Updated September 30, 2026 · BorrowCue Editorial Team

Top lines of credit compared in China

19 lenders available in China, ranked for China.

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Top lines of credit compared in China
#	Lender	Score	Features	Key facts	Actions
1	SparkTop pick	9.3/10	Same day funding	Arrangement fee: 0 Credit check: None Funding time: Instant, on-chain in the borrow transaction	Review Compare See alternatives
2	Bluevine	9.2/10	Same day funding	Loan amount: up to $250,000 Arrangement fee: 0 USD (no maintenance fees) Credit check: Soft prequal	Review Compare See alternatives
3	aiBank	9.0/10	Same day funding	Loan amount: up to CN¥300,000 Arrangement fee: Personal credit loan installment service fee 0.75%-0.90% per month, charged instead of normal interest on specific products Credit check: Hard	Review Compare See alternatives
4	OnDeck	9.0/10	Fixed rate Same day funding	APR: 53.2% to 59.8% Loan amount: $5,000 to $400,000 Term: 18 to 24 months	Review Compare See alternatives
5	Chartwell	8.9/10	Same day funding	Loan amount: £5,000 to £500,000 Term: 12 to 72 months Arrangement fee: Broker arrangement fee may apply	Review Compare See alternatives
6	Flexible Finance	8.9/10		Arrangement fee: Up to 3% split fee Credit check: Soft prequal Funding time: Rent paid in full on time	Review Compare See alternatives
7	Aave	Not rated		Credit check: None Rate type: Variable Lender type: Direct lender	Review Compare See alternatives
8	Aave GHO / Compound Treehouse	Not rated	Fixed rate	Credit check: None Funding time: Instant onchain, on demand Rate type: Fixed	Review Compare See alternatives
9	Euler Finance	Not rated		Rate type: Variable Lender type: Direct lender Eligibility: At least 18 years old or of legal age to form a binding contract in your jurisdiction, and not a resident or located in any jurisdiction where use of the Products or Protocol is prohibited by law.	Review Compare See alternatives
10	Genesis Global Capital	Not rated		Lender type: Direct lender Eligibility: Professional real estate developers and investors only; no owner-occupied or first-time investor loans Loan types: Business, Credit-line, Secured, and 1 more	Review Compare See alternatives

Licensed in China

aiBank: Banking financial licence (金融许可证) published on the bank's qualifications page; issuing regulator not named on the page

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Other countries

Spark

Top pick for China

9.3/10See alternatives