7 Best Plain Green Loans Alternatives in 2025
By Michael Chen, CFPĀ® Ā· Updated December 26, 2025
Plain Green's APR ranges from 199% to 699% ā among the highest in the industry. If you're looking for a loan with lower rates, here are 7 alternatives that could save you hundreds or thousands of dollars.
A $2,000 loan from Plain Green at 299% APR over 18 months costs $2,554 in interest. The same loan from Avant at 25% APR would cost only $420 in interest. That's a savings of over $2,100!
Complete Comparison Table
| Lender | APR Range | Loan Amount | Term | Min Credit | Funding | Best For |
|---|---|---|---|---|---|---|
| Plain Green | 199-699% | $200-$4,500 | 6-24 mo | None | Same day | Last resort |
| OppLoans ā | 59-199% | $500-$4,000 | 9-18 mo | None | 1-2 days | Bad credit, lower APR |
| NetCredit | 34-155% | $1,000-$10,000 | 6-60 mo | 550+ | Next day | Larger amounts |
| Rise Credit | 36-299% | $500-$5,000 | 7-26 mo | None | Next day | Building credit |
| Avant āā | 9.95-35.99% | $2,000-$35,000 | 24-60 mo | 580+ | Next day | Fair credit |
| Upgrade | 8.49-35.99% | $1,000-$50,000 | 24-84 mo | 560+ | 1-4 days | Large amounts |
| Credit Union PALs āāā | 18-28% | $200-$1,000 | 1-6 mo | Any | Varies | Lowest rates |
| LendingClub | 9.57-35.99% | $1,000-$40,000 | 24-60 mo | 600+ | 2-4 days | Good credit |
1. OppLoans ā Best for Bad Credit
OppLoans is one of the best alternatives for borrowers with bad credit. While their APR is still high compared to traditional lenders, it's significantly lower than Plain Green's maximum 699%.
ā Pros
- Lower APR than Plain Green (max 199% vs 699%)
- No credit score minimum
- Reports to credit bureaus (can help build credit)
- Fast approval and funding
ā Cons
- Still expensive compared to traditional loans
- Not available in all states
- Minimum loan is $500
2. NetCredit ā Best for Larger Loans
NetCredit offers larger loan amounts and longer terms than Plain Green, with potentially much lower APRs. They require a minimum credit score of around 550, but offer up to $10,000.
ā Pros
- Loan amounts up to $10,000
- Lower APR range (34-155%)
- Longer repayment terms (up to 60 months)
- Reports to credit bureaus
ā Cons
- Requires 550+ credit score
- Minimum loan is $1,000
- Not available in all states
3. Avant ā Best for Fair Credit (580+)
If you have a credit score of 580+, Avant should be your first choice. Their maximum APR of 35.99% is lower than Plain Green's minimum of 199%. You could save thousands in interest.
A $3,000 loan over 24 months:
- Plain Green (249% APR): Total repaid $7,488, Interest $4,488
- Avant (25% APR): Total repaid $3,840, Interest $840
- Savings with Avant: $3,648
4. Credit Union PALs ā Lowest Rates
Payday Alternative Loans (PALs) from federal credit unions are the cheapest option available. APR is capped at 28% by law. You'll need to be a credit union member, but many credit unions are easy to join.
ā Pros
- APR capped at 28% by federal law
- No credit score requirement
- Small amounts available ($200+)
- Helps build credit union relationship
ā Cons
- Must be credit union member
- Maximum $1,000 (PAL I) or $2,000 (PAL II)
- May require 1 month membership first
Which Alternative is Right for You?
Credit Score 580+
ā Apply with Avant or Upgrade first. You'll get rates 10-36% instead of 199-699%.
Credit Score 550-579
ā Try NetCredit or Rise Credit. Rates are 34-299%, still much better than Plain Green.
Credit Score Below 550
ā Check OppLoans (59-199% APR) or a Credit Union PAL (18-28% APR).
Need Money TODAY
ā Plain Green offers same-day funding. If you can wait 1-2 days, OppLoans or Avant are much cheaper.
Compare Your Options
Check rates with multiple lenders to find the best deal for your situation.