What are the best apps for borrowing money? Top 7

Do you find yourself in need of some extra cash? Maybe it's an emergency or maybe you just want to make some improvements around your house.

Whatever the reason, borrowing money can be a stressful situation. It's not always easy to get approved for loans and if you don't do your research, you could end up with a high interest rate on your loan—or worse!

To help make this process easier for you, we've rounded up 7 apps that will help you get approved for a loan quickly and easily.

Topic Index
  1. CashNetUSA
  2. Ace Cash Express
  3. Fortiva Credit Card
  4. LendingTree
  5. MoneyMutual
  6. Earnin
  7. OnDeck
  8. Final advices


CashNetUSA is a direct lender that has been in business since 1999. It's also an accredited member of the Better Business Bureau, which goes to show that it's committed to treating its customers right and maintaining a high level of integrity.

CashNetUSA offers a loan approval guarantee, so if they can't approve your loan within 24 hours, you get your money back! The company allows customers with bad credit and no credit history (or even those who are bankrupt) to apply for loans online.

Ace Cash Express

Ace Cash Express is a payday lender that has served the people of the United States since 1979. While they have a good reputation and have been around for quite some time, they are still considered to be one of the best apps for borrowing money because they offer a variety of loans. One of these loans includes cash advances, which can be used to cover emergency expenses or pay off bills that might otherwise go unpaid.

Another reason why Ace Cash Express is an excellent option for people looking to borrow money is because it has an easy-to-use website and mobile app, as well as a customer service team ready to help out when you need them most!

Fortiva Credit Card

Fortiva Credit Card is an app that offers a credit card to help you borrow money. This means you can use it to make payments on other bills, such as rent, utility bills and student loans.

Not only is there no credit check or upfront fees, but there are no monthly fees and no hidden fees either. There’s also no prepayment penalty so you can pay back whatever amount of money you owe at any time without being penalized for doing so.


LendingTree is a personal loan marketplace with more than 200 lenders in its network. The site will help you find the best loan for your needs and even pre-qualify for an auto or home equity loan; it doesn't matter if you've never borrowed money before.

LendingTree is a great resource for anyone who's looking to borrow money, especially since it has all sorts of options: personal loans, student loans and mortgages…and that's just scratching the surface.


MoneyMutual is a peer-to-peer lending platform that lets you borrow money from individuals or other lenders. You can get a loan with a credit score of up to 600, and there's no minimum required for the amount you want to borrow. If your credit score is below 600, you'll need to pay an additional fee for the service.

If you're looking for fast cash in exchange for giving someone else access to your funds (and your credit history), MoneyMutual may be the right choice for you.


The Earnin app is very similar to the Acorns app, but you can use it to pay your bills too. It’s free, and you can get paid weekly or biweekly through direct deposit. You can also use the Earnin card at ATMs or make purchases online or in stores just like a debit card.

Earnin pays people between $5 and $100 per month for completing surveys, watching videos and shopping online. There are no strings attached—you don’t have to spend money on anything else; they just want feedback from you!

The amount of money that Earnin offers varies depending on how long it takes them to pay off your debt (more time = more cash). If you have several hundred dollars worth of outstanding debt with high interest rates (like credit cards), then this may be worth looking into as an alternative way to get rid of what's weighing down your wallet right now!


OnDeck is an online lender that offers personal loans, business loans and equipment finance.

If you need a loan quickly and don't want to wait around for your bank to make a decision, OnDeck might be the right choice for you. With its mobile app, it's also very mobile-friendly. But there are some downsides: customer service can be hit or miss (though many reviewers say they've had good experiences), and rates are higher than at other lenders (more on this later).

OnDeck typically has good reviews for customer service with most complaints coming from those who have been denied funds due to poor credit history or lack of documentation showing income. If you apply online using the link above then your application should go through without issue but if not then call their customer support team at 1-888-309-9296; they're open 24 hours per day 7 days per week so there shouldn't be much delay in getting help from them if needed!

Final advices

Borrowing money can be a tricky process. This is especially true if you’ve never borrowed money before and don’t know what to look for.

If you need to borrow money, there are some things that you should keep in mind. For one thing, it’s important that the amount of money that you borrow is reasonable for your income level and household size. If the amount of money being asked for is too high, then it might not make sense to take out a loan at all because there will be no way for your family or household budget to make up this extra expense without cutting back on other necessities like food or rent payments (which could lead to eviction).

In addition, borrowing money often requires collateral—that means something valuable like property or possessions which act as security against defaulting on payment terms set by creditors like banks or credit unions helping borrowers get favorable rates while also providing them with access funds they want/need now rather than later (after taxes).

With the right set of tools, such as the apps on this list, you’ll have a much easier time borrowing money.

These apps can help you find loans and make payments on time so that you can avoid late fees and other penalties. They also make it easy to manage your finances with features like bill reminders and budgeting tools.

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