Fast Personal Loans: The Best Lenders for Fast Money

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Luminous flux

Best for same day approval, same day financing

4.99–19.99%

$5,000–$100,000

Loan Example: A four-year, $20,000 loan at an APR of 13.9% would cost $546 per month. You would pay a total of $6,208 in interest on this loan.

660

SoFi

SoFi

Best for same day approval, same day financing

7.99–23.43%

Fixed rates ranging from 7.99% APR to 23.43% APR reflecting the 0.25% auto payment discount and 0.25% direct deposit discount. The SoFi tariff zones are current as of 08/22/22 and are subject to change without prior notice. Not all fares and amounts are available in all states. See personal loan eligibility details. Not all applicants qualify for the lowest rate. The lowest interest rates are reserved for the most creditworthy borrowers. Your actual interest rate will be within the interest rates listed above and will depend on a variety of factors, including your credit rating, income and other factors. See APR examples and terms. The SoFi 0.25% AutoPay Interest Rate Reduction requires you to agree to make monthly principal and interest payments through an automatic monthly debit from a savings or checking account. For periods when you do not pay by automatic debit from a savings or checking account, the benefit will be canceled and lost.

$5,000–$100,000

680

Alliant Personal Loans

Alliant Personal Loans

on NerdWallet’s secure website

Best for same day approval, same day financing

6.24–27.24%

$1,000–$50,000

none

See my prices

on NerdWallet’s secure website

Rocket Loans

rocket loans

on NerdWallet’s secure website

Best for same day approval, same day financing

5.97–29.69%

All personal loans are originated by Cross River Bank, a New Jersey licensed commercial bank, member of the FDIC, Equal Housing Lender. All loans are unsecured, fully amortized personal loans. Creditworthiness is not guaranteed. Please see our Disclosures and Licenses page for government required disclosures, licenses, and borrowing restrictions. The borrower must be a US citizen or permanent resident alien and be at least 18 years old (in Nebraska and Alabama, a borrower must be at least 19 years old). All credit applications are subject to credit screening and approval. The credit terms offered depend on your credit profile, amount requested, desired repayment term, credit usage, credit history, and other factors. Not all borrowers get the lowest interest rate. To qualify for the lowest interest rate, you must have excellent credit, meet certain conditions, and select automatic payment. Tariffs and conditions are subject to change at any time without prior notice. See RocketLoans.com and our Terms of Service for additional terms and conditions.

$2,000–$45,000

640

See my prices

on NerdWallet’s secure website

upstart

upstart

Best for same day approval, next day financing

5.42–35.99%

$1,000–$50,000

none

Discover

Discover® personal loans

Best for same day approval, next day financing

5.99–24.99%

$2,500–$35,000

660

OneMain

One Main Financial

on the OneMain Financial website

Best for same day approval, next day financing

18.00–35.99%

Not all applicants qualify for larger loan amounts or the most favorable loan terms. Credit approval and actual credit terms are dependent on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and the availability of collateral). Larger loan amounts require an initial lien in your name on a motor vehicle that is not older than ten years and that corresponds to our value requirements with valid insurance. The maximum annual percentage rate (APR) is 35.99%, subject to government restrictions. The APR is generally higher for loans that are not secured by a vehicle. Depending on the state where you open your loan, the processing fee can be either a lump sum or a percentage of your loan amount. Flat fees vary by state and range from $25 to $300. Percentage fees vary by state and range from 1% to 10% of your loan amount, subject to certain state restrictions on fee levels. Active duty military personnel, their spouses or dependents covered by the Military Lending Act may not pledge a vehicle as collateral for a loan. Proceeds from the OneMain loan cannot be used for post-secondary education expenses as defined by CFPB Regulation Z, such as: B. College, university or vocational training expenses; for business 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 an existing customer, the minimum loan amount is $3,100. Ohio: $2,000. Virginia: $2,600. Borrowers (other than existing 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 the lender with any collateral (e.g. a motor vehicle).

$1,500–$20,000

none

The average score is 600 – 650

LendingPoint

LendingPoint

on the LendingPoint website

Best for same day approval, next day financing

7.99–35.99%

$2,000–$36,500

600

Update

Update

Best for approval in a few days, funding next day

6.95–35.97%

$1,000–$50,000

560

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