CLEARBORROW · UPDATED NOVEMBER 12, 2026

Lender and app reviews

Desk-researched reviews of the 13 loan-matching services, cash advance apps and credit-building plans in our directory. Each review shows the published amount, APR or fees, states excluded and what we could not verify. Listings are alphabetical, not ranked.

Advertising disclosure. We may earn a commission when you use a partner link. We list selected partners, not every option. How this works ↗

Loan matching services

They pass your request to a network of lenders. The lender you are matched with sets the price and signs the agreement.

50KLoans review$500–$50,000 · Varies; conflicting disclosures. A connection service for personal and installment loan requests. It does not issue the loan.Read the review →BadCreditLoans review$500–$10,000 · Set by the matched lender. Routes requests to lenders and may also show credit-related services. A request is not an approval.Read the review →Big Buck Loans review$100–$5,000 · 5.99%–35.99% advertised*. An online matching service for smaller borrowing requests, rather than a direct lender.Read the review →CashTodayAsap review$100–$5,000 from many network lenders · Set by the matched lender; not published to us. A marketplace that passes your loan request to a network of lenders. It is not a lender and does not make credit decisions.Read the review →Honest Loans reviewUp to $50,000 advertised · Set by the matched lender. Connects borrowers with third-party lenders for several loan types. Approval and funding depend on the lender.Read the review →LendYou reviewConflicting limits: see details · Product-specific; can be very high. A referral service with conflicting published amount limits and high-cost product disclosures. The lender decides the final offer.Read the review →Low Credit Finance reviewConflicting limits: $5,000 / $50,000 · 5.99%–35.99% advertised*. A lender-matching website with inconsistent amount limits across its homepage.Read the review →PersonalLoans review$250–$35,000 · 5.99%–35.89% generally advertised. A matching service with an advertised range for lender APRs and repayment periods. The actual offer can differ by profile and lender.Read the review →The Lending Station reviewUp to $5,000 installment loans · Installment: 6.63%–485% disclosed. An advertising referral service. Its disclosures distinguish installment loans from smaller cash advance loans.Read the review →Viva Payday Loans review$100–$5,000 · 5.99%–35.99% advertised*. A loan-matching service. Decisions are made by third-party lenders after their checks.Read the review →

Cash advance apps

They advance part of an expected deposit and recover it automatically. Costs come from optional fees, not interest.

Grant Cash Advance review$25–$500 for eligible repeat users · No interest; fees can apply. A paycheck-linked cash advance app, not a loan. The developer reports an average advance of $66 for eligible first-time users and $155 for repeat users (March–May 2026 data), well below the $500 maximum.Read the review →

Credit building

These do not provide cash. You pay into a plan and the payments are reported to credit bureaus.

Kovo reviewCredit-building purchase plan · Not a cash-loan comparison. A credit-building installment product with payment reporting to four credit bureaus. It belongs in a separate category from cash borrowing.Read the review →

Offer directories

They list other companies’ offers and send you to them.

CrediHelp reviewVaries by listed provider · Not independently confirmed. A directory that redirects visitors to financial offers, rather than a single loan with a uniform rate.Read the review →

All services side by side

Published figures only. They are not offers and do not tell you which service will approve you.

Service	Type	Advertised amount	APR / cost	Repayment	States excluded
50KLoans	Loan matching	$500–$50,000	Varies; conflicting disclosures	61 days–72 months advertised	10
BadCreditLoans	Loan matching	$500–$10,000	Set by the matched lender	90 days–72 months generally	–
Big Buck Loans	Loan matching	$100–$5,000	5.99%–35.99% advertised*	61 days–72 months advertised	–
CashTodayAsap	Loan matching	$100–$5,000 from many network lenders	Set by the matched lender; not published to us	Set by the matched lender	–
Honest Loans	Loan matching	Up to $50,000 advertised	Set by the matched lender	Set by the matched lender	–
LendYou	Loan matching	Conflicting limits: see details	Product-specific; can be very high	Set by the matched lender	5
Low Credit Finance	Loan matching	Conflicting limits: $5,000 / $50,000	5.99%–35.99% advertised*	Confirm with the matched lender	10
PersonalLoans	Loan matching	$250–$35,000	5.99%–35.89% generally advertised	Conflicting published term ranges	–
The Lending Station	Loan matching	Up to $5,000 installment loans	Installment: 6.63%–485% disclosed	Set by the matched lender	5
Viva Payday Loans	Loan matching	$100–$5,000	5.99%–35.99% advertised*	61 days–72 months advertised	–
Grant Cash Advance	Cash advance	$25–$500 for eligible repeat users	No interest; fees can apply	Typically next paycheck or deposit	–
Kovo	Credit building	Credit-building purchase plan	Not a cash-loan comparison	24 months	–
CrediHelp	Comparison directory	Varies by listed provider	Not independently confirmed	Varies by listed provider	–

Independent lender reviews

Lenders that are not ClearBorrow partners, reviewed from their own published terms. We earn nothing from them.

Upstart reviewAvant reviewOneMain reviewUpgrade reviewLendingClub (Happen Bank) reviewBest Egg reviewSoFi reviewCreditNinja reviewOportun reviewNetCredit reviewOppLoans reviewRISE Credit review

How we review

Each review is based on the provider’s own public pages and disclosures, with the review date shown. We do not borrow from each service or verify state licenses. Where a provider’s pages contradict each other, the review says so instead of picking the better number. Read the full methodology and our guide to matching services vs direct lenders.