
0% Promo APR
  • 0% for 6-24 months
  • 275,000+ providers
  • Builds your credit
Read Review →
OppLoans credit building

OppLoans

4.0/5
59-160% APR
  • Loans up to $4,000
  • Reports to all 3 bureaus
  • Bad credit OK (350+)
Read Review →
View All Reviews →

Complete APR Comparison

All lenders ranked from lowest to highest APR

Lender APR Max Amount Funding Speed Builds Credit Action
EarnIn
 0% $750 Instant No Apply →
CareCredit
 0% promo Credit limit Instant Yes Apply →
OppLoans
 59-160% $4,000 Next day Yes Apply →
Advance America
 143-688% $5,000 Same day No Apply →
Speedy Cash
 175-664% $1,500 Same day No Apply →
CashNetUSA
 200-450% $3,000 Same day No Apply →
Full Comparison Tool →

Expert Financial Guides

Learn how to borrow smarter, escape debt, and build your financial future

Payday loan guide
Essential

Complete Payday Loan Guide

Everything you need to know before borrowing

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Escape debt cycle
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Escape the Debt Cycle

5-step plan to break free from payday loans

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Build credit score
Credit

Build Your Credit Score

Reach 700+ and qualify for better rates

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Emergency fund savings
Savings

Start an Emergency Fund

Never need payday loans again

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Success Stories

Real people who found better alternatives with our help

★★★★★

"I applied through this site and got matched with a lender in minutes. The whole process was so easy and I had money in my account the next day!"

James R.
James R.
Got $2,500 approved
★★★★★

"The comparison tool helped me find EarnIn with 0% APR instead of paying $75 fees at payday lenders. This site saved me hundreds!"

Maria S.
Maria S.
Saved $900/year
★★★★★

"Bad credit and needed money fast. Applied here and got approved same day. The guides also helped me start building my credit back up."

David T.
David T.
Credit score up 85 points

Frequently Asked Questions

Fill out the simple form above and get matched with lenders in seconds. There's no obligation and checking rates won't affect your credit score. If approved, you can have funds as soon as the same day.
EarnIn is our top recommendation with 0% APR. If you're employed with direct deposit, you can access up to $750 per pay period with absolutely no fees. For medical expenses, CareCredit offers 0% promotional financing.
Yes! Many lenders in our network work with all credit types. OppLoans accepts scores as low as 350. Apply now to see what you qualify for.
Many lenders offer same-day or next-day funding. EarnIn offers instant funding. Apply now to see your options.

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