This page compares ten small personal loan lenders serving the $300 to $5,000 market on personal loan amounts, repayment terms, typical APRs, and the type of borrower each suits, so that any offer you receive, including one through Uplyft Capital, can be judged against the market.
Uplyft Capital is not a lender. We connect borrowers with personal loan lenders, and our service is only useful if you can tell a good offer from a poor one. That requires knowing what other companies charge for the same size personal loan to the same kind of borrower. Below you will find a summary table followed by a detailed profile of each lender. Figures are drawn from each lender's public disclosures and are presented as typical ranges; rates and amounts change and vary by state, so confirm current terms with any lender before you rely on them. We do not link out to these companies and receive nothing from them for appearing here. The Uplyft Capital requirements page lists what lenders check at this stage.
Summary table
The table below lists each lender's typical personal loan amounts, terms, and APR tier; scroll sideways on small screens.
| Lender | Typical amounts | Terms | APR tier | Reports to bureaus |
|---|---|---|---|---|
| OppLoans | Roughly $500 to $4,000 depending on state | 9 to 18 months | High | Yes |
| NetCredit | Typically $1,000 to $10,000; lower in some states | 6 to 60 months | Wide range | Yes |
| Oportun | About $300 to $10,000 | 12 to 54 months | Capped at 36% APR | Yes |
| RISE Credit | $500 to $5,000, varying by state | 4 to 26 months | High | Varies |
| Integra Credit | About $500 to $3,000 | Up to about 24 months | High | Yes |
| Possible Finance | Up to about $500 | About 8 weeks in 4 payments | High APR on paper due to short term | Yes |
| Fig Loans | About $300 to $750 | 3 to 6 months | Moderate to high | Yes |
| MoneyLion | Advances up to about $500; credit-builder loans up to about $1,000 | Advances repaid on next deposit; credit-builder loans 12 months | Advances are fee-based | Varies |
| CashNetUSA | Installment loans roughly $300 to $3,500 by state | Several months to a few years by product and state | High | Varies |
| Lendly | About $1,000 to $2,000 | Up to about 12 months | Moderate to high | Yes |
How to read this comparison
Compare personal loan lenders on three numbers first, the APR, the total of payments for your amount and term, and the fees, and only then on speed and convenience.
APR is the standardized annual cost, and it is the number that lets you compare a 6-month loan with an 18-month personal loan on equal footing. The total of payments tells you what the loan costs in dollars, which matters more for a small, short personal loan where a high APR may translate into a modest amount. Fees, especially origination fees and late fees, sit outside the headline rate on some products. Speed matters when the bill is due tomorrow, but paying an extra $300 in interest for a one-day advantage is rarely wise. Our rates guide explains how personal loan lenders arrive at their APR, and the calculator converts any APR and term into a monthly payment and total cost.
Lender profiles
Each profile below covers what the lender does well, where it falls short, and the situation in which it is a reasonable choice.
1. OppLoans
Installment loans for borrowers with limited or damaged credit, underwritten mainly on income and bank data.
| Loan amounts | Roughly $500 to $4,000 depending on state |
|---|---|
| Terms | 9 to 18 months |
| Rates | High; often well above 100% APR in many states |
| Notes | Chicago-area fintech, reports payments to the major credit bureaus |
OppLoans is one of the better-known online installment personal loan lenders serving borrowers whose credit scores fall below what banks accept. The underwriting relies heavily on income verification and bank account history rather than a traditional score, which is why many applicants who were declined elsewhere receive a personal loan offer here. Loan amounts commonly run from $500 to $4,000, with terms of 9 to 18 months and fixed monthly or bi-weekly payments that align with your pay schedule.
The trade-off is price. APRs are high, frequently well above 100% in states where that is permitted, so the loan makes sense only for a short, necessary expense you can repay quickly. To its credit, OppLoans reports on-time payments to the major bureaus, allows early payoff without penalty, and is transparent about its rates before you sign. Funding is typically by the next business day once approved. Compare its offer against what the Uplyft Capital network returns for the same amount; on identical terms, the lower APR wins.
2. NetCredit
Online Uplyft loans and lines of credit with amounts and rates that vary sharply by state.
| Loan amounts | Typically $1,000 to $10,000; lower in some states |
|---|---|
| Terms | 6 to 60 months |
| Rates | Wide range; from the mid-30s to above 150% APR by state |
| Notes | Part of Enova, a publicly traded online lender |
NetCredit offers personal installment loans and, in some states, revolving lines of credit. Its defining feature is variability: the amount you can borrow, the term, and the APR all depend on the state you live in because NetCredit operates under each state's lending rules. In some states it offers rates that are competitive for fair-credit borrowers; in others its APRs run above 100%. Terms stretch from 6 months to 5 years, which gives flexibility but also creates the risk of a long, expensive personal loan if you are not careful.
NetCredit uses a soft credit check to show you Uplyft Capital requirements and reports to at least two major credit bureaus, so on-time payments help your file. It also provides a clear payment schedule before you commit. Because the minimum personal loan is often $1,000 or more, it is not ideal for the smallest emergencies. If you need $500 to $900, the Uplyft Capital network may have better-fitting partners.
3. Oportun
Mission-driven lender focused on borrowers with little or no credit history, with APRs capped at 36%.
| Loan amounts | About $300 to $10,000 |
|---|---|
| Terms | 12 to 54 months |
| Rates | Capped at 36% APR |
| Notes | Certified Community Development Financial Institution |
Oportun stands out on this list for one reason: it caps its APRs at 36%, which is the ceiling consumer advocates generally consider the boundary of affordable credit. The company built its model around borrowers with thin or no credit files, including many recent immigrants, and it reports payments to the bureaus so successful borrowers graduate to better rates over time. Loan amounts start near $300 and can reach $10,000 for repeat customers, with terms from about 12 to 54 months.
The trade-off is speed and availability. Oportun is not available in every state, and while online applications are supported, some applicants are asked to visit a location or provide additional documents, which can slow funding compared with fully digital lenders. Its rates are excellent relative to other personal loan lenders serving the same credit tier. If you qualify and can tolerate a day or two more for funding, it is worth comparing against any offer you receive.
4. RISE Credit
Online installment loans of $500 to $5,000 with a rate-reduction program for on-time borrowers.
| Loan amounts | $500 to $5,000, varying by state |
|---|---|
| Terms | 4 to 26 months |
| Rates | High; roughly 60% to nearly 300% APR by state |
| Notes | Operated by Elevate Credit, Fort Worth, Texas |
RISE Credit offers installment loans in the exact $500 to $5,000 range that Uplyft Capital focuses on, with terms from 4 to 26 months and funding often by the next business day. Its distinctive feature is a progressive rate program: borrowers who make on-time payments and take subsequent loans can see their APR fall over time. RISE also offers a five-day risk-free guarantee in which you can return the principal and owe nothing, and free credit score access.
Pricing is the concern. Depending on the state, APRs run from around 60% to nearly 300%, placing RISE firmly in the high-cost category. The rate-reduction path helps only if you become a repeat borrower, which is not the goal for most people. As with other high-APR personal loan lenders, a RISE personal loan is defensible for a small, short, urgent need and expensive for anything longer. Compare the total of payments on any RISE offer against a network offer for the same amount.
5. Integra Credit
Small online installment loans with same-day decisions and no hard credit check from major bureaus.
| Loan amounts | About $500 to $3,000 |
|---|---|
| Terms | Up to about 24 months |
| Rates | High; often 99% to 299% APR |
| Notes | Chicago-based online lender |
Integra Credit serves borrowers who need a few hundred to a few thousand dollars quickly and who may not qualify with prime personal loan lenders. It advertises fast decisions, next-business-day funding, and no hard inquiry with the major bureaus at application. Loan amounts commonly range from $500 to $3,000 and terms run up to roughly 24 months, with payments scheduled to your pay dates.
Integra's APRs are in the same high tier as OppLoans and RISE, often between 99% and 299%. It does report to a credit bureau and permits prepayment without penalty. The personal loan is a tool for a specific situation: an urgent, modest expense, repaid in a few months. Used that way, the dollar cost can be tolerable. Used for a $3,000 balance over two years, the interest can exceed the principal. The Uplyft Capital network frequently returns lower-APR offers for the same profile, so it is worth checking both.
6. Possible Finance
App-based small loans of up to about $500 repaid in four installments, designed to replace single-payment advances.
| Loan amounts | Up to about $500 |
|---|---|
| Terms | About 8 weeks in 4 payments |
| Rates | High APR on paper due to short term; flat fee structure |
| Notes | Seattle-based fintech, reports to all three bureaus |
Possible Finance is built for the smallest end of the market. Loans top out around $500, are repaid in four installments over roughly eight weeks, and are applied for entirely through a mobile app using your bank account history rather than a credit score. The company reports all payments to the three major bureaus, which makes it a credit-building tool for people with no file. It also allows borrowers to extend a payment date with a few taps rather than incurring a late fee.
Because the term is so short, the APR looks alarming on paper even though the dollar cost on a $300 personal loan is modest. Possible is not a solution for a $2,000 expense and does not pretend to be. It belongs on this list as the sensible answer to a very small, very short gap. For amounts above $500, the Uplyft Capital network is the better fit. Several Uplyft Capital reviews describe this exact situation.
7. Fig Loans
Small installment loans built as a lower-cost alternative for borrowers with poor credit, available in a limited set of states.
| Loan amounts | About $300 to $750 |
|---|---|
| Terms | 3 to 6 months |
| Rates | Moderate to high; roughly 36% to 199% APR by state |
| Notes | Houston-based, Certified B Corporation |
Fig Loans positions itself as a transparent, lower-cost option for people who would otherwise turn to storefront personal loan lenders. Amounts are small, typically $300 to $750, with terms of three to six months and fixed payments. Fig reports to the credit bureaus, does not charge late fees in most cases, and allows free rescheduling of payments. It also offers a credit-builder product for borrowers who want to establish history without an immediate cash need.
The limitations are geography and size. Fig operates in only a handful of states, and the loan amounts are too small for most of the situations discussed on this site. Its APRs, while high in absolute terms, are generally lower than the storefront alternatives it targets. For a very small, short-term need in a state it serves, Fig is a fair choice; for anything larger, compare it against the Uplyft Capital network.
8. MoneyLion
Banking app offering small cash advances and a credit-builder loan bundled with a paid membership.
| Loan amounts | Advances up to about $500; credit-builder loans up to about $1,000 |
|---|---|
| Terms | Advances repaid on next deposit; credit-builder loans 12 months |
| Rates | Advances are fee-based; credit-builder loan APR roughly 6% to 30% plus membership fee |
| Notes | New York fintech with a mobile banking platform |
MoneyLion is less a lender than a financial app with lending features. Its cash advance product provides small amounts against an upcoming deposit for optional fees, and its credit-builder loan of up to about $1,000 carries a moderate APR but requires a monthly membership. A portion of the credit-builder loan is held in a reserve account until you finish repaying, which means you do not receive the full amount up front.
For someone who wants a banking app and a slow credit-building tool, MoneyLion can be reasonable. For someone who needs $1,500 to $5,000 in their account tomorrow, it is not designed for that. The membership fee should also be added to the cost of the personal loan when you compare it with a straightforward personal loan offer from the Uplyft Capital network.
9. CashNetUSA
Established online lender offering installment loans and lines of credit in a limited set of states.
| Loan amounts | Installment loans roughly $300 to $3,500 by state |
|---|---|
| Terms | Several months to a few years by product and state |
| Rates | High; varies widely by state and product |
| Notes | Part of Enova, sister brand to NetCredit |
CashNetUSA is one of the older online lenders in the small-dollar space and offers installment loans and revolving lines of credit in the states where it is licensed. Applications are quick, decisions are often instant, and funding can be same-day if you are approved early in the business day. The company is transparent about its state-specific rate tables, which is helpful for comparison, and it offers a small loyalty discount for repeat customers.
Its pricing is in the high tier, and its product lineup includes short-term structures that we do not recommend for anything but the smallest, briefest needs. Focus on its installment loan if you consider it, and compare the total of payments against a network offer. Because CashNetUSA and NetCredit share a parent company, do not expect a meaningfully different underwriting outcome between the two.
10. Lendly
Payroll-deducted Uplyft loans for employed borrowers, with the personal loan payment taken directly from your paycheck.
| Loan amounts | About $1,000 to $2,000 |
|---|---|
| Terms | Up to about 12 months |
| Rates | Moderate to high; often below many online alternatives |
| Notes | Works with borrowers' employers for direct-deposit repayment |
Lendly takes an unusual approach: instead of pulling payments from your bank account, it arranges for a portion of your paycheck to be deposited directly to Lendly through your employer's direct deposit split. Because repayment is nearly automatic, Lendly can offer lower rates than many personal loan lenders serving the same credit tier. Loans typically range from $1,000 to $2,000 with terms up to about a year, and the lender reports to the credit bureaus.
The requirement to redirect part of your pay is the main limitation. Not every employer's payroll system allows split deposits, and some borrowers are uncomfortable involving their payroll department at all. Lendly is also not available in every state. For an employed borrower who qualifies, it is a competitive choice for a mid-sized personal loan; for amounts above $2,000 or for self-employed applicants, the Uplyft Capital network offers more options.
Patterns across the market
Small-dollar Uplyft loans fall into three price tiers, a capped tier near 36% APR, a middle tier in the high double digits, and a high-cost tier above 100%, and the tier you land in is determined mostly by your credit profile and your state.
Lenders in the capped tier, such as Oportun, serve fewer borrowers because they decline more applications. Lenders in the high-cost tier approve more people and charge accordingly. Neither is dishonest; they are different businesses. The mistake borrowers make is treating a high-cost personal loan as a long-term product. It is a short-term tool. If your only offers are in the high tier, borrow the minimum, choose the shortest term, and use the on-time payments to move into a lower tier next time.
The second pattern is state variation. The same lender can charge 35% in one state and 150% in the neighboring one because state law sets the ceiling. Your state is a fixed input; your credit profile is the one you can improve. Our post on credit scores and personal loan rates explains which improvements are fastest.
How Uplyft Capital fits in
Uplyft Capital sends one request to multiple lenders across these tiers, which lets you see a real offer without applying to each company separately, and you can compare that offer against this page before accepting.
A single request through our network takes a few minutes and involves no fee and, with most partners, no hard credit inquiry until you accept. If the personal loan offer you receive is priced below what comparable personal loan lenders on this page charge for your profile, it is a good offer. If it is priced above, decline it. The request is non-binding, and Uplyft Capital reviews from borrowers who declined an offer are as welcome on the Uplyft Capital reviews page as those from borrowers who accepted.
Red flags when comparing any lender
Walk away from any lender that requires a fee before funding, guarantees approval, pressures you to decide within minutes, or will not show the APR and total of payments in writing before you sign.
Legitimate personal loan lenders, including every company on this page, disclose the APR, the payment schedule, and all fees before you commit, and none of them charge an upfront fee to process the loan. Our guide to spotting personal loan scams lists the tactics fraudulent operators use and how to verify a lender's license in your state.