TL;DR: If you are replacing OkCredit, the closest options are Satchel, Tally, Paribus. The table below compares 12 alternatives on what they do, stage, size and status.
Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces OkCredit (YC Summer 2018).
Last verified:
The three closest alternatives to OkCredit are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Satchel | — | YC Summer 2018 | 8 | Inactive |
| Tally | — | YC Winter 2025 | 2 | Active |
| Paribus | — | YC Summer 2015 | — | Acquired |
| Pesto | — | YC Winter 2021 | 8 | Active |
| Kodo | Corporate card & spend management platform for Indian startups | YC Winter 2021 | 45 | Active |
| Debteye | Automate credit counseling. | YC Summer 2011 | 2 | Acquired |
| Fintoc | Account-to-Account payments in Mexico and Chile. | YC Winter 2021 | 60 | Active |
| Atlas | Modern spend management & concierge. | YC Winter 2019 | 25 | Active |
| Bits | Bits is a credit card designed to help people build credit | YC Summer 2020 | 15 | Active |
| Carbon-12 Labs | A Global Payouts API for Startups | YC Winter 2020 | — | Inactive |
| Y Combinator | Make something people want. | YC Unspecified | 100 | Active |
| Angle Health | Health Insurance for Startups | YC Winter 2020 | 100 | Active |
It depends on your size. Satchel is the closest match on what OkCredit actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.
OkCredit is still operating, so switching is a choice rather than a forced migration. Compare on fit and price rather than urgency.
Every company here is Y Combinator-backed and was matched to OkCredit on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.
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