Quick Personal Loans: Best Lenders for Quick Cash

LightStream

Ideal for Same Day Approval, Same Day Funding

4.49–20.49%

The terms of your loan, including the APR, may differ depending on the purpose of the loan, the amount, the term and your credit profile. AutoPay 0.50% point rebate is only available when selected prior to loan funding. Rates without automatic payment will be 0.50% higher. To obtain a loan, you must complete an application on LightStream.com, which may affect your credit score. Subject to credit approval. Conditions and limitations apply. Advertised rates and conditions are subject to change without notice. Payment Example: Monthly payments for a $10,000 loan at 6.14% APR with a term of 3 years would result in 36 monthly payments of $304.85. Truist Bank is an equal housing lender. ©2021 True Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

$5,000–$100,000

Loan example: A $20,000 four-year loan with an APR of 13.9% would cost $546 in monthly payments. You would pay $6,208 in total interest on this loan.

660

LendingPoint

Ideal for Same Day Approval, Next Day Funding

9.99–35.99%

Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and Annual Percentage Rates (“APRs”) may vary based on LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial, other factors and supporting documents or information you provide. Origination fees or other fees of 0% to 6% may apply depending on your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH on the next non-holiday business day. LendingPoint offers loan offers from $2,000 to $25,000, at rates ranging from a minimum of 15.49% APR to a maximum of 34.99% APR, with terms of 24 to 48 months.

$2,000–$36,500

580

Discover® Personal Loans

Ideal for Same Day Approval, Next Day Funding

5.99–24.99%

This is not a commitment to lend from Discover Personal Loans. Your approval for a loan is determined after you apply and is based on your application information and your credit history. Your APR will range between 5.99% and 24.99% depending on creditworthiness at the time of application for loan terms of 36 to 84 months. For example, if you get approved for a loan of $15,000 at 6.99% APR for a term of 72 months, you will only pay $256 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information, and the term you select. Not all requests will be approved.

$2,500–$35,000

720

OneMain Financial

Ideal for Same Day Approval, Next Day Funding

6:00 p.m.–35.99%

Not all applicants will qualify for larger loan amounts or the most favorable loan terms. Loan approval and actual loan terms are dependent on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). Larger loan amounts require a first lien on a motor vehicle less than ten years old, which meets our value requirements, titled in your name with valid insurance. The maximum annual percentage rate (APR) is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. Depending on the state where you open your loan, the origination fee can be either a flat fee or a percentage of your loan amount. Lump sums vary by state, ranging from $25 to $300. Percentage-based fees vary by state, ranging from 1% to 10% of your loan amount, subject to certain state limits on the amount of fees. Active duty military personnel, their spouses, or dependents covered by the Military Loans Act may not pledge any vehicle as security for a loan. OneMain loan proceeds cannot be used for post-secondary education expenses as defined by CFPB Regulation Z, such as college, university, or professional expenses; for professional or commercial purposes; buy securities; or for gambling or illegal purposes. Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a current client, minimum loan amount of $3,100. Ohio: $2,000. Virginia: $2,600. Borrowers (other than current customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. New York: $20,000. An unsecured loan is a loan that does not require you to provide collateral (such as a motor vehicle) to the lender.

$1,500–$20,000

Nothing

The average score is 600 to 650

Rocket Loans

on the secure site of NerdWallet

Ideal for Same Day Approval, Next Day Funding

5.97–29.69%

All personal loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loans are unsecured and fully amortize personal loans. Loan eligibility is not guaranteed. Please see our Disclosures and Licenses page for state required disclosures, licenses and lending restrictions. The borrower must be a US citizen or permanent resident alien of the United States who is at least 18 years old (in Nebraska and Alabama, a borrower must be at least 19 years old). All loan applications are subject to credit review and approval. Loan terms offered depend on your credit profile, amount requested, length of loan requested, credit usage, credit history and other factors. Not all borrowers get the lowest interest rate. To qualify for the lowest rate, you must have excellent credit, meet certain conditions and select automatic payment. Rates and conditions may be modified at any time without notice. Please refer to RocketLoans.com and our Terms of Service for additional terms and conditions.

$2,000–$45,000

640

See my rates

on the secure site of NerdWallet

Figure Personal loan

Ideal for Same Day Approval, Next Day Funding

5.75–22.94%

This APR includes an automatic payment discount.

$5,000–$50,000

680

See my rates

on the secure site of NerdWallet

To improve

Ideal for approval in a few days, financing the same day

5.94–35.47%

Personal loans granted through Upgrade have APRs of 5.94% to 35.47%. All personal loans carry an origination fee of 2.9% to 8%, which is deducted from the loan proceeds. Lower rates require automatic payment and direct repayment of some existing debt. For example, if you receive a $10,000 loan with a term of 36 months and an APR of 17.98% (which includes an annual interest rate of 14.32% and a one-time origination fee of 5%) , you will receive $9,500 in your account and you will have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. Your loan APR may be higher or lower, and your loan offers may not have multiple terms available. The actual rate depends on credit score, credit usage history, loan term and other factors. Late payments or subsequent fees and commissions may increase the cost of your fixed rate loan. There are no fees or penalties for prepaying a loan. Personal loans issued by Upgrade lending partners. Information about Upgrade’s lending partners is available at https://www.upgrade.com/lending-partners/. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of completing the necessary verifications. The availability of funds depends on how quickly your bank processes the transaction. From the time of approval, funds must be available within four (4) business days. Funds sent directly to repay your creditors may take up to 2 weeks to clear, depending on the creditor.

$1,000–$50,000

560

Universal Credit

Ideal for approval in a few days, financing the same day

8.93–35.43%

Personal loans made through Universal Credit have APRs of 8.93% to 35.93%. All personal loans carry an origination fee of 4.25% to 8%, which is deducted from the loan proceeds. Lower rates require automatic payment and direct repayment of some existing debt. For example, if you receive a $10,000 loan with a term of 36 months and an APR of 27.65% (which includes an annual interest rate of 22.99% and a one-time origination fee of 6%) , you will receive $9,400 in your account and you will have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. Your loan APR may be higher or lower, and your loan offers may not have multiple terms available. The actual rate depends on credit score, credit usage history, loan term and other factors. Late payments or subsequent fees and commissions may increase the cost of your fixed rate loan. There are no fees or penalties for prepaying a loan.

$1,000–$50,000

560