Find a Personal Loan From a Fast Lender

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

You’ve probably seen ads about getting cash soon. But before you dial one of those sketchy 800 numbers or approach a high-interest lender, it’s important to carefully decide if same-day loans are right for you.

While it might be easy to get approved for a same-day loan through a payday lender or pawn shop, it probably won’t be simple to pay off. However, there are other, better options available if you need a quick loan.

Here’s what you need to know about same-day loans:

9 personal lenders for quick loans

Instead of going to a predatory payday lender or dropping off your grandma’s ring at a pawn shop, you might be able to quickly access cash by taking out a personal loan.

The lenders in the table below are Credible’s partners that offer fast loans. You can compare your rates from each of them in two minutes.

Plus, depending on the lender and whether you’re approved, the time to fund for a loan from one of these lenders could be as little as one business day after you’ve accepted and signed your final loan agreement.

Lender Fixed rates Loan amounts Min. credit score Time to fund

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



9.95% – 35.99% APR
$2,000 to $35,000** 550 As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
  • Fixed APR:

    9.95% – 35.99% APR
  • Variable APR:
    N/A
  • Min. credit score:
    550
  • Loan amount:
    $2,000 to $35,000**
  • Loan terms (years):
    2, 3, 4, 5*
  • Time to fund:
    As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
  • Fees:
    Origination fee
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states except CO, IA, HI, VT, NV NY, WV
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Loan servicer:
    Avant
  • Loan Uses:
    Debt consolidation, emergency expense, life event, home improvement, and other purposes
  • Min. Income:
    $1,200 monthly

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



6.79% – 17.99% APR
$10,000 to $50,000 700 Next business day
  • Fixed APR:

    6.79% – 17.99% APR
  • Variable APR:
    N/A
  • Min. credit score:
    700
  • Loan amount:
    $10,000 to $50,000
  • Loan terms (years):
    3 to 6
  • Time to fund:
    Next business day
  • Fees:
    No prepayment penalty
  • Discounts:
    None
  • Eligibility:
    Available in all 50 states
  • Customer service:
    Phone
  • Soft credit check:
    Yes
  • Min. Income:
    Does not disclose
  • Loan Uses:
    Debt consolidation, home improvement, self-employment, and other purposes

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



4.99% – 35.99% APR
$2,000 to $50,000 600 As soon as 1 – 3 business days after successful verification
  • Fixed APR:

    4.99% – 35.99% APR
  • Variable APR:
    N/A
  • Min. credit score:
    600
  • Loan amount:
    $2,000 to $50,000
  • Loan terms (years):
    2, 3, 4, 5
  • Time to fund:
    As soon as 1 – 3 business days after successful verification
  • Fees:
    Origination fee
  • Discounts:
    None
  • Eligibility:
    Available in all states except DC, IA, VT, and WV
  • Customer service:
    Phone
  • Soft credit check:
    Yes
  • Loan servicer:
    Best Egg and Blue Ridge Bank
  • Min. Income:
    None
  • Loan Uses:
    Credit card refinancing, debt consolidation, home improvement, and other purposes

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



5.99% – 24.99% APR
$2,500 to $35,000 660 As soon as the next business day after acceptance
  • Fixed APR:

    5.99% – 24.99% APR
  • Min. credit score:
    660
  • Loan amount:
    $2,500 to $35,000
  • Loan terms (years):
    3, 4, 5, 6, 7
  • Time to fund:
    As soon as the next business day after acceptance
  • Fees:
    Late fee
  • Discounts:
    None
  • Eligibility:
     Available in all 50 states
  • Customer service:
    Phone
  • Soft credit check:
    Yes
  • Loan Uses:
    Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



15.49% – 35.99% APR
$2,000 to $36,500 580 As soon as the next business day
  • Fixed APR:

    15.49% – 35.99% APR
  • Min. credit score:
    580
  • Loan amount:
    $2,000 to $36,500
  • Loan terms (years):
    2, 3, 4
  • Time to fund:
    As soon as the next business day
  • Fees:
    Origination fee
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states except NV and WV
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Min. Income:
    $20,000
  • Loan Uses:
    Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



2.49% – 19.99% APR
$5,000 to $100,000 660 As soon as the same business day
  • Fixed APR:

    2.49% – 19.99% APR
  • Min. credit score:
    660
  • Loan amount:
    $5,000 to $100,000
  • Loan terms (years):
    2, 3, 4, 5, 6, 7*
  • Time to fund:
    As soon as the same business day
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states except RI and VT
  • Customer service:
    Phone, email
  • Soft credit check:
    No
  • Loan servicer:
    LightStream
  • Min. Income:
    Does not disclose
  • Loan Uses:
    Credit card refinancing, debt consolidation, home improvement, and other purposes

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



18.0% – 35.99% APR
$1,500 to $20,000 None As soon as the same day, but usually requires a visit to a branch office
  • Fixed APR:

    18.0% – 35.99% APR
  • Min. credit score:
    None
  • Loan amount:
    $1,500 to $20,000
  • Loan terms (years):
    2, 3, 4, 5
  • Time to fund:
    As soon as the same day, but usually requires a visit to a branch office
  • Fees:
    Origination fee
  • Discounts:
    None
  • Eligibility:
    Must have photo I.D. issued by U.S. federal, state or local government
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Min. Income:
    Does not disclose

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



6.95% – 35.99% APR
$2,000 to $40,000 640 As soon as one business day
  • Fixed APR:

    6.95% – 35.99% APR
  • Min. credit score:
    640
  • Loan amount:
    $2,000 to $40,000
  • Loan terms (years):
    3, 5
  • Time to fund:
    As soon as one business day
  • Fees:
    Origination fee
  • Discounts:
    None
  • Eligibility:
    Available in all states except IA, ND, WV
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Min. Income:
    None
  • Loan Uses:
    Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



8.93% – 35.93% APR7
$1,000 to $50,000 560 Within one day, once approved9
  • Fixed APR:

    8.93% – 35.93% APR7
  • Min. credit score:
    560
  • Loan amount:
    $1,000 to $50,000
  • Loan terms:
    3 to 5 years 8
  • Time to fund:
    Within one day, once approved9
  • Loan types:
    Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases
  • Fees:
    Origination fee
  • Discounts:
    Autopay
  • Eligibility:
    A U.S. citizen or permanent resident; not available in DC, SC, WV
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



5.94% – 35.97% APR
$1,000 to $50,000 560 Within a day of clearing necessary verifications
  • Fixed APR:

    5.94% – 35.97% APR
  • Min. credit score:
    560
  • Loan amount:
    $1,000 to $50,000*
  • Loan terms (years):
    2, 3, 5, 6
  • Time to fund:
    Within a day of clearing necessary verifications
  • Fees:
    Origination fee
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states except West Virginia
  • Customer service:
    Email
  • Soft credit check:
    Yes
  • Min. Income:
    Does not disclose
  • Loan Uses:
    Debt consolidation, credit card refinancing, home improvement, and other purposes

Credible Rating


Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.



4.37% – 35.99% APR4
$1,000 to $50,0005 580 As fast as 1 business day6
  • Fixed APR:

    4.37% – 35.99% APR4
  • Min. credit score:
    580
  • Loan amount:
    $1,000 to $50,0005
  • Loan terms (years):
    3 to 5 years4
  • Time to fund:
    As fast as 1 business day6
  • Fees:
    Origination fee
  • Discounts:
    None
  • Eligibility:
    Available in all 50 states
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Min. Income:
    $12,000
  • Loan Uses:
    Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes
Compare rates from these lenders without affecting your credit score. 100% free!
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All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | 10SoFi Disclosures | Read more about Rates and Terms

Find Out: Emergency Loans: How to Get a Personal Loan Fast

How to apply for a same-day loan

If you decide to get a personal loan, follow these four steps to apply:

  • Shop around and compare lenders: Don’t just go with the first lender you find. Be sure to consider as many lenders as possible to find the right loan for your needs. Remember to compare rates as well as any fees charged by the lender. With Credible, you can easily compare your prequalified rates from multiple lenders in two minutes after filling out a single form.
  • Complete the application: If you qualify for a personal loan, you’ll need to complete a full application and submit any required documentation. Make sure to thoroughly and accurately fill out the application and turn in documents quickly to avoid any delays.
  • Accept your loan: Review your loan offer in detail to make sure there are no surprises down the road. If you agree with the terms, sign to accept your loan and start the funding process.
  • Get your funds: If receiving your funds by direct deposit, you’ll have to enter your bank’s routing number and your account number. This way, the lender can send the funds directly to your account.

Before you borrow, estimate how much you’ll pay for a loan using our personal loan calculator below.

Enter your loan information to calculate how much you could pay

Total Payment
$

Total Interest
$

Monthly Payment
$

With a
$
loan, you will pay
$
monthly and a total of
$
in interest over the life of your loan. You will pay a total of
$
over the life of the
loan.


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Same-day loan frequently asked questions

Where can you get a same-day loan?

Several types of lenders offer same-day loans. These include payday lenders, car title lenders, and pawn shops — but keep in mind that these types of lenders often charge high rates and fees. You could also lose your car if you use it as collateral for a car title loan.

There are also reputable lenders and credit unions that offer fast loan approval with better terms. For example:

  • Alliant Credit Union offers same-day funding for many applicants.
  • Earnin could also be a good payday loan alternative for smaller loans of up to $100 per day interest-free.

Learn More: Where to Get a Personal Loan

What should you know before taking out a same-day loan?

Before taking out a loan, be sure to research the lender and carefully read the associated terms and conditions. If you can’t keep up with the required payments, the loan is likely not a good choice for your financial needs. Keep in mind that you can get a small loan with some lenders, which could be easier to pay off in the long run.

You’ll also typically need some documentation with your application, such as paystubs or your most recent tax return to verify your income.

Check Out: How to Get a $5,000 Personal Loan

Are same-day loans and payday loans the same?

No. You might be able to get a fast payday loan, but there are other types of same-day loans available.

If you take out a payday loan, your next paycheck will generally be used as collateral. Payday loans could be available to borrowers with poor credit, but they also come with exorbitant charges and interest rates — sometimes as high as 500%. This could be especially detrimental if you can’t afford to repay a payday loan.

As a general rule, avoid payday loans at all costs — not only because of the astronomical interest rates but also the potentially predatory nature of payday lenders.

Check Out: Cash-Advance Loan

Are same-day loans better than using a credit card?

It depends. If you only need to borrow a small amount and can afford to pay off a credit card by the due date, a credit card might be a good idea. You’ll also be able to repeatedly borrow with your credit card as long as you continue to pay it off on time. If you don’t pay off your credit card by the due date, you might be stuck with interest charges.

With a same-day loan, you’ll receive a specific amount with a fixed repayment term — you won’t have revolving credit like with a credit card. However, depending on your credit, you might be able to qualify for a lower interest rate than you’d get with a credit card.

See: Personal Loan vs. Credit Card

Can you get a same-day loan without a credit check?

Typically no. Most reputable lenders will generally want to review your credit before approving you for a loan. Your credit score will also help determine the interest rate you qualify for. If you have less-than-excellent credit, some lenders offer personal loans for fair credit as well as bad credit options.

Check Out: Short-Term Loans

Can you get a same-day loan for bad credit?

If you have poor credit, your same-day loan options might be limited. Some lenders offer same-day loan options for bad credit, but you might end up with a higher interest rate or have to pay higher fees. Be sure to consider the overall costs of taking out a personal loan before you borrow.

Learn More: Bad Credit Loans

What are some alternatives to same-day loans?

If a same-day loan doesn’t sound right for you, there are other options available. Here are a few alternatives that might be better for your needs:

  • Peer-to-peer loan: This is a type of personal loan that’s funded by a group of investors. The peer-to-peer lending platform acts as a middleman and takes banks out of the equation.
  • 0% APR credit card: Some credit cards offer introductory periods with 0% APR. If you pay off your balance by the end of this period, you won’t pay any interest. Keep in mind that if you can’t pay off the card in full by this time, you could be faced with hefty interest charges.
  • Home equity loan: With this kind of loan, you can use the value of your home as collateral. Home equity loans generally offer lower interest rates, but if you can’t make your payments, you might risk losing your home.
  • Home equity line of credit (HELOC): A HELOC is another type of home equity loan that gives you access to a revolving line of credit — similar to a credit card. You can borrow and repay the line of credit multiple times. Like a standard home equity loan, your house is used as collateral — meaning you could lose it if you stop making payments.

If you decide to take out a same-day loan, be sure to consider as many lenders as possible to find the right loan for you. Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes.

Ready to find your personal loan?
Credible makes it easy to find the right loan for you.

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  • More options, pick the loan option that best fits your personal needs
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About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 4.99-35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

About the author

Eric Rosenberg

Eric Rosenberg

Eric Rosenberg is an expert on personal finance. His work has been featured at Business Insider, Investopedia, The Balance, The Huffington Post, MSN Money, Yahoo Finance, Mint.com and more.

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