Loans like Lendly, sorted by how they work.
Three families of lenders serve the same person Lendly serves: someone with a paycheck, imperfect credit and a bill that can't wait. They differ in cost, size and how you pay them back. Here they are side by side, cheapest first within each group.
Cheaper first stops.
Try these before any triple-digit APR. They're slower or narrower, but the price difference is enormous.
Credit union PAL
Payday alternative loans from federal credit unions.
- Amount
- $200–$1,000
- Cost
- APR capped at 28%
- Catch
- Membership, often a month of history
Provider payment plan
Ask the hospital, mechanic or landlord to split the bill.
- Amount
- The bill itself
- Cost
- Often 0%
- Catch
- Not every provider offers one
Employer loan programs
Payroll-deduction loans offered as a workplace benefit.
- Amount
- $500–$12,000 (BMG Money)
- Cost
- 19.99%–35.99% APR
- Catch
- Your employer must participate
Repaid from your paycheck.
Lendly's closest relatives. The paycheck does the paying, which is why they approve people banks decline.
Lendly
CC Connect installment loan and CC Flow line of credit, issued by Quill Bank.
- Amount
- $1,000–$2,000 loan; $300–$1,500 line, grows to $5,000
- Cost
- 175%–225% APR; flat fee per cycle on the line
- Speed
- 1 hour (line), 24 hours (loan)
- Employer
- Any employer whose payroll splits deposits
BMG Money
LoansAtWork, repaid by payroll deduction; loans by WebBank.
- Amount
- $500–$12,000
- Cost
- 19.99%–35.99% APR; many loans carry a 5% origination fee
- Speed
- 1–2 business days, instant available
- Employer
- Must be a participating employer or federal/retiree program
FinFit and similar
Financial-wellness platforms with employer-sponsored loans.
- Amount
- Varies by employer program
- Cost
- Typically far below Lendly
- Speed
- Days
- Employer
- Must be offered through your workplace
Bank-partner installment lenders.
Online lenders for subprime borrowers, repaid from your bank account. Bigger amounts than Lendly, no payroll link, still expensive.
OppLoans
Installment loans from OppFi, positioned as a payday alternative.
- Amount
- $500–$5,000
- Cost
- 99%–195% APR (commonly 160%–195%)
- Speed
- Same or next business day
- Credit
- No hard inquiry to apply; reports payments
NetCredit
Online installment loans and lines of credit.
- Amount
- Higher limits than Lendly
- Cost
- Varies widely by state; some below Lendly
- Speed
- Next business day
- Credit
- Credit check; reports payments
RISE Credit
Installment loans, in some states also made through Quill Bank.
- Amount
- Wider range than Lendly
- Cost
- High; rates can step down with on-time payments
- Speed
- Next business day
- Credit
- Credit check; reports payments
Cash advance and earned wage apps.
Small amounts, repaid next payday. Cheapest for a short gap, useless for a $1,500 transmission.
EarnIn
Access wages you've already earned before payday.
- Amount
- Up to $150/day, $1,000 per pay period
- Cost
- No mandatory fees; instant transfer $1.99–$5.99; optional tips
- Speed
- Minutes (with fee) or 1–2 days
- Credit
- No check, no reporting
Dave
Small advances plus budgeting tools.
- Amount
- Small advances, typically a few hundred dollars
- Cost
- Membership and express fees rather than APR
- Speed
- Minutes with express fee
- Credit
- No check
Brigit
Advances bundled with a fixed monthly subscription.
- Amount
- Small advances
- Cost
- Fixed monthly fee, no tips
- Speed
- Minutes
- Credit
- No check
Competitor terms change often and vary by state. Figures are from public rate pages and reviews checked in September 2026; confirm on each lender's site.
Pick by your situation, not by the ad.
The right lender depends on three things: how much you need, how fast, and what your employer offers. Match yourself to a card.
EarnIn or Dave. Skip the tip and the express fee if you can wait a day.
Lendly vs EarnInBMG Money or FinFit at a fraction of Lendly's rate. Check HR first, always.
Lendly vs BMG MoneyThe fastest of the group, with payments that come out of your paycheck automatically.
CC Connect loanBigger loans and a somewhat lower rate, repaid from your bank account.
Lendly vs OppLoans
Alternative questions, answered.
What loans are most like Lendly?
The closest matches are other payroll-deduction lenders such as BMG Money's LoansAtWork, which repay through your employer, and bank-partnership lenders for subprime borrowers such as OppLoans, NetCredit and RISE, which repay from your bank account.
What is the cheapest alternative to Lendly?
If your credit union offers a payday alternative loan (PAL), it is capped at 28% APR for $200 to $1,000 and is the cheapest option here. Employer loan programs like BMG Money (19.99%–35.99% APR) are next, if your employer participates.
Are cash advance apps cheaper than Lendly?
For a few hundred dollars repaid on your next payday, usually yes: EarnIn has no mandatory fees, with optional instant-transfer fees of a few dollars and optional tips. They don't scale to $1,000+ needs the way an installment loan does.
Which alternative is best for bad credit?
OppLoans doesn't run a hard credit inquiry to apply and funds as soon as the same business day; BMG Money doesn't use FICO scores at all but requires a participating employer. Lendly weighs your paycheck over your score.
Can I have Lendly and another lender at the same time?
Lendly allows one CC Connect loan at a time, but doesn't restrict loans elsewhere. Stacking high-cost loans is the fastest way into a debt spiral; compare and pick one.
Decided Lendly fits? Check your offer in five minutes.
See your amount and the full cost before you sign. No employer benefit required.