Side-by-side comparison

CreditCube vs OppLoans

Which is cheaper on $500, and who approves you?

By REPLACE WITH REAL NAME, REPLACE — e.g. 8 years covering consumer credit · Reviewed by REPLACE WITH REAL NAME

Advertiser disclosure: we're paid when you apply through some links on this site, and some lenders here are operated by our parent company. Compensation does not change our scores or the order of the cost ladder. How we make money →

Step 5 · Subprime installment loansFeatured

CreditCube

Short-term installment loans from a tribal lender, with loyalty pricing for repeat borrowers.

Score 5.9

Still an option for

No minimum credit score. Needs regular income and an active checking account.

Amount

$100–$500

Term

224 days (about 7 months)

Cost

$152 a time

Speed

Results within seconds of applying; funds next business day, or within about 30 minutes with Real-Time Funding where supported.

One honest con

This is expensive credit. A first loan is capped at $500 and the APR is in the hundreds of percent.

See rates at CreditCube →Read our review

Opens the lender's site. We may be paid if you apply.

Availability varies by state.

Last verified September 24, 2026

APR: 259.94%–779.97%

Representative example: borrow $500 → 16 payments of about $152 → $2,437 total repaid (779.97% APR)

Expensive credit — 779.97% APR. Try every cheaper step above before you use this.

Best for

People turned down by banks and mainstream online lenders who can afford a biweekly payment and want a lender that rewards repayment history.

See the full cost and what you need ↓

First loan

$100–$500

Term: 224 days (about 7 months)
APR: 779.97% APR
Payments: Biweekly installments

What it costs: borrow $500 → 16 payments of about $152 → $2,437 total repaid (779.97% APR)Illustrative: 16 equal biweekly payments at the published APR. The lender's Rates & Terms page governs.

Returning customers

$501–$5,000

Term: 224 days (about 7 months)
APR: 259.94%–779.97% APR
Payments: Biweekly installments

What it costs: borrow $1,000 → 16 payments of about $128 → $2,045 total repaid (259.94% APR)Illustrative, at the lowest published returning-customer APR.

Loyalty tiers by points: Silver up to $1,000 (16% fee discount), Gold $1,500 (33%), Platinum $2,000 (50%), VIP $5,000 (66%).

What you need: Age 18+, US resident in an eligible state, regular income, active checking account, valid ID and SSN.

Not for: Anyone who can get a credit-union PAL, a paycheck-advance app, or an employer advance first — those cost a small fraction of this.

CreditCube is operated by the same company that operates this site. See how we make money.

Tribal lender, owned by Big Valley Band of Pomo Indians (federally recognized tribe). It operates under tribal law, so state rate caps and some state protections may not apply. What tribal lending means for you →

Not available to active-duty service members or their dependents (Military Lending Act 36% cap).

Step 5 · Subprime installment loans

OppLoans

Larger installment loans with monthly payments and credit-bureau reporting.

Score 6.9

Still an option for

No minimum credit score, but you need $1,500/month income with direct deposit and 30+ days on a W-2 job.

Amount

$500–$5,000

Term

9–18 months

Cost

$3,551

Speed

Same or next business day if approved by 12 p.m. CT.

One honest con

Still very expensive — 129%–195% APR — and not available in 11 states/DC.

See rates at OppLoans →Read our review

Opens the lender's site. We may be paid if you apply.

Availability varies by state.

Last verified September 24, 2026

APR: 129%–195%

Representative example: borrow $2,000 → $3,551 total repaid (160% APR)

Expensive credit — 195% APR. Try every cheaper step above before you use this.

Best for

People who need $1,000–$5,000 over 9–18 months and want on-time payments reported to the bureaus.

See the full cost and what you need ↓

Installment loan

$500–$5,000

Term: 9–18 months
APR: 129%–195% APR
Payments: Monthly (due date adjustable)

What it costs: borrow $2,000 → $3,551 total repaid (160% APR)Lender's published example: $2,000 at 160% APR over 18 months costs $1,551 in interest.

No origination fee. In some states the loan is made by a partner bank (FinWise Bank, First Electronic Bank or Quill Bank, formerly Capital Community Bank). Comparison math uses a representative 12-month term; actual terms are 9–18 months.

What you need: 18+, US citizen with SSN, $18,000/yr gross income (can include SS, disability, child support), bank account with direct deposit, W-2 employment 30+ days.

Not for: Gig workers without W-2 income; anyone needing under $500.

Not available to active-duty service members or their dependents (Military Lending Act 36% cap).

Same $500, side by side

The same amount can produce very different costs over each lender's term.

	CreditCube	OppLoans
Amount range	$100–$5,000	$500–$5,000
Term	224 days (about 7 months)	9–18 months
APR / fees	259.94%–779.97% APR	129%–195% APR
Example total repaid on $500	≈ $2,437 total repaid over 224 days (about 7 months)	≈ $1,167 total repaid over 9–18 months
Speed	Results within seconds of applying; funds next business day, or within about 30 minutes with Real-Time Funding where supported.	Same or next business day if approved by 12 p.m. CT.
Reports to credit bureaus	We're verifying this	Yes
Loyalty program	Yes	No
States it lends in	41 states	40 states
Our score	5.9	6.9

The short answer

On $500, CreditCube costs about $2,437 to repay and OppLoans about $1,167, so OppLoans is cheaper in dollars over its term. CreditCube lends in more states. On speed, CreditCube says results within seconds of applying; funds next business day, or within about 30 minutes with real-time funding where supported. and OppLoans says same or next business day if approved by 12 p.m. ct..

CreditCube asks for: Age 18+, US resident in an eligible state, regular income, active checking account, valid ID and SSN. OppLoans asks for: 18+, US citizen with SSN, $18,000/yr gross income (can include SS, disability, child support), bank account with direct deposit, W-2 employment 30+ days.

CreditCube is operated by the same company that operates this site. See how we make money.

Cheaper than both →

How we scored these →