OnDeck vs Bluevine (2026): Fees, APR and Terms Compared
Short answer: Compare cost and size first. OnDeck: Average APR 59.8% (line) and 53.2% (term loan), first half of 2026 (NerdWallet: 39% to 99% line, 35% to 99% term loan); $6,000 to $200,000 (line); $5,000 to $400,000 (term loan). Bluevine: Rates from 7.8% (LendingTree: per 26-week term); about 29% APR before the draw fee (Lender List est.); $1,000 to $250,000. The table and profiles below show who each one suits. Figures come from our full reviews of OnDeck and Bluevine.
OnDeck vs Bluevine at a glance
| OnDeck | Bluevine | |
|---|---|---|
| Lender type | Direct online lender (OnDeck family of companies or Celtic Bank) | Fintech; line of credit issued by Celtic Bank, serviced by Bluevine |
| Products | Business line of credit; business term loan | Revolving line of credit; partner term loans; Business Checking |
| Amounts | $6,000 to $200,000 (line); $5,000 to $400,000 (term loan) | $1,000 to $250,000 |
| Cost | Average APR 59.8% (line) and 53.2% (term loan), first half of 2026 (NerdWallet: 39% to 99% line, 35% to 99% term loan) | Rates from 7.8% (LendingTree: per 26-week term); about 29% APR before the draw fee (Lender List est.) |
| Term | 12, 18 or 24 months (line); 18 to 24 months (term loan) | 3, 6 or 12 months per draw |
| Funding speed | Same day on weekday checkouts by 10:30 a.m. ET; otherwise 2 to 3 business days | Decision in about 5 minutes; funds within 24 hours, instantly to Bluevine Checking |
| Founded | 2006 | 2013 |
| HQ | South Jordan, UT | Jersey City, NJ |
| Status | Active (2026-10-26); not available in North Dakota | Active |
Choose OnDeck if
Best for: Businesses with a year of history, $100K+ in revenue and a 625+ FICO that need $6,000 to $400,000 fast, often the same day, and can handle frequent debits.
Choose Bluevine if
Best for: LLCs and corporations a year or older with $10K+ monthly revenue and 625+ FICO that want a line up to $250K at a low starting price.
Who should skip each
- OnDeck is not for: Anyone needing more than 24 months to repay, North Dakota businesses, or borrowers who qualify for bank, SBA or lower-rate online credit. OnDeck's average APRs exceed 50%.
- Bluevine is not for: Sole proprietors without Bluevine Business Checking, businesses under a year old, companies in Nevada, North Dakota or South Dakota, or anyone needing over $250K or terms past 12 months.
Lender List verdict
OnDeck: OnDeck is a long-running online lender that publishes its average APRs and can fund the day you sign. It is also expensive: a $25,000 line draw at its average APR costs about $8,355 in interest over 12 months. Bluevine: Bluevine has among the cheapest starting prices for a fast line of credit: about 29% APR on a 26-week draw at its 7.8% top rate, before an unpublished draw fee, and you see the full cost before you draw. The catch is a higher bar to qualify than Fundbox's.
Frequently asked questions
Which is cheaper, OnDeck or Bluevine? OnDeck: Average APR 59.8% (line) and 53.2% (term loan), first half of 2026 (NerdWallet: 39% to 99% line, 35% to 99% term loan). Bluevine: Rates from 7.8% (LendingTree: per 26-week term); about 29% APR before the draw fee (Lender List est.). Your actual cost depends on the offer and how fast you repay, so convert any quote with our factor rate to APR calculator. Which funds faster, OnDeck or Bluevine? OnDeck: Same day on weekday checkouts by 10:30 a.m. ET; otherwise 2 to 3 business days. Bluevine: Decision in about 5 minutes; funds within 24 hours, instantly to Bluevine Checking. How much can I get from OnDeck or Bluevine? OnDeck: $6,000 to $200,000 (line); $5,000 to $400,000 (term loan). Bluevine: $1,000 to $250,000. Read the full reviews: OnDeck review · Bluevine review. Figures come from those reviews, which cite the lenders' own pages and third-party sources; see our methodology. Updated 2026-10-27. Pricing varies by offer; confirm with the lender before applying.