AurelisIQ Independent lender directory
Subprime Lender Reviews
We've researched 58 lenders that serve borrowers with bad, poor, or no credit. This is not a "best of" list — it's an honest directory showing real APRs, fees, complaints, and regulatory actions so you can make an informed decision.
58 lenders reviewed 31 with disclosed APR 41 tribal-affiliated 12 report to credit bureaus
Browse by State
See which lenders serve your state with real availability data.
Browse by Credit Type
Installment Loan (18)
OppLoans / OppFi
Installment Loan APR 160–195%
Amount $500 – $5,000
Speed Same day (as soon as same business day)
Trustpilot 4.7/5 BBB A+
Rise Credit
Installment Loan APR Not disclosed
Amount $500 – $5,000
Speed Next business day (if approved before 6PM ET)
Trustpilot 4.3/5 BBB Not prominent
Plain Green Loans
Installment Loan APR 199–699%
Amount $200 – $4,500
Speed Same-day if approved by 9:30 AM MT
Trustpilot 4.7/5 BBB B (not accredited)
Arrowhead Advance
Installment Loan APR 200–830%
Amount $100 – $1,500
Speed Not stated
Trustpilot 1.7/5 BBB F (BBB — unresponsive to complaints)
Bison Green
Installment Loan APR 399–673%
Amount $200 – $2,500
Speed Same-day (before 1:30 PM MST, $20 fee); next business day (free)
BBB Not BBB accredited No hard credit check
Fox Hills Cash
Installment Loan APR 214–780%
Amount $200 – $1,000
Speed Next business day after approval
BBB B+ (some sources C−; Business Consumer Alliance: F) No hard credit check
eLoanWarehouse
Installment Loan APR Not disclosed
Amount $300 – $3,000
Speed Not stated
Trustpilot 1.03/5 BBB A+ (reflects complaint responsiveness, NOT customer satisfaction) No hard credit check
Bright Lending
Installment Loan APR 500–700%
Amount $200 – $1,000
Speed Not stated
BBB Not found No hard credit check
River Valley Loans
Installment Loan APR Not disclosed
Amount $200 – $3,000
Speed Not stated
BBB Not found No hard credit check
CreditCube
Installment Loan APR 779.97%
Amount $200 – $5,000
Speed Not stated
BBB Not found No hard credit check
Uprova
Installment Loan APR Not disclosed
Amount $300 – $5,000
Speed Not stated
BBB Not confirmed No hard credit check
Blue Mountain Loans
Installment Loan APR 59.99–660%
Amount $200 – $1,200
Speed Not stated
BBB F BBB No hard credit check
Little Lake Lending
Installment Loan APR 199–490%
Amount $300 – $2,500
Speed Same-day / weekend available
BBB Not found No hard credit check
Buffalo Lake Lending
Installment Loan APR Not disclosed
Amount $200 – $2,000
Speed Not stated
BBB Not found No hard credit check
RiseUp Lending
Installment Loan APR Not disclosed
Amount $200 – $5,000
Speed Not stated
BBB Not found No hard credit check
ZocaLoans
Installment Loan APR 795%
Amount $200 – $1,500
Speed Not stated
BBB Not found No hard credit check
Lendgreen
Installment Loan APR Not disclosed
Amount $300 – $5,000
Speed Not stated
BBB Not found No hard credit check
Lendumo (LendUMo)
Installment Loan APR Not disclosed
Amount $300 – $5,000
Speed Not stated
BBB Not found No hard credit check
Line of Credit (revolving) (3)
CreditFresh
Line of Credit (revolving) APR Not disclosed
Amount $500 – $15,000
Speed Same business day (if draw before funding cut-off)
Trustpilot 4.5/5 BBB Not prominent
Amplify Funding
Line of Credit (revolving) APR 4.95–35.95%
Amount $300 – $2,500
Speed Not specified
BBB Not listed / No BBB accreditation
Mobiloans
Line of Credit (revolving) APR 206–442%
Amount $200 – $3,000
Speed Next business day if approved before 4PM CT
Trustpilot 4/5 BBB Not BBB accredited (high complaints)
Installment Loan (payday alternative) (1)
Installment Loan OR Line of Credit (1)
Installment Loan (short-term) (10)
Explore Credit
Installment Loan (short-term) APR Not disclosed
Amount $100 – $2,000
Speed Decision in minutes; funding speed not stated
Trustpilot 4.6/5 BBB Not listed
Green Arrow Loans
Installment Loan (short-term) APR 825%
Amount $200 – $1,500
Speed Next business day if approved before 5PM MST Mon–Fri
Trustpilot 3/5 BBB Not listed
Greenline Loans
Installment Loan (short-term) APR Not disclosed
Amount $100 – $2,000
Speed Next business day if approved before 5PM MST Mon–Fri
BBB Not listed
Spotloan
Installment Loan (short-term) APR 490%
Amount $300 – $1,500
Speed Not stated
BBB Not found No hard credit check
ReadySetGo Finance
Installment Loan (short-term) APR Not disclosed
Amount $200 – $1,200
Speed Next business day (if signed by 4 PM PST)
BBB Not accredited; BB Business Consumer Alliance No hard credit check
Evergreen Cash
Installment Loan (short-term) APR Not disclosed
Amount $200 – $1,000
Speed Not stated
BBB Not found No hard credit check
Mountain Summit Financial
Installment Loan (short-term) APR 440–919%
Amount $300 – $1,500
Speed Not stated
BBB Not found No hard credit check
Majestic Lake Financial
Installment Loan (short-term) APR 440–950%
Amount $300 – $1,500
Speed Not stated
BBB Not found No hard credit check
Condor Credit
Installment Loan (short-term) APR Not disclosed
Amount $200 – $2,500
Speed Not stated
BBB Not found No hard credit check
WithU Loans
Installment Loan (short-term) APR Not disclosed
Amount $300 – $2,500
Speed Not stated
BBB F BBB (343 complaints) No hard credit check
Installment Loan (tribal) (1)
Personal / Installment Loan (1)
Payday Loan + Installment Loan + Title Loan (1)
Payday Loan + Installment Loan (1)
Line of Credit + Installment Loan + Payday (varies by state) (1)
Earned Wage Access (EWA) + Credit Builder Loan + LOC (1)
Personal Installment Loan (5)
Avant
Personal Installment Loan APR 9.95–35.99%
Amount $2,000 – $35,000
Speed Next business day possible if approved
BBB Not prominently stated
Inbox Loan
Personal Installment Loan APR Not disclosed
Amount $200 – $5,000
Speed Not stated
BBB Not found / Not licensed in WA No hard credit check
American Web Loan
Personal Installment Loan APR 199–434%
Amount $300 – $2,500
Speed Not stated
BBB Not found No hard credit check
Clear Creek Lending
Personal Installment Loan APR 390–448.76%
Amount $300 – $2,500
Speed Not stated
BBB Not found No hard credit check
Patria Lending
Personal Installment Loan APR Not disclosed
Amount $300 – $2,500
Speed Not stated
BBB Not found No hard credit check
Personal Installment Loan (unsecured + secured) (1)
Personal Installment Loan + Auto Loan (1)
Installment Loan + Line of Credit (payroll-based) (1)
Personal Installment Loan (employer-sponsored benefit) (1)
Personal Installment Loan + Auto + Home (1)
Line of Credit + Flex Loan (1)
LEAD AGGREGATOR / Referral Service — NOT a direct lender (1)
Line of Credit (2)
Installment Loan (short-term / payday) (1)
Installment + Cash Advance (1)
Installment Loan — ⛔ CEASED OPERATIONS November 2021 (1)
Installment Loan — ⛔ NOT ACCEPTING NEW APPLICATIONS (Nov 2025) (1)
Cash Advance + Installment Loan (1)
How We Review Lenders
We don't endorse any lender. Our reviews are based on publicly available data: official rate disclosures, BBB and Trustpilot ratings, CFPB complaint databases, state regulatory filings, and the lenders' own terms and conditions. We calculate real-dollar costs at standard loan amounts ($500, $1,000, $2,500) so you can compare what you'll actually pay back.
Many of these lenders charge APRs between 100% and 800%. We include them because for some borrowers with bad or no credit, these may be the only available options — but we believe you deserve to know the full cost before you borrow.