Top 5 Loans Like Kashable: Lenders for Employee Loans

What is Kashable?

Kashable is an online lending platform that partners with employers to provide loans directly to employees. Its key feature is payroll-based repayment, where loan payments are automatically deducted from the borrower’s paycheck. This approach makes repayment easier to manage and reduces the risk of missed payments.

Kashable loans typically range from $500 to $20,000, with repayment terms between 6 and 24 months. These terms make the platform suitable for employees who need funding for medium-term financial needs.

Kashable is not the only option available. With about 3.37% of unsecured personal loan accounts reaching 60+ days past due in early 2025, many borrowers take a closer look at repayment terms before choosing a provider. Exploring other loans like Kashable helps borrowers compare interest rates, eligibility requirements, and repayment structures. In some cases, alternative lenders may offer lower costs or features that better fit a borrower’s financial situation.

SoFi: loan like Kashable for higher loan amounts

SoFi (Social Finance, Inc.) is a well-known lending platform that offers a wide range of financial services. These include personal loans, student loan refinancing, mortgages, and investment services.

Key Features

• Loan amount: $5,000 to $100,000
• APR: 7.99% to 23.43%, depending on creditworthiness
• Repayment terms: 2 to 7 years
• No fees: SoFi does not charge origination, prepayment, or late fees, which can reduce the overall cost of borrowing
• Unemployment protection: Borrowers may pause loan payments if they lose their job

SoFi loans are generally best suited for borrowers with a strong credit history. The company typically offers its most competitive interest rates to borrowers with higher credit scores. Compared to Kashable, SoFi supports a wider range of borrowing amounts and can cover larger financial needs. Borrowers with lower credit scores, however, may find loan approval more difficult.

Pros

• No fees for borrowing
• Higher loan amounts than Kashable
• Access to solid financial tools and additional services, including career coaching

Avant: site like Kashable for fast approval

Avant is a popular online lender that focuses on serving borrowers with fair to good credit. If you have a mediocre credit score and need a loan quickly, Avant may be a suitable option. The company provides personal loans with a fast approval process and is known for working with borrowers who may not have an established or strong credit history.

Key Features

• Loan amount: $2,000 to $35,000
• APR: 9.95% to 35.99%
• Repayment terms: 2 to 5 years
• Expedited financing: In most cases, funds are available as soon as the next business day after approval

Avant is a strong option for borrowers with fair or lower credit scores who need access to a moderate loan amount. The approval process is fast, and funds are often deposited within 24 hours of approval. However, borrowers with lower credit scores may face higher APRs, and Avant may charge an administration fee of up to 4.75%.

Pros

• Suitable for borrowers with fair to good credit
• Fast approval and funding process
• Simple and straightforward application

Upstart: loans like BMG and Kashable for bad credit

Upstart is an innovative online lender that uses artificial intelligence to evaluate loan applications, making it a distinctive option among loans similar to Kashable. Instead of relying solely on credit scores, Upstart also considers factors such as education, work history, and projected income. This broader evaluation approach can help borrowers with limited credit histories improve their chances of approval.

Key Features

• Loan amount: $1,000 to $50,000
• APR: 6.50% to 35.99%
• Repayment terms: 3 to 5 years
• No minimum credit score: Upstart uses a more flexible credit assessment approach, which can help borrowers with limited or no credit history qualify

Upstart stands out for its alternative approach to credit checks, making it a good option for borrowers with little or no credit history. That said, APRs can be high, especially for applicants with weaker credit profiles. Upstart also charges an origination fee that typically ranges from 0% to 8% of the loan amount.

Pros

• Flexible credit assessment, suitable for borrowers with limited credit history
• Fast funding, often available within one business day
• Higher loan amounts with flexible repayment terms

Earnest: allotment loans like Kashable with flexible terms

Earnest offers personal loans for borrowers who want more flexibility in loan terms. The lender takes a holistic approach to evaluating applications and considers factors such as savings, retirement accounts, and overall financial health. It is often chosen by borrowers seeking debt consolidation or personal loans with customized repayment options. The platform is also popular among people looking to refinance student loans.

Key Features

• Loan amount: $5,000 to $75,000
• APR: 6.99% to 18.24%
• Repayment terms: 3 to 5 years, with a high level of customization
• No fees: No origination, late, or prepayment fees

Earnest offers highly flexible loan terms that can be tailored to a borrower’s individual situation. This flexibility appeals to borrowers who want more control over how and when they repay and who see borrowing as part of their overall financial planning. That said, Earnest requires a minimum credit score of 680, which can make it harder for borrowers with fair or poor credit to qualify.

Pros

• Customizable borrowing terms that give you more control over payments
• No fees associated with borrowing
• Lower interest rates for borrowers with strong credit histories

Credit Cube: companies like Kashable with

CreditCube is a strong alternative to Kashable. It may appeal to borrowers who need small, short-term financing with fast approvals and flexible repayment options. The platform focuses on supporting individuals whose credit profiles may not be ideal and who need quick access to funds. CreditCube can be a good fit for those looking for a more personalized approach and short-term support for immediate expenses.

Key Features

• Loan amount: $100 to $5,000
• APR: Varies based on state regulations and the borrowed amount, with competitive pricing common in the short-term lending space
• Repayment terms: Short-term and flexible options
• Fast approval: In many cases, funds are available the same day or the next business day, making this option suitable for urgent needs
• No prepayment penalty: Borrowers can repay early without additional fees

CreditCube is well suited for borrowers who need quick access to cash and may not have a strong credit history. The application process is simple, approvals are fast, and funds are typically deposited directly into a bank account. While CreditCube does not support larger borrowing amounts like SoFi or Earnest, it can be a practical option for short-term needs with manageable repayment terms.

Why choose CreditCube?

• Suitable for borrowers with good or bad credit who need a small borrowing amount
• Fast approval and funding for immediate financial needs
• Flexible repayment options with no prepayment penalties

Apps like Kashable: best options compared

While Kashable offers several useful options, CreditCube stands out for its focus on short-term, flexible financing tailored to borrowers with a range of credit backgrounds. It may suit those who need quick access to funds for an emergency or prefer a lender that emphasizes personalized service and repayment flexibility. With fast approval, no hidden fees, and a customer-focused approach, CreditCube delivers a straightforward borrowing experience. These features make it a strong option within the short-term lending space.

The table below compares Kashable competitors side by side to help you quickly review the available options.

Federal employee loans like Kashable: FAQs

How long does Kashable take to approve an application?

Approval timelines can vary, but decisions are often made within a few business days once all information is submitted. Verification through employer payroll systems may affect timing, which is common among allotment loans tied to employment.

How does Kashable work?

Kashable partners with employers to provide employee financing that is repaid through automatic repayments from each paycheck. This structure is similar to other loans like Kashable and is designed to make ongoing payments easier to manage.

Is Kashable safe to use?

Kashable is a legitimate platform because it works directly with employers and established payroll systems. This model offers more structure than payday loans, which typically require full repayment at once and do not involve employer participation.

What is the maximum repayment period with Kashable?

Repayment periods usually run from 6 to 24 months. The exact length depends on your eligibility, your employer’s participation, and the amount you receive.

How do you apply through Kashable?

To apply, you must work for a participating employer. Eligible employees can complete an online application by selecting their organization and providing the required details. If approved, funds are deposited and repayment begins automatically through payroll.