Loans Like Oportun | 5 Best Oportun Alternatives in 2021

Sometimes we can be cash-strapped, and the only option available is the need to get a quick loan that is flexible in the repayment plan. It is no longer news that several fast loan providers exist. One of the most popular and reliable fast personal loan providers is the Oportun loan.

However, due to different state licenses and regulations, your location might make you not be eligible to get Oportun Personal Loan. But don’t sweat it, there are other fast personal loans like Oportun, and it is recommended that you try any of these personal loans out and rid yourself of any financial burden quickly.

Loans Like Oportun – #1 Alternative: Viva Payday Loans


Loan Amounts Loan Terms APR Range Loan Fees Customer Support
Oportun Loan $300 – $10,000 14 days – 12 months ≥ 35.95% Phone: Yes
Email: Yes
Shopfront: Yes
Viva Payday Loan $100 – $5,000 2 – 24 months 5.99% – 35.99% Phone: No
Email: Yes
Shopfront: No


Loan Amounts Loan Terms APR Range Loan Fees Customer Support
Oportun Loan $309 – $10,000 14 days – 12 months ≥ 35.95% Phone: Yes
Email: Yes
Shopfront: Yes
Cash Central Loans $300 – $5,000 6 months – 24 months ≥ 180% $25 – $75 Phone: Yes
Email: Yes
Shopfront: Yes
Big Picture Loans $200 – $3,500 4 – 18 months 350% – 699% Phone: Yes
Email: Yes
Shopfront: No
Check City Loans $100 – $2,500 ≥  62 days 182.5% – 912.5% $20 – $100 Phone: Yes
Email: Yes
Shopfront: Yes
NetCredit $1,000 – $10,000 0 – 60 months 34% -155% Phone: Yes
Email: Yes
Shopfront: No


Best Loans Like Oportun Loans – Quick-Pick:

Oportun loan is one of the best fast loan providers out there. With affordable APRs, quick application, flexible repayments, and the opportunity to take a secured personal loan, it is not surprising that everybody is looking for loan providers like Oportun loans.

Given that your state of residence might not be eligible to apply for an Oportun loan, are some best alternatives you must consider

  1. Viva Payday Loans – Best Reliable and Affordable.
  2. Cash Central Loan – Fast funding and multiple repayment options.
  3. Big Picture Loan – Quick loan provider within minutes.
  4. Check City Loan – Quick loan funding with fast application approval.
  5. NetCredit – Good loan provider for huge cash.

What Are Oportun Loans?

Oportun Loan is a personal and fast loan provider that offers a very low APR rate and mouth-watering repayment plans. Oportun loan also offers specialized personal loans that can be as high as $12,000 at a go. The application and approval process is conducted within minutes, while the payment is made to the borrower the same day.

Common uses of Oportun Loans

Oportun loan is a good choice if you are looking for loans to pay for bills like home improvement, car repairs,  medical bills, vacations, unexpected expenses, rental deposits, etc.

How To Qualify For Loans Like Oportun Loans

To qualify for loans like Oportun loans is quite easy. You only need to provide a few of your regular documents such as  your Identity details, proof of address, your regular income details, the recurring monthly expenses, your current credit score, and finally, the purpose for the personal loan

Top 5 Oportun Loan Alternatives

1. Viva Payday Loans – Overall Best Alternative to Oportun

Viva Payday Loan is your best bet for a fast loan to pay for your urgent bills. The whole process, including the application, approval, and fast payment, is conducted online without unnecessary delay. Viva Payday Loan requires no application fee. The APR is quite low compared to many payday loan providers out there. Viva Payday Loan is known for its reliability and flexible payments plan. You can apply now.

Table of APR rate, loan amount range, loan term range, and star rating.

Lender Loan Amount Terms of Condition APR Fees Star Rating
Viva Payday Loans $100 – $5,000 2 to 24 months 5.99% – 35.99% 25% 10/10


  • Viva Payday Loans provides fast loan payout to borrowers
  • The Loan range available to borrowers stand between $190 to $5,000
  • Borrowers need only 5 minutes for the whole application process.
  • For application approval, the process only takes 2 minutes after a request.
  • Borrowers are offered flexible repayment plans where borrowers can decide to pay between 2 months to 24 months.


  • Viva Payday Loans is inaccessible in all states.

For a quick, reliable, and affordable loan that can be easily assessed borrowers without presenting too many details, Viva Payday Loan is simply for you.

2. Cash Central Loan – Good for Short Term Loans

Cash Central Loan provides borrowers with fast loans that have several repayments options. A borrower can easily get a loan between $300 to $5,000 to pay any emergency bills.

The process is quick and can be completed daily, including loan application, approval, and cash payment to the borrower. For borrowers, it is “quick help for life’s emergencies,” according to the Cash Central Loan slogan.

Table of APR rate, loan amount range, loan term range, and star rating.

Lender Loan Amount Terms of Condition APR Fees Star Rating
Cash Central  Loans $300 – $5,000 6 to 24 months ≥ 180% $25 – $75 9/10


  • Borrowers have various repayment duration alternatives to pick
  • The whole process is highly fast, including payment of cash to the borrower.


  • It is only available in some states
  • There is an application fee and late payment charges.

Cash Central Loan is a good choice if you are looking for a fast loan with adaptable repayment options. Check them out today.

3. Big Picture Loans – Loans with Guaranteed No Credit Checks

Big Picture Loans

Big Picture Loans is one of the best fast loan providers you can easily approach. Since its establishment, Big Picture Loans has approved almost 100% of the loan application request. This shows that borrowers have a high chance of getting loan requests without being screened out. Though Big Picture Loan has affiliation to the Native American tribes, nonetheless, it is readily available to offer borrowers fast cash between $200 and $3,500. You can contact them today.

Table of APR rate, loan amount range, loan term range, and star rating.

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


  • Borrowers get their loan application approved within minutes, and money gets deposited into their account within 24 hours.
  • Even borrowers with poor credit are not exempted from getting fast loans.
  • Borrowers don’t need to worry about repayment penalties.
  • The fast loan is available in all the 50 states in the United States, including the District of Columbia.
  • There is a favorable “Financial Wellness” program that helps borrowers to boost their financial health.


  • Failure to pay when due leads to extra charges for returned payments, late payments, and non-payments in case of a default in a repayment plan
  • Due to the high APR rates, it is considered the most expensive fast loan provider.
  • A quick loan provider but comes with the highest interest rates for borrowers.
  • Complaints of the poor customer service department from past borrowers’ review
  • There is a tendency not to follow the state rules and regulations because of their affiliation with Native American tribes.

Best choice if you are a borrower with a bad credit score. It is also a good choice as it is available in all the fifty states of the United States.

4. Check City Loans – Best for No Guarantor Loans

Check City

Check City Loans provides borrowers with different payday loans. However, they request loan application fees ranging from $20 to $100. Their fast loans are generally a short-term source of credit.

Check City Payday Loans usually grant the borrowers a credit approval decision within 60 minutes and equally fund the loan within a maximum of 3 business days.

Table of APR rate, loan amount range, loan term range, and star rating.

Lender Loan Amount Terms of Condition APR Fees Star Rating
Check City Loan $100 – $2,500 ≥ 62 days 182.5% – 912.5% $20 – $100 9/10


  • Quick loan application and fast approval.
  • The payment rate to borrowers is considerably fast.
  • Borrowers can easily meet the requirements.


  • There is a loan application fee.
  • The APR is considerably high
  • It is not in all states in the United States.

For fast loans with little application requirement, you should consider Check City Loans. It is ft really good for short-term use or emergency bill.

5. NetCredit Loans – Low APR on Quick Loans

NetCredit Loan is a good fast loan provider for many Americans. Eligible borrowers have the opportunity to borrow between $1,000 to $10,000. For borrowers looking for a quick and huge loan, this is a good option. Borrowing from NetCredit Loans is incredibly quick and reliable.

Typical borrowers with bad credit scores need not worry, as there is a high chance of getting fast loans when they meet other loan requirements. Having headquarters in Chicago, Net Credit fast loan is your best bet for a small business and a big budget.

Table of APR rate, loan amount range, loan term range, and star rating.

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 provides borrowers with their loans within 24 hours of approval of loan application.
  • A minor credit background check is required for pre-qualification, thus, giving borrowers with bad credit scores a good opportunity to have fast loans.
  • It is perfect for big-budget or huge emergency financial necessities.


  • There are high-interest rates when compared with other bad-credit lenders.
  • There is a need for an application fee before the loan request is finally approved.
  • In some cases, the loan payments may not be readily considered a portion of the principal repayment.

Net Credit Loan is quite economical than many other fast loans providers that offer huge loans. However, when compared to some short-term loans, they are still considered fairly expensive. Regardless, NetCredit Loan provides big cash within a day or two, something you can hardly find among other fast loan providers.


Features of Viva Payday Loans

Viva Payday Loan is no doubt the most reliable fast loan provider in America. The whole loan arrangement process is incredibly quick. From the application stage to approval and eventual payment process to the borrower’s account is quicker. Viva Payday Loan process is easy, precise, fast, and credible to every borrower in the United States to access and obtain.

How to Get Loans Like Oportun Loans

Oportun Loan is a popular fast or payday loan but not available in all the states across the federation of the United States. Therefore, if you reside in states like Texas or Ohio, it is advisable to consider the best fast loan alternatives like Viva Payday Loan that offer incredible services, loan rates, and flexible deals. To assess quick loans from Viva Payday Loan, proceed with these steps:

Step 1: Visit Viva Payday Loans

Quickly open or visit Viva Payday Loans’ website on your computer or smartphone. The website to visit is The website is easier to navigate, with responsive customer support to provide quick and clear guidance when borrowers are having difficulty.

Step 2: Complete the Application Form

Gather all the relevant requirements ready before starting the application online.  This will help you determine your legibility for the Viva Payday Loan beforehand. The things you need as the requirements for the application include the following:

  • 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.

If you have all the aforelisted information readily available, you can then start your application process. The whole registration process should not last you more than 5 minutes to complete the registration.

Step 3: Get your Decision

In most cases, the decision response from Viva Payday Loan is quick and straightforward. Generally, the response for approval takes nothing more than 2 minutes of your time as you wait to get approved, except you failed to meet the requirements asked during the application. Therefore, it is suggested borrowers don’t leave their computer or drop the phone shortly after they finish their loan application request from Viva Payday Loan. Just wait for a little for their instant response.

Step 4: Receive your Loan

The process and time for obtaining your loan from Viva Payday Loans are simple and easy. Usually, it takes nothing more than 24 hours after the loan application request has been approved by Viva Payday Loans. Subsequently, the borrowers’ bank accounts would receive the loan money directly from the Viva Payday Loans as requested.

Request Your 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.