128+ iOS apps curated and reviewed
Upstart is the household name in instant loans for bad credit, but it's far from the only option. We track 128+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.
| # | App | Price | Rating | Ads | In-App Purchases | Updated |
|---|---|---|---|---|---|---|
| 1 |  | Free | 4.9★ (38K) | No | No | Aug 2026 |
| 2 |  | Free | 4.8★ (2.3K) | No | No | Aug 2026 |
| 3 |  | Free | 4.2★ (366) | No | No | Aug 2026 |
| 4 |  | Free | — | No | No | Aug 2026 |
| 5 |  | Free | 5.0★ (3) | No | No | Jul 2026 |
| 6 |  | Free | — | No | No | Aug 2026 |
| 7 |  | Free | 4.8★ (258K) | Yes | No | Aug 2026 |
| 8 |  | Free | 4.8★ (134K) | No | No | Aug 2026 |
Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.
Quickly compare cash advances, personal loans up to $1,500, and credit cards in one place. Understand potential costs and key terms upfront to make informed financial decisions.
This app offers a new approach to lending, providing loans based on trust rather than solely on credit history. It allows users to view their loan details, access statements, make secure payments, and apply to borrow more.
Apply for loans up to $4,000 with funds deposited directly into your bank account. Manage your repayment options, make payments, and access referral codes to earn extra cash. Offers installment, full, or early/partial payment options.
Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.
Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.
This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.
Access fast, digital loans for unexpected expenses or opportunities. Get approved quickly and receive funds directly to your bank account with a paperless process. Offers flexible repayment terms and transparent pricing.
Access instant cash advances and personal loans regardless of credit score. Borrow or lend money with flexible terms and transparent fees. Explore money-saving tools and passive income opportunities.
Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.
Access quick cash advances between $25 and $500 without a credit check. Cover essential bills or unexpected expenses with same-day delivery options. Repay automatically with your next paycheck.
This app provides educational resources and tools to help users understand borrowing money, compare loan terms, and manage their credit health. It offers articles on various loan types, an APR comparison tool, and a loan calculator for informed financial planning.
Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.
This app connects you with potential lenders for cash advances and loans. It provides transparent terms, including APR and repayment timelines, with no credit check required to browse offers. Explore options up to $900 with a seamless mobile experience.
Access funds up to $625 without credit checks or earn money by lending to others. This community finance platform offers a banking solution and AI-powered financial advice. It ensures no hidden fees and provides a safety net for its members.