Best Signature Loan Apps That Can Get You Money Instantly in 2021

Many signature loan apps lend you money. Cash apps approve people very fast and easily. Most of them even won’t check your credit score and comes with 0 interest. But there are catches. First of all, you can’t expect a lot of money. Most of them offer about $100 to $500. Their repayment terms are not good – in most cases, you have to pay the money back in a month. They have monthly membership fees, typically between $1 to $5.

Although they promote their business as a type of no credit check loan, they would be interested to see your latest financial transactions and your workplace to evaluate your ability to repay them the amount on time.

Be careful! There are many scams. Many payday lenders have started to offer their predatory loans via apps that loan money. Their offers are nothing other than regular payday loans, shaped in a new way – apps.

ElitePersonalFinance doesn’t list any payday loan or cash advance apps!

Here is a list of all loan apps from our marketplace:

Best Loan Apps 2021

Before we move on with reviewing the best of them, we recommend that you also compare personal loans. They will work better for some of you. The main reasons are:

  • Personal loans offer much more money – up to $100,000.
  • Personal loans offer longer repayment plans.
  • Personal loans approve people with bad credit.

Are Mobile Lending Apps Right for Me?

Without a doubt, mobile lending apps are easy-to-use applications that allow you to receive funds more quickly than filling out forms at a traditional bank branch. However, despite the added benefits, you’re still subject to increased privacy and security risk.

So, before you decide to take out your next loan, we have some pros and cons you should consider:


  • Quick and easy application process.
  • Low rates and more favorable loan terms.
  • Products are more customized to your needs than traditional bank loans.
  • Products can provide bridge financing in between paychecks.
  • You have a better chance of being approved if you have bad credit.


  • Risk of a data breach or having your identity stolen.
  • Providing personal information to companies that don’t have an established track record or reputation.
  • Technical glitches can lead to problems accessing the app.
  • Lack of face-to-face interaction can make problem-solving difficult.
  • Most Fintech firms are unregulated and not subject to the same standards or requirements as traditional banks.


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