10 Best SoFi Alternatives & Competitors (2026)

Tala delivers mobile-first microloans across Latin America and other markets using smartphone data for instant decisions, similar to Apurata's quick process but with wider geographic reach. Loan sizes start small yet scale higher for good repayment history, often at lower costs than Apurata's high TCEA. It suits users wanting Apurata alternatives for cross-border access or when seeking slightly extended repayment windows beyond 8 installments.

Konfio provides SME and personal loans in Mexico with faster digital onboarding than traditional banks and amounts exceeding Apurata's S/1,000 limit. It focuses on credit lines for business growth rather than pure consumer microloans. Compared to Apurata, it typically offers better rates for qualified applicants and longer terms. Users looking for Apurata alternatives often choose Konfio when needing working capital or when operating outside Peru.

Branch offers quick personal loans via mobile app in multiple emerging markets, emphasizing speed and minimal paperwork like Apurata. It frequently provides larger maximums and repeat-borrower discounts compared to Apurata's first-time caps. The service stands out for users needing Apurata alternatives with international availability and potentially more transparent fee structures than 1300% TCEA.

OppLoans targets short-term installment loans in the US for credit-challenged borrowers, mirroring Apurata's emergency focus but with regulated rates lower than 1300% TCEA. Repayment flexibility often exceeds Apurata's 8-cuota limit. It attracts users seeking Apurata alternatives when domestic regulations and consumer protections matter more than ultra-fast foreign disbursement.

Possible Finance offers small installment loans via app with credit-building features, similar in size to Apurata but aimed at US users. It emphasizes responsible lending and lower costs compared to Apurata's high TCEA. Borrowers consider it when needing an Apurata alternative that reports to credit bureaus and supports gradual limit increases.

Upstart uses AI to assess personal loans in the US, often approving larger sums with rates far below Apurata's advertised costs. It targets borrowers with thin credit files through education and employment data rather than just DNI. As an Apurata alternative it appeals when users need substantial amounts or longer terms unavailable in Apurata's 8-installment model.

Avant specializes in unsecured personal loans for US consumers with fair credit, providing amounts and terms exceeding Apurata's microloan scope. Approval relies on soft credit pulls and bank verification similar to Apurata but typically results in lower APRs. Borrowers compare it to Apurata when seeking domestic alternatives with more predictable repayment schedules.

Rocket Loans provides fast US personal loans with same-day funding options rivaling Apurata's 29-minute claim but for higher amounts. Rates and terms are generally more borrower-friendly than Apurata's high-cost model. It serves as a strong alternative for those wanting streamlined digital experiences without Peru-specific restrictions.