Karrot Alternatives

A smarter loan. You earned it. Upstart is an online lending platform that uses data to bring together high potential borrowers and investors.

We’re transforming the banking system to make credit more affordable and investing more rewarding. We operate at a lower cost than traditional bank lending programs and pass the savings on to borrowers in the form of lower rates and to investors in the form of solid returns.

CommonBond is an online lending company that makes education finance better. Through CommonBond, our members gain access to a robust suite of low fixed- and variable-rate student loan products to refinance existing student loans after graduation or to finance an MBA while in...

Cafe Loans is a streamlined approach to get restaurants the working capital they need to grow.

FundMore-ai is an automated underwriting system that uses machine learning to streamline the pre-funding process for loans.

HelpPays is the largest marketplace for true short-term peer-to-peer loans. With the HelpPays marketplace, anyone can lend to anyone. We enable members to borrow or lend up to $2,000 for up to 9 months. Donation protection is provided on every loan.

Earnest is a technology enabled lender that rewards financially responsible people with better rates than traditional lenders.

With Vouch loans you are more than a credit score, because you create a network of people who sponsor you. Sponsor people you trust and invite people to sponsor you. When people sponsor each other they can help each other get better loans.

Launched in 2007, OnDeck connects Main Street businesses – such as restaurants, retailers, and other service providers – directly to capital. The proprietary OnDeck technology platform uses data aggregation and electronic payment technology to analyze the financial health of...

Affirm offers easy financing - without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay.