Compare Crane Finance with the lenders people actually weigh it against
Not banks — the real alternatives for a bad-credit, fast-money borrower: a state-licensed lender, a better-structured tribal lender, a sister lender from the same tribe, and a line-of-credit lender. One table, then four head-to-heads.
| Feature | Crane Finance | OppLoans | Uprova | Fineday Funds | Integra Credit |
|---|---|---|---|---|---|
| Type | Tribal installment | State-licensed installment | Tribal · installment or LOC | Tribal installment (same tribe) | State-licensed · installment or LOC |
| Amount | $100 – $1,500 | $500 – $4,000 | $300 – $5,000 | $100 – $1,500 | $500 – $3,000 |
| APR | Not published · 300–700%+ reported | 59 – 160% published | ~36 – 299% published; drops w/ on-time pay | Not published · triple-digit reported | ~99 – 450% published by state |
| Funding | Next day · same-day $5 by 6 PM CT | Next day · often same day by 12 PM CT | Next day · same-day option | Next day · expedited option | Next business day |
| Credit check | Alt data; no FICO® min | Alt data; soft pull | Alt data; soft pull | Alt data | Alt data |
| Reports to bureaus | No | Yes (all 3) | Some products | No | Varies |
| Regulated by | Tribal + federal | States / bank partner | Tribal + federal | Tribal + federal | States |
| BBB | C · not accredited | A+ · accredited | A- range | Not accredited | B range |
Three axes that decide it
Under $500? Only two options
Crane Finance and Fineday Funds start at $100. OppLoans and Integra start at $500, Uprova at $300. For tiny gaps, Crane is often the only lender on this list that will say yes.
Published beats reported
OppLoans, Uprova and Integra tell you the APR before you apply. Crane Finance and Fineday disclose it in the agreement. If you can see the rate first, you can compare; if you can't, assume the high end.
State courts vs tribal arbitration
State-licensed lenders (OppLoans, Integra) answer to your state regulator and courts. Tribal lenders use tribal arbitration. That matters most if something goes wrong. See garnishment facts.
Sources: each lender's published rates & terms page and BBB profile; cranefinance.com; court filings and reviews for reported Crane/Fineday APRs. We are not affiliated with any lender compared. Checked October 15, 2026.