Loans Like Crane Finance

Are you trying to find flexible financing solutions? What are loans like for Crane Finance? Read this comprehensive guide for the best alternatives, like Beem, Upstart, MoneyLion, Avant, etc.
Loans Like Crane Finance
Loans Like Crane Finance
Let us learn about alternatives to Crane Finance that provide individualized loan plans to accommodate different budgetary needs. Dive in!
In this article

While Crane Finance undeniably offers a solid financial foundation for businesses, the financial landscape beckons exploration beyond singular avenues.

Diversifying the approach to include alternatives like traditional equipment loans, leasing arrangements, and Equipment Financing Agreements (EFAs) can give enterprises a broader spectrum of benefits. 

The allure of these options lies in their adaptability, offering tailored solutions to meet diverse financial needs. While Crane Finance excels in its niche, considering the broader financial tableau ensures businesses can orchestrate a nuanced strategy, aligning capital deployment with their unique operational exigencies and fiscal aspirations.

15 Best Loans Like Crane Finance

Loan AppProsCons
BeemLimited amounts, and express funding fees, require Dave checking account
LendingClubAccessible (easier to qualify for than traditional banks), competitive interest rates, variety of accountsPotentially high APRs, minimum deposit requirements
Possible FinanceFaster access to funds, potentially lower cost than payday loans, longer repayment term, reports to credit bureausHigh cost of borrowing (triple-digit APRs), short repayment term, limited availability, no phone support
ChimeAffordable online checking and savings accounts, fee-free instant peer-to-peer transfersOut-of-network ATM fees, requires opening checking and savings accounts concurrently
DaveLimited amounts, and express funding fees, require Dave’s checking accountLimited amounts, and express funding fees, require Dave checking account
MoneyMutualConvenient for finding lenders for short-term loans, accessible for bad creditPotentially high APRs, hidden fees, predatory lending practices
OppLoansFast funding, flexible repayment terms, considers factors beyond credit scoreExtremely high APRs, short repayment terms, limited loan amounts, not available in all states
Universal CreditQuick access to funds, debt consolidationHigh interest rates, origination fee, capped loan amounts
Best EggCompetitive rates, multiple loan options, fast funding, direct payments to creditors for consolidation, no prepayment penaltyOrigination fee, not the best for bad credit, limited customer service options
AvantAccessible for fair credit scores, fast funding, multiple loan options, no prepayment penaltyHigh APRs for low credit scores, origination fee, not ideal for debt consolidation, limited customer service options
LightStreamCompetitive rates, large loan amounts, flexible repayment terms, no feesNot for bad credit, limited loan purposes, no direct deposit for consolidation
UpstartConsiders alternative data (education, work experience), accessible for fair credit borrowers, fast approval and funding, competitive rates for qualified borrowersPotentially high APRs, limited loan terms, origination fees
MoneyLionCredit builder features, potentially lower APRs than payday loans, fast approval and fundingLimited loan amounts, membership fees, high APRs possible, not ideal for consolidation
OneMain FinancialAccessible for bad credit, secured loan option, physical locations, fast fundingHigh APRs, origination fees, limited loan amounts, not suitable for consolidation

1. Beem (Loans like Cranefinance No Credit Check)

Beem is the premier alternative to traditional instant cash advance services, notably featuring the groundbreaking Everdraft™ functionality. Positioned as the vanguard in financial innovation, Beem empowers users to access $5 to $1,000 from their verified bank deposits in advance, presenting a vital resource for urgent financial needs like bill payments, fuel, groceries, and healthcare expenses. As the epitome of alternative cash solutions, Beem ensures a streamlined process without interest, income restrictions, or credit checks, allowing users to settle payments upon deposit arrival.

Loans Like Crane Finance - beem

Play store Rating:

3.9/5 Rating , 14.9k reviews

1M+ Downloads

Apple Store Rating :

4.7/5 rating , 129 Review

Beyond immediate cash relief, Beem broadens its financial spectrum by facilitating instant money transfers, complimentary federal and state tax filing, and comprehensive money management through the Better Financial Feed™.

Offering users the capability to send money instantly, file taxes for optimal returns, and access a suite of financial tools, from budget planning to credit monitoring and identity theft protection, Beem stands as a comprehensive Smart Wallet App. 

Upholding rigorous security standards, including bank-level encryption and stringent privacy measures, Beem exemplifies a commitment to safeguarding user information, ensuring a secure and holistic financial experience.

2. Lendingclub

Reviewing the suite of financial products from LendingClub, it emerges as a comprehensive institution offering versatile financial management solutions. Notably, their Rewards Checking account stands out, providing an avenue to earn interest on balances and receive cash back on purchases. 

Loans Like Crane Finance - Lending club

Playstore Rating : 3.3/5 , 1.62k Reviews

100k+ Downloads

Apple store Rating : 4.3/5 , 2.5k Review

The account presents several advantages, including unlimited ATM fee reimbursements and the option for direct deposit, albeit with a modest APY on balances. The high-yield savings account boasts competitive interest rates and a free ATM card, making it an attractive option. 

LendingClub’s certificate of deposit (CD) portfolio offers various terms with competitive rates, while their personal loans and auto loan refinancing options exhibit flexibility and borrower-friendly terms. While LendingClub exhibits strengths, considerations like minimum deposit requirements and specific account options warrant attention.

Pros of LendingClub


  • Relatively easier to qualify for compared to traditional banks, with minimum credit scores as low as 600.
  • Offers pre-qualification with a soft credit check that doesn’t impact your score.


  • Entire loan process can be done online.
  • Offers features like joint applications and direct debt consolidation payments to creditors.
  • No prepayment penalty if you pay your loan off early.


  • You can check your potential rates and terms before committing to a hard credit check.

Cons of LendingClub

Potentially High APRs:

  • Interest rates (APRs) can be high, particularly for borrowers with lower credit scores.
  • These rates can make the loan expensive in the long run.
  • It’s important to compare rates with other lenders before deciding.

3. Possible Finance

Possible Finance distinguishes itself by swiftly offering borrowers up to $500, irrespective of their credit standing. Unlike traditional lenders, Possible Finance doesn’t conduct a hard credit inquiry, ensuring a seamless application process without affecting your credit score.

Loans Like Crane Finance  - possible finance

Playstore Rating: 4.0/5 , 50.8k Reviews

1M+ Downloads

Apple store Rating : 4.8/5 , 103.9k Reviews

The lender’s unique feature lies in its reporting mechanism to major credit bureaus, potentially aiding borrowers in building or enhancing their credit history. 

While the absence of a minimum FICO score requirement is inviting, it’s essential to note that Possible Finance operates with triple-digit interest rates. Moreover, its services are not universally available, limiting accessibility across states. Despite considerations, the platform’s emphasis on quick funding and credit reporting sets it apart in the lending landscape.

Pros of Possible Finance

  • Faster access to funds: Possible Finance advertises quick approval and funds available within minutes, which can be crucial in emergencies.
  • Potentially lower cost than payday loans: While Possible Finance doesn’t advertise APRs, their fees are likely lower than a typical payday loan with a very short repayment term.
  • Longer repayment term than payday loans: Possible Finance offers up to 8 weeks to repay, giving you more breathing room than a typical payday loan due in two weeks.

Cons of Possible Finance

  • High Cost of Borrowing: Despite potentially being lower than payday loans, Apps like Possible Finance charges fees that translate to triple-digit APRs, making it an expensive way to borrow.
  • Short Repayment Term: Even with 8 weeks, repaying the loan can be challenging, especially if you’re in a tight spot financially.
  • Limited Availability: Possible Finance isn’t available in all states.
  • No Phone Support: They only offer email contact, which might be inconvenient for some.

4. Chime

Chime, a prominent financial technology entity, stands out in digital banking with its user-friendly online checking and savings accounts, boasting minimal fees.

Loans Like Crane Finance - chime

Play store Rating : 4.6/5 , 620k Reviews

10M+ Downloads

Apple store rating : 4.8/5 , 776.2k Reviews

Positioned as an affordable choice for comprehensive banking, Chime introduces unique features like automated savings tools, instant peer-to-peer payments, and receiving direct deposits up to two days ahead. 

Catering to those comfortable managing finances online, it presents an enticing package with competitive savings account rates and an appealing checking account interface. However, users should be mindful of potential out-of-network ATM fees and the requirement to open both checking and savings accounts concurrently.

Pros of Instant Peer-to-Peer Payments with Chime

  • Speed and Convenience: Chime’s “Pay Anyone” feature allows for instant transfers to friends, family, or anyone else with a valid email address or phone number linked to a U.S. bank account. This eliminates the wait times associated with traditional methods like checks or bank transfers.
  • Security: Chime uses encryption and fraud detection measures to help protect your financial information during transfers.
  • No Fees: Chime doesn’t charge any fees for using “Pay Anyone” to send or receive money, making it a cost-effective option.

Cons of Instant Peer-to-Peer Payments with Chime

  • Limited Functionality: While convenient for sending money to individuals, Chime’s P2P service isn’t suitable for business transactions or online marketplaces where buyer/seller protection might be needed.
  • Potential for Scams: Since transfers are instant, there’s a risk of accidentally sending money to someone posing as a friend or business. Be cautious and double-check recipient information before sending.
  • Reversal Issues: If you accidentally send money to the wrong person, retrieving it might be difficult. Chime can’t necessarily reverse transactions once completed, and you’d need to rely on the recipient to return the funds.

5. Dave

Dave, a notable personal finance app, distinguishes itself through its ExtraCash™ feature, allowing users access to a short-term loan of up to $500 with no mandatory fees, only an optional tip.

The app also provides banking services without overdraft fees and minimum balance requirements, offering free ATM withdrawals at 32,000 locations. 

Loans Like Crane Finance Dave

Playstore Rating : 4.4/5 , 516k Reviews

10M+ Download

Apple store Rating: 4.8/5 , 678.5k Reviews

While Dave doesn’t charge interest, a $1 monthly membership fee unlocks access to cash advances, a unique model in the digital lending sphere.

Targeting those seeking alternatives to traditional payday lenders, Dave provides flexibility with optional tipping, making it appealing for borrowers desiring lower-cost short-term loans. 

However, it may not suit individuals requiring extended repayment terms, urging consideration of traditional personal loans or credit cards for those seeking a more extended payment schedule.

Pros of Dave’s ExtraCash

  • Avoids Overdraft Fees: ExtraCash can be a lifeline to cover small expenses and prevent overdraft charges, which can be expensive.
  • Accessible: No credit check required, making it an option for those with limited credit history.
  • Potentially Lower Cost: Compared to payday loans with very high APRs, Dave’s ExtraCash doesn’t charge interest and has a transparent fee structure (optional tip or express funding fee).
  • Early Access to Paycheck: If you need a small amount before payday, Dave can advance funds from your upcoming paycheck.

Cons of Dave’s ExtraCash

  • Limited Amounts: The maximum advance is $500, which may not be enough for larger needs.
  • Express Funding Fees: While there’s no interest, getting the advance quickly can come with an express funding fee, which can range from $1.99 to $13.99 depending on the amount and how you receive it. This fee can add up over time.
  • Requires Dave Account: You need to open a Dave checking account, even if you don’t plan to use it regularly. There may be fees associated with the account itself.
  • Not a Long-Term Solution: ExtraCash is meant for small, unexpected expenses. Repeatedly using it can be a sign of a bigger budgeting issue.

6. MoneyMutual

MoneyMutual stands as a beacon for individuals grappling with poor credit, offering short-term loans up to $5,000 through an efficient online marketplace of lenders.

With a money availability timetable of as little as 24 hours, our platform offers a quick financial resolution. The uncomplicated online application process, taking less than 5 minutes, has earned the trust of over 2 million customers. 

Loans Like Crane Finance  - Money Mutual

Rating : 4.9/5 , 99 Reviews

With a stellar 4.8 overall rating, MoneyMutual’s service pre-qualifies loan applications in seconds, connecting borrowers to suitable direct lenders.

To access this lending lifeline, applicants must fulfill age, residency, income, and bank account requirements, showcasing MoneyMutual’s commitment to facilitating financial access for those with less-than-ideal credit histories.

Pros of MoneyMutual loan

  • Convenience: MoneyMutual simplifies the process of finding lenders for short-term loans. With one application, you can reach multiple lenders.
  • Accessible: Even with bad credit, you might qualify for a loan offer through MoneyMutual’s network of lenders. Traditional banks may be stricter.
  • Fast Funding: If approved, you might receive the loan amount quickly, within 24 hours in some cases.

Cons of MoneyMutual loan

  • Potentially High APRs: Payday loans and installment loans offered through MoneyMutual often come with very high APRs, making them expensive in the long run. These rates can trap borrowers in a cycle of debt.
  • Hidden Fees: Be mindful of additional fees like origination fees and application fees that can add to the overall cost of the loan.
  • Predatory Lending Practices: Some lenders in MoneyMutual’s network might have predatory lending practices, so it’s crucial to be aware of the terms before you commit.
  • Not a Long-Term Solution: These loans are meant for emergencies and should not be used for long-term financial needs.

7. OppLoans

OppLoans, available in 37 states, has provided unsecured installment loans for bad credit borrowers since 2012. Offering the advantage of swift funding within 1-2 days and the flexibility to change the payment date, OppLoans caters to those in need.

However, it’s essential to note the drawbacks, including high interest rates and short maximum repayment terms. So, there are many apps similar to opploans with low interest rates or comparatively high repayment terms, you can try now.

Loans Like Crane Finance - opploans

Rating: 4.7/5 , 4k Reviews

Regarded alongside options like SpotLoan, OppLoans becomes a viable choice for individuals facing financial constraints. Ranging from $500 to $4,000, these installment loans require no credit check, presenting an alternative to traditional payday loans.

Despite its benefits, OppLoans encourages borrowers to explore cheaper alternatives, emphasizing the importance of thorough research in financial decision-making.

Pros of Opploans

  • Accessible: OppLoans considers factors beyond your FICO score when making lending decisions, increasing approval chances for those with bad credit.
  • Transparent Rates: Unlike some payday lenders, OppLoans upfront about their APRs, which you can see before applying.
  • No Prepayment Penalty: There’s no penalty if you choose to pay off your loan early, allowing you to save on interest.
  • Fast Funding: If approved, you can receive the loan amount quickly, often within one business day.
  • Educational Tools: OppLoans offers financial literacy resources to help borrowers manage their finances better.

Cons of Opploans

  • Extremely High APRs: OppLoans charges a flat APR of 160% on all loans, which is significantly higher than most traditional personal loans and can be a financial burden.
  • Short Repayment Terms: OppLoans only offers repayment terms up to 18 months, which can lead to high monthly payments, especially for larger loans.
  • Limited Loan Amounts: The maximum loan amount offered by OppLoans is lower compared to some other lenders.
  • Not Available in All States: OppLoans isn’t available in all states due to regulations on lending practices.

8. Universal Credit

Universal Credit, a fintech entity under the ownership and power of Upgrade, offers loans ranging from $1,000 to $50,000 through partners Cross River Bank and Blue Ridge Bank.

Loans Like Crane Finance Universal credit

Rating : 4.8/5 , 2.9k Reviews

While the maximum interest rates may be elevated, Universal Credit accommodates borrowers with low credit scores and high debt-to-income ratios. 

Favorable customer reviews highlight its appeal for those seeking debt consolidation, particularly its low borrowing minimum and rapid fund availability within one day. However, the downside includes comparatively high rates and an origination fee, with loans capped at $50,000.

Considered an option for specific circumstances, Universal Credit suits those consolidating higher-interest loans or requiring smaller amounts, while borrowers seeking more significant sums or fee structures may find alternatives more suitable.

Pros of Univesal Credit

  • Quick access to funds: Helps cover immediate needs while waiting for your first regular Universal Credit payment.
  • Repayable over time: The advance is deducted from your future Universal Credit payments, not a separate loan with interest.

Cons of Univesal Credit

  • Reduces future benefits: The advance amount is deducted from your standard Universal Credit payments, potentially tightening your budget in the following months.
  • May not cover all needs: The advance amount might not be enough to cover all your expenses until your regular payments start.
  • Potential debt trap: Repeatedly relying on advances can create a cycle of debt, making it difficult to manage on your regular Universal Credit payment.

9. Best Egg

Best Egg, a provider of personal loans, caters to individuals seeking quick cash and debt consolidation solutions. With a soft credit check pre-qualification option, borrowers enjoy various loan amounts and secured and unsecured loan options. 

Loans Like Crane Finance - best egg

Playstore Rating : 4.0/5, 635 Reviews

50k+ Downloads

Apple store Rating : 4.7/5 5.2k Reviews

Noteworthy features include direct payments to creditors for debt consolidation loans and the absence of late fees. However, an origination fee is applicable, and there are no rate discounts or a mobile app for loan management.

The qualifying conditions include a required credit score of 600, U.S. citizenship, a credit history of 24 months and at least one account, a minimum annual income of $3,500, and a maximum debt-to-income ratio of 40% or 65%, including a mortgage.

Term lengths range from 3 to 5 years, and origination fees vary from 0.99% to 8.99%. Best Egg emphasizes transparency and compliance with federal regulations in its loan offerings, striving to provide efficient and accessible financial solutions to eligible borrowers.

Pros of Best Egg

  • Competitive Rates: Best Egg offers competitive APRs, especially for borrowers with good credit scores. You can pre-qualify to see potential rates without a hard credit check impacting your score.
  • Multiple Loan Options: Offers a variety of loan amounts and repayment terms to fit your needs.
  • Fast Funding: You could receive your loan amount within one to three business days after approval.
  • Direct Pay Option: Best Egg can directly send your loan proceeds to creditors for debt consolidation, simplifying the process.
  • No Prepayment Penalty: There’s no penalty for paying off your loan early, allowing you to save on interest.

Cons of Best Egg

  • Origination Fee: Best Egg charges an origination fee, which is a percentage of the loan amount deducted upfront. This reduces the amount of money you actually receive.
  • Not the best for bad credit: While accessible to borrowers with fair credit, Best Egg’s best rates are reserved for those with good or excellent credit scores.
  • Limited customer service options: Best Egg primarily relies on online customer service, which might not be ideal for everyone.

10. Possible Finance

Possible Finance distinguishes itself by reporting payments to major credit bureaus Experian and TransUnion, offering borrowers a chance to build or enhance their credit history.

Loans Like Crane Finance  - possible finance

Playstore Rating: 4.0/5 , 50.8k Reviews

1M+ Downloads

Apple store Rating : 4.8/5 , 103.9k Reviews

Focusing on addressing minor emergencies, Possible Finance provides loans up to $500, emphasizing lenient credit requirements and a swift application process. Despite marketing itself as a payday loan alternative, the platform features triple-digit interest rates. 

Notably, Possible Finance extends its accessibility, allowing borrowers to receive up to $500 promptly, regardless of credit strength. The application process involves no hard credit inquiry, with eligibility based on factors beyond credit history. Successful repayment improves the borrower’s credit, as installment payments are reported to two major consumer credit bureaus.

To qualify, applicants need regular income, valid identification, and must meet specified income requirements, with a three-month history and positive balance in their checking account.

Pros of Personal Finance

  • Fast access to funds: Possible Finance advertises quick approval and funds available within minutes, crucial in emergencies.
  • Potentially lower cost than payday loans: Possible Finance doesn’t advertise APRs, but their fees are likely lower than a typical payday loan with a very short repayment term.
  • Longer repayment term than payday loans: Possible Finance offers up to 8 weeks to repay, giving you more breathing room than a typical payday loan due in two weeks.

Cons of Personal Finance

  • High Cost of Borrowing: Despite potentially being lower than payday loans, Possible Finance charges fees that translate to triple-digit APRs, making it an expensive way to borrow.
  • Short Repayment Term: Even with 8 weeks, repaying the loan can be challenging, especially if you’re in a tight spot financially.
  • Limited Availability: Possible Finance isn’t available in all states.
  • No Phone Support: They only offer email contact, which might be inconvenient for some.

11. Avant

Avant’s loans cater to individuals with fair to bad credit seeking prompt funding but need more credit-building or debt consolidation features. The platform offers swift funding and the convenience of pre-qualifying through a soft credit check. 

Loans Like Crane Finance - avant

Playstore Rating:

Rating : 4.2/5 , 6.6k reviews

10k+ download

Apple store Rating: 2.2/5 , 72 reviews

A mobile app facilitates easy loan management, while various repayment term options provide flexibility. With customer service available seven days a week, Avant ensures accessibility. However, potential drawbacks include possible origination fees and the absence of co-signed, joint, or secured loan options. Qualifications involve:

  • A valid Social Security number.
  • A well-maintained bank account.
  • Exclusion from active bankruptcy. 

Avant’s available term lengths range from 1 to 5 years, with potential fees including an origination fee (0% – 9.99%), late fee (typically $25), and returned payment fee ($15). The minimum loan amount may vary by state; if approved, the actual rate and loan amount depend on credit assessment and other factors.

Pros of Avant

  • Accessible: Avant considers applicants with fair credit scores (as low as 580) in some cases, which can be helpful for borrowers who might not qualify elsewhere.
  • Fast Funding: If approved, you could receive the loan amount as soon as the next business day.
  • Multiple Loan Options: Avant offers a variety of loan amounts and repayment terms to fit your needs.
  • No Prepayment Penalty: There’s no penalty for paying off your loan early, allowing you to save on interest.

Cons of Avant

  • High APRs for Low Credit Scores: While Avant caters to borrowers with lower credit scores, the interest rates (APRs) can be on the higher side compared to lenders who require excellent credit.
  • Origination Fee: Avant charges an origination fee, which is a percentage of the loan amount deducted upfront. This reduces the amount of money you actually receive.
  • Not ideal for debt consolidation: Avant doesn’t offer direct creditor payments for debt consolidation, so you’d need to manage that process yourself.
  • Limited customer service options: Similar to Best Egg, Avant primarily relies on online customer service.

12. Lightstream

LightStream tailors its offerings to creditworthy borrowers, presenting an enticing proposition with no fees and variable low rates contingent on the purpose of the loan. 

Loans Like Crane Finance - Lightstream

Playstore Rating: 2.5/5 , 171 Reviews

The platform extends advantages such as a discount for autopay, extended repayment terms for home improvement loans, and noteworthy programs like Rate Beat and Experience Guarantee. However, drawbacks include:

  • An option to pre-qualify with a soft credit check on its website.
  • No direct payment to creditors for debt consolidation loans.
  • A relatively high minimum loan amount. 

Eligibility criteria encompass U.S. citizenship or permanent residency, a minimum age of 18, a credit score of 660, a history of several years with diverse account types, and asset ownership like retirement, investment, and savings accounts. 

LightStream offers term lengths ranging from 2 to 7 years, with no origination or late fees. Rates quoted with AutoPay may vary based on loan factors, and applicants must complete an application on, which may impact credit scores.

Pros of LightStream

  • Competitive Rates: LightStream offers competitive APRs, especially for borrowers with good to excellent credit scores. You can pre-qualify to see potential rates without a hard credit check impacting your score.
  • Large Loan Amounts: LightStream offers some of the highest loan amounts in the personal loan market, going up to $100,000. This can be helpful for larger expenses like home improvement or debt consolidation.
  • Flexible Repayment Terms: You can choose a repayment term that fits your budget, with options ranging from 24 to 144 months (2 to 12 years).
  • No Fees: There are no origination fees, prepayment penalties, or late fees (though late payments will accrue interest).
  • Fast Funding: You could receive your loan amount as early as the same day or up to 90 days after approval for home improvement loans, giving you flexibility.

Cons of LightStream

  • Not for Bad Credit: LightStream caters to borrowers with good to excellent credit scores (typically above 660). Those with bad credit will likely not qualify or receive favorable rates.
  • Limited Loan Purposes: LightStream doesn’t offer personal loans for certain purposes like education or post-secondary expenses.
  • No Direct Deposit for Debt Consolidation: While a great option for debt consolidation due to lower rates and no fees, LightStream doesn’t directly send funds to creditors. You’d need to manage that process yourself.

13. Upstart

Upstart distinguishes itself by incorporating artificial intelligence into an innovative lending approach to broaden access to personal loans. Going beyond traditional financial history assessments, Upstart’s underwriting model considers factors such as education, work experience, and various variables.

Loans Like Crane Finance - UPSTART

Apple store Rating 4.1/5 , 18 Reviews

This unique approach increases the chances of loan approval, even for new borrowers or those with less-than-perfect credit—loan amounts offered by Upstart range from $1,000 to $50,000. 

The platform provides a pre-qualification option that doesn’t impact credit scores, although the final terms are determined after a formal application and a hard credit inquiry.

Upstart’s practice of reporting loan payments to credit bureaus can enhance your credit profile when you consistently pay in full and on time. However, the available loan amounts might be subject to limitations based on your application data and the regulations of your state of residence.

Pros of Upstart

  • Considers Alternative Data: Upstart goes beyond traditional credit scores when evaluating loan applications. They consider factors like your education, work history, and residence, which can benefit borrowers with limited credit history.
  • Accessible for Fair Credit Borrowers: Upstart is more accessible than traditional lenders for borrowers with fair credit scores (as low as 600 in some cases).
  • Fast Approval and Funding: The application process is quick and online, with approvals and potential funding within a business day.
  • Competitive Rates for Qualified Borrowers: Upstart offers competitive APRs for borrowers with good or excellent credit scores.

Cons of Upstart

  • Potentially High APRs: While competitive for some, Upstart’s APRs can be high, especially for borrowers with lower credit scores.
  • Limited Loan Terms: Upstart only offers fixed repayment terms of three or five years, which might not be ideal for everyone.
  • Origination Fees: Upstart charges origination fees, which can be a percentage of the loan amount deducted upfront. This reduces the amount of money you actually receive.

14. MoneyLion

MoneyLion Instacash, a feature embedded in the MoneyLion app, lets users borrow up to $500 against their forthcoming paycheck sans any charges or interest. The only requirement is to settle the loan by the next paycheck, with possible payment extensions. 

Loans Like Crane Finance - money lion

Play Store : 4.5/5 , 115K Reviews

5M+ Downloads

Apple Store : 4.7/5 , 122.1k Reviews

MoneyLion can raise advances to up to $1,000 with a Roar Money account, featuring direct deposit, and up to $700 with a Credit Builder membership for further flexibility. While standard transfers take 24 to 48 hours and are fee-free, opting for same-day Instacash “turbo” transfers accrues fees. Noteworthy pros include:

  • No credit checks.
  • Additional banking and investment services.
  • The ability to boost advances to $1,000 per pay period. 

However, the cons involve standard funding durations, 3 to 8 weeks waiting for maximum Instacash eligibility, and instant delivery, incurring a cost of $8.99 per $100 borrowed.

Pros of MoneyLion

  • Credit Builder Features: MoneyLion offers credit-building features like a credit builder loan and credit monitoring, which can be helpful for those looking to improve their credit score.
  • Potentially Lower APRs than Payday Loans: MoneyLion’s APRs might be lower than typical payday loans, making it a potentially less expensive option in a pinch.
  • Fast Approval and Funding: The loan application process is quick and online, with potential approval and funding within a business day.

Cons of MoneyLion

  • Limited Loan Amounts: MoneyLion offers smaller loan amounts compared to traditional personal loans, which may not be enough for larger needs.
  • Membership Fees: You need a MoneyLion membership with a monthly fee to access loan options. This adds to the overall cost of borrowing.
  • High APRs Possible: While potentially lower than payday loans, MoneyLion’s APRs can still be on the higher side compared to traditional lenders.
  • Not Ideal for Debt Consolidation: MoneyLion doesn’t offer direct payments to creditors, so you’d need to manage that process yourself for debt consolidation.

15. OneMain Financial

OneMain Financial distinguishes itself by prioritizing borrowers’ repayment capacity, offering accessibility to those with lower credit scores despite elevated interest rates.

Loans Like Crane Finance one Main Financial

Play store Rating : 4.3/5 , 4.64k Reviews

1M+ Downloads

Apple store Rating : 4.5/5 , 3.9k Reviews

The lender stands out with flexible payment date options, joint and secured loans, and swift funding processes. While facing criticism for higher interest rates and origination fees, 

OneMain Financial compensates with the convenience of directly paying creditors on debt consolidation loans. The qualification criteria are inclusive, accommodating those without a specific minimum credit score but preferring some credit history. Despite limitations on loan amounts, OneMain Financial is a viable option for borrowers seeking rapid financial solutions.

Pros of Onemain Financial

  • Accessible for Bad Credit: OneMain Financial considers factors beyond your credit score and focuses on your ability to repay. This makes it a possibility for borrowers with bad credit or limited credit history who might not qualify elsewhere.
  • Secured Loan Option: OneMain Financial offers secured loans where you use an asset like your car as collateral. This can potentially qualify you for a lower interest rate.
  • Physical Locations: OneMain Financial has a network of branches, which can be helpful for those who prefer in-person communication compared to entirely online lenders.
  • Fast Funding: You might receive loan approval and funding within a business day.

Cons of Onemain Financial

  • High APRs: OneMain Financial’s APRs can be significantly higher than those offered by traditional banks or credit unions. This can make borrowing expensive, especially for larger loans or longer repayment terms.
  • Origination Fees: OneMain Financial charges origination fees, a percentage of the loan amount deducted upfront. This reduces the amount of money you actually receive.
  • Limited Loan Amounts: OneMain Financial’s loan amounts are typically lower compared to some other lenders.
  • Not Suitable for Debt Consolidation: OneMain Financial doesn’t offer direct payments to creditors for debt consolidation. You’d need to manage that process yourself.

Top Loan Lenders for Bad Credit Like Crane Finance

When navigating lousy credit loans, Beem emerges as a standout lender with its streamlined online platform, ensuring swift access to funds and a hassle-free application process. Alongside Beem, other top-notch lenders like Possible Finance and MoneyMutual also cater to individuals with less-than-perfect credit. 

These lenders prioritize simplicity, offering user-friendly interfaces and competitive rates. Whether it’s the efficient services of Possible Finance, the online marketplace prowess of MoneyMutual, or Beem’s commitment to accessibility, these lenders collectively redefine bad credit lending with transparent terms and supportive options. 

As individuals seek financial solutions, this cohort of reputable lenders presents a robust array of choices for those navigating challenging credit landscapes.

Top Loan Lenders for Good Credit

Individuals with good credit can access various lending options tailored to their solid credit profiles and financial stability. Top loan lenders for good credit, such as LightStream and Avant, present borrowers with competitive interest rates and favorable terms.

LightStream, known for catering to creditworthy individuals, offers an array of loan purposes and boasts unique features like Rate Beat and Experience Guarantee. 

Avant, specializing in personal loans, extends quick funding and flexible repayment options, ensuring an efficient borrowing experience for those with commendable credit histories.

These lenders exemplify a commitment to providing accessible and advantageous financial solutions for individuals with good credit standing.

Loan Lenders for Debt Consolidation

Universal Credit, operating under the auspices of financial powerhouse Upgrade, emerges as a noteworthy player in debt consolidation loans.

With loan amounts varying from $1,000 to $50,000, this lending entity collaborates with Cross River Bank and Blue Ridge Bank to facilitate accessible and versatile debt consolidation options. While Universal 

Credit accommodates borrowers with varying credit scores; its offerings come with specific considerations, including potentially higher interest rates and an origination fee.

Favorable customer reviews underscore its appeal, particularly for those seeking rapid fund availability and the consolidation of higher-interest loans, positioning Universal Credit as a viable choice in the landscape of debt consolidation.

Best Lenders for Installment Loans

OppLoans caters to individuals with good credit, offering unsecured installment loans in 37 states, including the District of Columbia. Operating since 2012, OppLoans distinguishes itself by providing swift funding within 1-2 days and flexible payment date options. While it requires no credit check, the platform sets itself apart by offering higher borrowing limits, ranging from $500 to $4,000. 

Despite the benefits, potential borrowers need to consider the higher interest rates and shorter maximum repayment terms. OppLoans is a viable choice for those with good credit seeking prompt financial solutions, aligning flexibility with borrower-friendly terms in installment loans.

Best Loan Lenders for Home Improvements

LightStream stands out as one of the best loan lenders for home improvements, offering tailored financing solutions emphasizing creditworthy borrowers. Boasting a seamless online experience, LightStream provides competitive rates and flexible terms without charging origination or late fees. 

Homeowners seeking to enhance their residences find LightStream a reliable partner, with the platform’s commitment to customer-centric lending evident in features like the Rate Beat program.

While eligibility criteria include a credit score of 660 or above, the absence of fees and the option for extended repayment terms make LightStream an appealing choice for those embarking on home improvement projects.

Best Short-Term Loan Lenders

Dave distinguishes itself among the best short-term loan lenders, providing users with a unique financial tool for immediate cash needs. With its ExtraCash™ feature, Dave allows individuals to access short-term loans of up to $500 without mandatory fees, only suggesting an optional tip. 

The platform is an alternative to traditional payday lenders, emphasizing flexibility with optional tipping. Dave goes beyond mere lending, offering a banking service free from overdraft fees and minimum balance requirements.

Its user-friendly approach and free ATM withdrawals at numerous locations make Dave stand out for those seeking lower-cost short-term loans and enhanced financial management.

Best Alternatives for Emergency Loans

Navigating financial emergencies demands strategic solutions, and several lenders stand out as the best alternatives for emergency loans. With its Everdraft™ functionality, Beem leads the charge by enabling users to access $5 to $1,000 from verified bank deposits promptly. Possible Finance distinguishes itself with quick approvals of up to $500, prioritizing borrowers without hard credit inquiries. 

MoneyMutual offers a swift online marketplace connecting borrowers to lenders, ensuring short-term loans up to $5,000. These alternatives prioritize speed, accessibility, and flexibility, providing individuals with diverse options to address unforeseen financial challenges efficiently and responsibly.

Best for Military Members

Saluting the financial needs of military members, several loan providers offer specialized services tailored to their unique circumstances. One commendable option is OneMain Financial, which is renowned for accommodating individuals with varying credit scores.

With its flexible payment date options, swift funding processes, and options for joint and secured loans, OneMain Financial stands out as a reliable choice for military members facing diverse financial situations. This lender’s commitment to accessibility aligns with the dynamic lifestyles of military personnel, providing them with a viable solution for their financial needs.

Where to Get Loans Like Crane Finance

Navigating various paths is frequently necessary to secure a loan customized to your requirements in the always-changing world of personal finance. From traditional banking institutions to innovative online platforms, the lending ecosystem offers a spectrum of options. Here’s an insightful exploration of where to obtain loans akin to Crane Finance:

Traditional Banks

Traditional banks, pillars of financial services, are a robust choice for loan seekers, boasting stability and a diverse range of financial products. Despite their solid reputation, these banks are characterized by rigorous approval procedures and extended processing times, potentially incongruent with the prompt financial requirements often encountered by individuals.

Online Lenders

Online financing has entered a new age marked by unmatched accessibility and simplicity because of the digital revolution. Online lenders like Beem and Best Egg exemplify this trend, offering streamlined application processes, quick approvals, and funds disbursed directly into your bank account.

The competitive rates and flexible terms set these platforms apart, making them a preferred choice for borrowers seeking efficiency and transparency.

Credit Unions

As member-centric financial cooperatives, credit unions bring a community-oriented approach to lending. While their services may not be as extensive as large banks, credit unions often prioritize personalized relationships.

Members may find favorable loan terms and interest rates, especially if they have a history of responsible financial behavior within the credit union.

Peer-To-Peer Lending

Peer-to-peer (P2P) lending platforms like Prosper and LendingClub have transformed the lending landscape by directly connecting borrowers with individual investors.

This decentralized model often results in competitive rates and increased approval chances, as it considers alternative factors beyond traditional credit scores. P2P lending introduces a sense of community and shared financial goals into the borrowing experience.

The journey to secure loans akin to Crane Finance involves considering the unique offerings of traditional banks, the convenience of online lenders, the community-centric approach of credit unions, and the innovative peer-to-peer lending platforms. By understanding the nuances of each option, borrowers can make informed decisions aligned with their financial goals and preferences.

What are the Banks Offering Loans Like Crane Finance?

Exploring the landscape of banks that offer loans akin to Crane Finance reveals several reputable institutions catering to diverse financial needs. 

Wells Fargo, a stalwart in the banking industry, extends a range of personal loan options, allowing borrowers to access funds for various purposes. The bank’s commitment to customer service and well-established presence make it a viable choice for those seeking financial support.

Another prominent player, Chase Bank, provides a suite of lending products, including personal loans with competitive interest rates. Known for its technological innovation and widespread accessibility, Chase offers borrowers a seamless application process and efficient loan disbursement.

Citibank is a global financial giant with a comprehensive portfolio of lending solutions. As a trusted name, Citibank’s loans come with flexible terms and competitive rates, accommodating individuals with diverse credit profiles.

Discover Bank, recognized for its credit card services, also ventures into personal loans, providing borrowers with fixed-rate options and transparent terms. Discover’s emphasis on customer education and straightforward lending practices makes it a reliable choice for those navigating the borrowing landscape.

These banking institutions stand out in personal loans, offering borrowers alternatives to Crane Finance. As individuals explore their financial options, the diversity provided by these banks ensures a range of choices to align with unique needs and preferences.

What are the Loan Eligibility and Requirements?

Navigating the landscape of loan eligibility and requirements is vital for individuals seeking financial assistance. Here’s a breakdown in pointers:

Credit Score Significance:

A pivotal factor is that a higher credit score enhances approval chances, emphasizing the need for responsible credit management.

Stable Income Sources:

Lenders assess income stability, making a reliable income source crucial for eligibility and ensuring the ability to meet repayment obligations.

Financial History Scrutiny:

Clean financial histories are often prerequisites, highlighting the importance of a positive track record in managing credit and debt.

Debt-to-Income Ratio Considerations:

Lenders evaluate debt-to-income ratios to ensure borrowers can comfortably handle repayments, underlining the importance of maintaining a balanced financial profile.

How to Choose the Right Loan for You?

Selecting the right loan requires careful consideration to align with your financial goals. Here are five crucial pointers to guide your decision:

Assess Your Needs:

Identify the purpose of the loan, whether for a home, education, or debt consolidation, ensuring the loan meets your specific requirements.

Compare Interest Rates:

Thoroughly compare interest rates from various lenders to secure the most favorable terms, minimizing overall borrowing costs.

Understand Repayment Terms:

Scrutinize repayment terms, opting for a timeline that aligns with your financial capabilities and avoiding unnecessary strain on your budget.

Check Hidden Charges:

Be vigilant about additional fees, ensuring transparency in the lending agreement and avoiding hidden financial burdens.

Review Lender Reputation:

Research and assess the reputation of potential lenders, opting for those with positive reviews and a history of ethical lending practices.


In the intricate symphony of financial options, diverse lenders harmonize to provide alternatives akin to Crane Finance. From traditional banks to innovative online platforms like Beem and Best Egg, borrowers navigate a landscape marked by varying strengths. 

Credit unions offer community-centric approaches, while peer-to-peer lending platforms like Prosper and LendingClub boost a decentralized approach connecting borrowers with individual investors. Individuals sculpt personalized solutions for their unique aspirations and challenges in this financial orchestration and also read

However, choosing the right loan demands meticulous consideration of needs, interest rates, repayment terms, fees, and lender reputation. And for that, understanding eligibility criteria—shaped by credit scores, stable income, and financial history—proves crucial.


  • Are there loan lenders like Crane Finance?

    Various loan lenders offer services similar to Crane Finance, providing financial solutions tailored to individual needs and credit profiles.

  • How hard is it to get a loan with Crane Finance?

    The ease of obtaining a loan with Crane Finance depends on factors such as credit history, income, and financial stability. Like many lenders, meeting eligibility criteria can influence the loan approval process.

  • Is Crane Finance a direct lender?

    Crane Finance’s status as a direct lender may vary. It’s advisable to check their specific lending model, as some lenders operate directly with borrowers, while others may use intermediaries or online platforms.

  • Do other loan lenders provide the same loans as Crane Finance?

    Several loan lenders offer comparable financial products, providing personal loans, credit options, or other financial services with features similar to Crane Finance’s.

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Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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