Loans Like OppLoan | 5 Best Payday Loans Online Alternatives in 2021


Sometimes we may be incapable of paying our bills, and getting an urgent loan becomes important. But what do we do when the need for urgent cash arise payday loans online? What alternatives do we have? One of the popular means of getting quick cash is through payday loans online

However, it is not only the OppLoan that is out there. Other fast loans like Viva Payday Loan are also available to borrow. If you are looking for such loans right now, or you feel like the need may arise in the future, continue reading to know better.

Loans Like OppLoan – #1 Alternative: Viva Payday Loans

Loan Amounts Loan Terms APR Range Loan Fees Customer Support
OppLoans $500 – $4,000 0 months – 2 years 59% – 99% Phone: Yes
Email: Yes
Shopfront: Yes
Viva Payday Loan $100 – $5000 2 – 24 months 5.99% – 35.99% Phone: Yes
Email: Yes
Shopfront: No
Loan Amounts Loan Terms APR Range Loan Fees Customer Support
OppLoans $500 – $4,000 0 months – 2 years 59% – 99% Phone: Yes
Email: Yes
Shopfront: Yes
Blue Trust Loan $100 – $3000 0 – 9 months 472% – 841% Phone: Yes
Email: Yes
Shopfront: No
Big Picture Loans $200 – $3,500 4 – 18 months 350% – 699% Phone: Yes
Email: Yes
Shopfront: No
Fig Loans $300 – $800 0 – 6 months 199% minimum Phone: Yes
Email: Yes
Shopfront: No
NetCredit $1,000 – $10,000 0 – 60 months 34% -155% Phone: Yes
Email: Yes
Shopfront: No

Best Loans Like OppLoan – Quick Pick

OppLoan is, without doubt, one of the most popular fast loan providers out there. However, there are some other nice and reliable, quick loan providers you can easily get cash from to pay your urgent bills. Just like OppLoan, these fast loan providers are ready to serve you without unnecessary delay. Check them out now and pick the one for you.

  1. Viva Payday Loans – Best fast loan provider. Reliable and straightforward.
  2. Blue Trust Loan – Top choice for a fast loan without repayment penalties.
  3. Big Picture Loan – Easy choice for a personal loan within minutes to pay your bills.
  4. Fig Loans – Reliable option for fast and emergency loans to get cash.
  5. Net Credit – The best option for huge cash online and fast loan acquisition. Get paid within minutes.

What Are OppLoans?

OppLoans is famous for its reliable services and quick payouts. It is one of the foremost loan providers with no-credit-check small loans. It informs all the credit bureau about your repayment details, which boosts your loan repayment reputation—a nice choice for good credit borrowers.

Common uses of OppLoans

Depending on what you need the money for. You can use your OppLoan for anything you want in as much it falls within your capital demand. OppLoans is between $500 to $4,000. Hence, you can use it to pay for many things within that budget. From utility bills to groceries, a quick loan from OppLoan will readily sort you out.

How To Qualify For Loans Like OppLoans

To qualify for loans like OppLoans is easier and straightforward, unlike conventional lending. Some of the things you need to qualify for OppLoans include the following:

  • A minimum of $1,500 per month gross income.
  • Need to have an existing bank account with your name for a minimum of 40 days.
  • You get your paychecks through direct deposits
  • You also need to be living in OppLoans eligible state.

Top 5 OppLoans Alternatives – Fully Reviewed

1. Viva Payday Loans – Overall Best Option for Loan like OppLoans

Viva Payday Loans is a fast and reliable loan provider that is known for its credible services. With no upfront fee or cost, borrowers can get their loans quickly with no hassle. Just let Viva Payday Loans know how much cash you need and how long you believe you can repay, then you are good to go. The application is faster, and approval takes practically 2 minutes after the request.

Lender Loan Amount Terms of Condition APR Fees Star Rating
OppLoans $100 – $5,000 2 to 24 months 5.99% – 35.99% None 10/10


    • OppLoans offer fast loan payout to borrowers
  • Borrowers loans range between $190 to $5,000
  • Processing time is within 5 minutes during application.
  • Following a request, the application takes only 2 minutes.
  • There are flexible repayment options where borrowers can choose to pay between 2 months to 24 months.


    • Viva Payday Loans is not accessible in all states.

If what you are looking for is an overall best fast loan provider alternative, Viva Payday Loan is simply your best bet; go no further.

2. Big Trust Loans – Good for Short Term Loans

Big Trust Loans is known as a quick loan provider to interested borrowers. Big Trust Loans is based and very accessible online. People can easily get loans with repayment periods that extend to 9 months. Usually, between $100 to $3,000, you are guaranteed to get cash to pay your urgent bills within a few hours of application. Otherwise known as Hummingbird Funds, LLC, Big Trust Loans is affiliated with Native American Tribe; hence, no judicial penalty option.

Lender Loan Amount Terms of Condition APR Fees Star Rating
Big Trust Loans $100 – $3,000 0 to 9 months 472% – 841% None 9/10


    • Little balances that are required for getting short-term needs
  • Flexible qualification requirements enable borrowers with bad credit to get fast loans.
  • Easy to process online application that lasts within a few minutes to finalize
  • A fast turnaround period that can get borrowers funding within hours after loan request.


    • They generally considered expensive loans due to their high-interest rate.
  • Difficult to pay as interest rates on loan is high, coupled with the possibility of violating the repayment plan, thereby increasing the cost of repayments.
  • Hard to sue Blue Trust Loans due to their affiliation with Native American tribal immunity should they involve illegal practice.

If you are looking for a fast loan provider without penalties when you default repayment plan, this is your best choice. Consider contacting them now.

3. Big Picture Loans – Best for Installment Loans

Big Picture Loans

Big Picture Loans is another top quick loan provider out there. Over the years, Big Picture Loans has granted more than 94% of the loan application request. This implies there is a high chance of getting your loan request without stress. Known for their affiliation to the Native American tribes, Big Picture Loans Is readily available to offer you quick cash between $200 and $3,500. Check them out below.

Lender Loan Amount Terms of Condition APR Fees Star Rating
Big Picture Loans $200 – $3,500 9 to 18 months 350% – 699% None 9/10


    • Quick loan application approval with money deposit into your account within 24 hours.
  • Borrowers with poor credit are also given fast loans.
  • There are no repayment penalties.
  • Fast available loans are in all 50 states of the United States, including the District of Columbia.
  • There is a complimentary “Financial Wellness” program that assists borrowers on the details that can enhance borrowers’ financial health.


    • There are additional charges for returned payments, late payments, and non-payments if there is a default in a repayment plan
  • Generally considered the most expensive fast loan provider due to their high-interest rates.
  • One of the fast loan providers with the highest interest rates for borrowers.
  • Borrowers review show that there is a poor customer service department.
  • They may decide not to abide by the state rules and regulations due to their affiliation with Native American tribes.

For fast loans with no repayment penalties, borrowers with bad credit scores may need to consider them. They are available in all the states within the United States.

4. Fig Loans – Best for No Guarantor Loans

Fig Loans is one of the fast loan providers you can easily find around. With their flexible application requirement, you can easily get fast loans without delay. Between $300 to $800, this loan can easily serve you when you are in dire need of quick cash to pay for urgent needs like groceries, car repairs, emergency bills, among others. Fig loans are available to borrowers with poor credit scores.

Lender Loan Amount Terms of Condition APR Fees Star Rating
Fig Loan $300 – $800 0 to 6 months 50% – 99% None 10/10


    • There are no repayment penalties. Hence, borrowers can have a rest of mind if there is a default in the repayment plan.
  • They help borrowers build credit scores if their repayment plan is followed accordingly.
  • They have a considerable APR compared to many other fast loan providers.
  • There may be a discount for early repayment.
  • Huge online positive reviews among borrowers.


    • The loan limits are considerably small for borrowers that need more money at a time.
  • Fig loans are presently available in just five states.

For borrowers looking for quick and small loans with no penalties and a considerable interest rate, this is your best choice, especially if you are in the states Fig loans operate.

5. NetCredit – Low APR on Quick Loans

NetCredit is another fast loan provider for Americans. With a capacity to borrow any eligible individual between $1,000 to $10,000, this is a good fast loan for big budgets. Borrowing from Net Credit is fast and reliable.

Even borrowers with bad credit scores have a good chance of getting fast in as much they meet other requirements. Having headquarters in Chicago, Net Credit fast loan is good for business and a big budget.

Lender Loan Amount Terms of Condition APR Fees Star Rating
Net Credit $1,000 – $10,000 0 to 60 months 34% – 155% 9/10


    • Net Credit is known for fast payment within 24 hours of approval of loan requests.
  • There is little credit background check for pre-qualification, which allows borrowers with bad credit scores to have the opportunity to get fast loans.
  • It is good for big-budget or huge urgent financial needs.


    • The interest rates are fairly high compared with other bad-credit lenders.
  • They usually charge an origination fee before the loan approval

For some reason, some of the loan payments may not be readily considered as part of the principal repayment.

Net Credit is cheaper than some other fast loans providers. However, they are still considered to be fairly expensive. But if what you want is big cash within a day or two, this is your bet.

Features of Viva Payday Loans

Viva Payday Loan is generally the most reliable fast loan provider out there. The process of getting a loan is fast, while the payout to borrowers is even faster. Viva Payday Loan application process is simple, straightforward, fast, and reliable to every borrower out there.

How to Get Loans Like OppLoan

OppLoan is common but not in all the states of the United States. Hence, if you are in a place like Texas or Ohio, you may need o reconsider, as there are other fast loan providers with better services like Viva Payday Loan. To get fast loans from Viva Payday Loan, follow these steps.

Step 1: Visit Viva Payday Loans

Visit the website of Viva Payday Loans on your computer or smartphone. The website to visit is The website is easy to navigate, and there is customer support on the guide if you find yourself stuck.

Step 2: Complete the Application Form

Before completing the application online, you are expected to have all the requirements ready and know you are eligible for the loan. Things required during application include:

  • Be a minimum of 18 years old. Though places like Nebraska and Alabama require borrowers to be 19 and above before they can borrow loans.
  • The borrower must be a full US citizen
  • You would be required to provide a functioning US bank account in your name.
  • You must show evidence of employment, with a steady paycheck (proof of 90 days employment required)
  • A credible Social Security Number that belongs to the borrower must be provided.

When you have all this information, you then start your application. It takes less than 5 minutes to complete the registration.

Step 3: Get your decision

Usually, the decision process at Viva Payday Loan is fast and straightforward. Within 2 minutes, you get approval except if you don’t meet the requirements asked during the application. Here, it is recommended you don’t leave your computer or drop the phone immediately after you make the application as you would get an instant response.

Step 4: Receive your Loan

To receive your loan as a borrower from Viva Payday Loans is easier. Within 24 hours after your request has been approved, Viva Payday Loans must have sent the money you requested. The payment is generally directly into your bank account.

Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans


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About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.

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