Best Personal Loans You Can Get Quickly in June 2026
Compare trusted online lenders and see how quickly you could get funded
- Many online lenders offer personal loans with same-day or next-day funding for qualified borrowers.
- Fast funding depends on your credit score, loan amount, lender verification process and bank processing times.
- Some lenders specialize in fast online loans for fair or bad credit borrowers.
- Comparing multiple lenders can help you find lower rates and faster funding timelines.
| Lender | User rating | APR | Amount | Min. credit score | |
|---|---|---|---|---|---|
|
6.09% to 17.99% (with autopay) |
$600 – $50k |
Not specified | ||
|
6.20% to 35.99% |
$1k – $75k |
None | ||
|
6.49% to 24.89% (with autopay) |
$5k – $100k |
Not specified | ||
|
6.99% to 35.49% (with discounts) |
$5k – $100k |
600 | ||
|
7.74% to 35.99% (with discounts) |
$1k – $50k |
600 | ||
|
7.99% to 24.99% |
$2.5k – $40k |
720 | ||
|
8.01% to 29.99% (with autopay) |
$2k – $75k |
620 | ||
|
9.95% to 35.99% |
$2k – $35k |
580 | ||
|
11.99% to 35.99% |
$1.5k – $30k |
None |
Read more about how we made our picks for the best quick loans.
How fast can you get a personal loan?
Some personal loan lenders offer same-day funding, while others may take several business days to deposit funds into your account. Funding speed depends on factors like your credit profile, lender verification process and your bank’s deposit timing.
Typical funding timelines by lender type
| Lender type | Typical funding timeline |
|---|---|
| Online lenders | Several hours to a few business days |
| Credit unions | 1 to 5 business days |
| Banks | 1 to 5 business days |
Tips to get funded faster
- Apply early in the business day
- Upload requested documents immediately
- Use direct deposit when available
- Prequalify before formally applying
- Double-check your application for errors or missing information
Need money for an urgent expense? See LendingTree’s picks for the best emergency loans.
Borrowers often use fast personal loans for time-sensitive expenses such as:
Personal loans are flexible, meaning lenders usually place few restrictions on how funds can be used.
Quick loan lenders at a glance
Best for: Small loans – PenFed Credit Union
- APR (with autopay)
- 6.09% to 17.99%
- Can borrow as little as $600
- Competitive rates for borrowers with excellent credit
- No origination fees
- Membership includes access to discounts on insurance and other financial products
- Have to join the credit union (but becoming a member is easy)
- Physical branches only in a handful of states (but does business online in all 50 states)
- Phone support unavailable on Sundays
PenFed Credit Union may be a good fit if you need a smaller personal loan. While many online lenders start loan amounts at $1,000 or higher, PenFed offers loans starting at $600, which may help you avoid taking on more debt than necessary.
Although you’ll have to join the credit union to get a quick loan, PenFed is open to everyone. Joining is an easy process — you can apply for an online loan and become a member at once. You can also check rates before joining so you don’t waste your time.
→ Check out LendingTree’s full PenFed Credit Union personal loan review.
To qualify for a PenFed loan, you must meet the following requirements:
- Membership: Join PenFed Credit Union (membership is open to everyone)
- Savings account: Open a PenFed savings account with a minimum $5 deposit
- Identity verification: Provide documentation to verify your identity and income if requested
Best for: Bad or no credit – Upstart
- APR
- 6.20% to 35.99%
- Borrowers with bad credit may still qualify
- Some applicants may qualify without an established credit score
- Usually doesn’t require you to file paperwork
- Sometimes charges an origination fee
- Only two repayment terms (36 or 60 months)
- Doesn’t allow joint applications or co-borrowers
Upstart may be a good fit if you have bad or limited credit history or if you don’t have an established credit score. When evaluating loan applications, Upstart considers factors beyond credit scores, including education and employment history.
Upstart offers repayment terms of 36 or 60 months only. If you’re approved with bad credit, you may also need to pay an origination fee, which Upstart deducts from the loan amount before funding.
→ Check out LendingTree’s full Upstart personal loan review.
Upstart has transparent eligibility requirements, including:
- Age: Be at least 18 years old
- Residency: Have a U.S. address, personal banking account, email address and Social Security number
- Income: Have a valid source of income, including a job, job offer or another regular income source
- Credit history: No bankruptcies within the last three years, reasonable number of recent inquiries on your credit report and no current delinquencies
- Credit score: Some borrowers may qualify without an established credit score
Best for: Avoiding fees – LightStream
- APR (with autopay)
- 6.49% to 24.89%
Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11. © 2024 Truist Financial Corporation. Truist, LightStream and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.
- Sign your loan documents by 2:30 p.m. ET on a business day for a same-day loan
- No origination fee or late payment fee
- APR discount for using autopay
- Can’t check rates without a hard credit check that may lower your credit score
- Must have good to excellent credit to qualify
- No extensions on payment due dates
LightStream may be a good fit if you have good to excellent credit and want fast funding without origination fees or late payment fees. You may receive funding the same day if your application is approved, verified and completed before 2:30 p.m. Eastern time (ET) on a business day.
Unlike many online lenders, LightStream doesn’t offer soft-credit prequalification, so checking your rate requires a hard credit inquiry that may temporarily affect your credit score.
For home improvement projects, LightStream offers repayment terms up to 240 months. Longer repayment terms may lower monthly payments, but you could pay more in total interest over time.
LightStream doesn’t specify its exact credit score requirements, but you must have good to excellent credit to qualify. Most of the applicants that LightStream approves have the following in common:
- At least five years of on-time payments under a variety of accounts (credit cards, auto loans, etc.)
- Stable income and the ability to handle paying their current debt obligations
- Savings, whether in a bank account, investment account or retirement account
Best for: Flexible fast funding – SoFi
- APR (with discounts)
- 6.99% to 35.49%
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2024 was around $33K. Information current as of 06/03/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions. Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% SoFi Plus interest rate discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 06/03/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibilitycriteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet. Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
- Same-day funding available if documents are signed before 5:30 p.m. ET on a business day
- Allows joint applications with a co-borrower
- Can borrow up to $100,000
- Multiple rate discount opportunities
- Includes free financial planning services
- Lowest rates may require paying an origination fee
- Typically requires at least fair credit
- Minimum loan amount starts at $5,000
SoFi may be a good fit if you’re looking for a combination of fast funding, flexible loan options and added member benefits. You may receive same-day funding if loan documents are completed before 5:30 p.m. ET on a business day, later than some competing lenders.
SoFi also stands out for offering joint applications, loan amounts up to $100,000 and free financial planning services. You may also qualify for multiple rate discounts, including autopay discounts.
However, if you’re looking for the lowest available APR, you may need to pay an origination fee. SoFi may also be less practical for smaller borrowing needs since loan amounts start at $5,000.
→ Check out LendingTree’s full SoFi personal loan review.
You must meet the requirements below in order to get a loan from SoFi:
- Age: Be at least 18 years old (or the age of majority in your state)
- Citizenship: Be a U.S. citizen, an eligible permanent resident or a non-permanent resident (a DACA recipient or asylum-seeker, for instance)
- Income: Have employment, a job offer starting within 90 days or another regular source of income
- Credit score: 600+
Best for: Flexible APR discounts – Upgrade
- APR (with discounts)
- 7.74% to 35.99%
- Multiple ways for qualified borrowers to lower their APR
- Accepts borrowers with fair credit
- Allows joint applications with a co-borrower
- Charges origination fees on every loan
- Borrowers with excellent credit may find lower rates elsewhere
Upgrade may be a good fit if you want flexible ways to lower your APR. You can receive discounts for setting up autopay, using loan funds to pay off existing debt or securing the loan with eligible collateral.
Upgrade also accepts borrowers with fair credit and allows joint applications with a co-borrower. However, every Upgrade loan includes an origination fee, which is deducted from the loan amount before funding.
→ Check out LendingTree’s full Upgrade personal loan review.
To qualify for a loan through Upgrade, you must meet the requirements below:
- Age: Be at least 18 years old (or the age of majority in your state)
- Residency: Be a U.S. citizen or permanent resident, or live in the U.S. with a valid visa
- Bank account: Have a valid bank account and email address
- Credit score: 600+
Best for: Excellent customer service – Discover
- APR
- 7.99% to 24.99%
- May offer repayment assistance programs if you’re struggling to make payments
- No fees
- Recommended by 97% of LendingTree users who have used Discover
- Highly rated mobile app experience
- Doesn’t allow joint applications or co-borrowers
- Requires excellent credit to qualify
Discover may be a good fit if you value strong customer support and repayment flexibility. Discover offers U.S.-based customer service seven days a week and may provide repayment assistance options if you’re experiencing financial hardship.
Discover also stands out for charging no origination fees. However, qualification requirements are stricter than many online lenders, including a minimum recommended credit score of 720. The lender also doesn’t allow joint applications or co-borrowers.
→ Check out LendingTree’s full Discover personal loan review.
You’ll need to meet these eligibility criteria to get a Discover loan:
- Age: Be at least 18
- Identification: Have a Social Security number
- Residency: Have a physical address, email address and internet access
- Income: Minimum income of $25,000 (individually or as a household)
- Credit score: 720+
Best for: Medium-sized purchases – Rocket Loans
- APR (with autopay)
- 8.01% to 29.99%
- Responsive customer service
- Competitive rates
- Accepts borrowers with fair credit
- Only offers two options for repayment terms (36 or 60 months)
- Doesn’t allow joint applications or co-borrowers
- Charges origination fees Up to 9.99%
Rocket Loans may be a good fit for borrowers financing medium-sized expenses like home repairs, medical bills or debt consolidation. Rocket Loans offers a streamlined online application process, competitive rates and same-day funding in some cases.
Rocket Loans also stands out for responsive customer service. According to the lender, 89% of customer service calls are answered within 30 seconds during business hours.
However, you can only choose from two repayment terms (36 or 60 months) and Rocket Loans charges origination fees. If you have excellent credit, you may also find a lower starting annual percentage rate (APR) elsewhere.
→ Check out LendingTree’s full Rocket Loans personal loan review.
To qualify for Rocket Loans, you must meet the requirements below:
- Age: Be at least 18 years old
- Citizenship: Must be a U.S. citizen
- Income: Minimum annual income of $24,000
- Residency: Live in an eligible state (Rocket Loans is unavailable in Nevada, Iowa, West Virginia and Maryland)
- Credit score: 620+
Best for: Fair credit loans – Avant
- APR
- 9.95% to 35.99%
- Accepts borrowers with fair credit
- Soft-credit prequalification available
- Customer service available seven days a week
- May offer payment flexibility for struggling borrowers
- Charges origination fees Up to 9.99%
- Borrowers with excellent credit may qualify for lower rates elsewhere
- Not available in all states
If you need a midsize loan and you have fair credit, Avant could be a solution. Avant only requires a credit score of 580. You can also prequalify for a personal loan (which only requires a soft credit hit) to check your eligibility. This can help you protect your credit score as you work on improving it.
However, if you have strong credit, you might want to check with another lender. With a minimum APR of 9.95%, you can probably find a lower rate somewhere else.
→ Check out LendingTree’s full Avant personal loan review.
To get a loan with Avant, you’ll need to meet the following minimum requirements:
- Residency: Not available to residents of Hawaii, Iowa, Maine, Massachusetts, New York, Vermont, Washington and West Virginia.
- Income: May need to submit bank statements, pay stubs or tax documents to prove your income.
- Employment: Avant may contact your employer to verify employment
- Credit score: 580+
Best for: Same-day bad credit emergency loans – OneMain Financial
- APR
- 11.99% to 35.99%
California residents must borrow at least $3,000
- Can get your loan as soon as an hour after signing your documents
- Can apply online, by phone or in person
- Accepts borrowers with fair or bad credit
- Charges origination fees
- High starting APR compared with some lenders
- Paying off the loan early may not significantly reduce total interest costs
OneMain Financial may be a good fit if you have fair or bad credit and need emergency funding quickly. You may receive funds the same day, and in some cases, within an hour after signing your loan documents. OneMain also allows you to apply online, by phone or in person at one of its branch locations.
However, OneMain’s rates and fees can be expensive compared with lenders designed for excellent credit borrowers. The lender also uses a precomputed interest model, which means paying off the loan early may not reduce total interest costs as much as it would with a simple-interest loan.
→ Check out LendingTree’s full OneMain Financial personal loan review.
OneMain Financial doesn’t specify a minimum credit score, but borrowers generally need to provide:
- Government-issued ID: Such as a driver’s license or passport
- Proof of residence: Such as a lease agreement or utility bill
- Proof of income: Such as pay stubs or tax returns
- Residency: Live in an eligible state (OneMain loans are unavailable in Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont, Washington, D.C. and U.S. territories)
Expert insight
Unexpected car repairs led to years of growing credit card debt before I had the chance to build savings. I used LendingTree to compare personal loan rates and ultimately chose Upgrade because it offered the lowest rate I could qualify for. What surprised me most was how quickly the process moved. I was able to pay off my credit card much faster than I expected.
One thing I wasn’t prepared for was the origination fee, since it was deducted upfront from the loan amount. Still, consolidating my debt into a fixed monthly payment gave me a fresh start and made repayment much easier to manage. I’m about to pay off the loan completely, and the autopay setup has made it a set-it-and-forget-it experience.
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Fast loans vs. emergency loans
Fast personal loans are designed for borrowers who want quicker funding timelines, while emergency loans are typically used for urgent expenses like medical bills, car repairs or unexpected home repairs.
Some borrowers use fast personal loans for emergencies, but emergency loans may come with different qualification requirements, rates and repayment terms depending on the lender.
See LendingTree’s guide to the pros and cons of emergency loans.
Quick loans for bad credit
Getting a fast personal loan if you have bad credit can be difficult, but some lenders are more flexible than others. Borrowers with lower credit scores may face higher APRs or stricter qualification requirements, so comparing multiple lenders is especially important.
-
Consider lenders that work with fair or bad credit.
Some lenders specialize in working with borrowers who have fair or bad credit. Avant, Upgrade and Upstart accept lower credit scores and may offer next-day funding for qualified borrowers. OneMain Financial may also offer same-day funding in some cases. -
Apply with a co-borrower.
Getting a joint loan (a loan with a co-borrower) can help boost your odds of loan approval, but keep in mind that adding a second person to your loan might down the approval process with some lenders. -
Consider secured loan options.
Secured loans may be easier to qualify for because they require collateral, such as a vehicle or savings account. However, secured loans may take longer to process because the lender must review and verify the collateral.
See LendingTree’s top picks for emergency loans for bad credit.
How to improve your chances of getting a quick loan
In some ways, how fast you get your loan is out of your hands. Still, there are a few things you can do to speed up the process.
What could speed up the loan process…
- Choosing an online lender. Many online loans come with same- or next-day funding. Online lenders can also have higher rates and fees than banks and credit unions.
- Applying before noon on a business day. Even if a lender advertises same-day loans, it depends on when you apply.
- Getting direct deposit. If the lender gives you the option between direct deposit and paper check, direct deposit is quicker.
- Taking time on your application. Mistakes can cause unnecessary back and forth with the lender.
What could slow down the loan process…
- Choosing a bank or credit union. Banks and credit unions can have lower rates, but the process is often slower (especially if you aren’t already a member).
- Adding a second person to your loan. Including a co-borrower on your application means your lender will have two credit histories to review.
- Being self-employed. Some lenders might ask for extra documents, such as profit and loss statements and business tax returns.
- Having rocky credit. A checkered financial history means the lender will have more to scrutinize.
Expert insights on fast personal loans
A quick loan shouldn’t mean a rushed loan. Take the time to understand the rates, fees and other fine print before you apply. What you don’t know can cost you. Comparison shopping is a must, too, because offers can vary widely from lender to lender. Other imperfect options such as credit card cash advances may be worth considering as well.
Fast funding doesn’t always mean a loan is the right financial choice. Borrowers may want to reconsider taking out a fast personal loan if they:
- Aren’t confident they can afford the monthly payments
- Plan to repeatedly borrow short-term loans
- Need money for discretionary spending
- Are considering rolling over payday-loan debt into another high-cost loan
In some cases, alternatives like payment plans, hardship assistance or nonprofit credit counseling may be worth exploring first.
Quick loan alternatives
Depending on your situation, a fast personal loan may not be the only option. Some borrowers may prefer alternatives that offer lower costs, smaller borrowing amounts or temporary payment relief.
Credit card cash advances
Could be best if you already have available credit and need money quickly.
Cash advances let you borrow against your credit card’s limit without submitting a separate loan application.
However, cash advances often come with fees and higher interest rates than regular credit card purchases. Interest typically starts accruing immediately, even if you pay your balance in full by the due date.
Paycheck advance apps
Could be best if you only need a small amount before your next payday.
Paycheck advance apps let you borrow money from your upcoming paycheck. In most cases, these apps don’t require a credit check and don’t charge interest. Instead, some may charge a membership fee or ask for a voluntary tip.
These apps offer small-dollar loans, which could be helpful if you’re struggling to make it through the week. But beware, borrowing from your paycheck too often can get you into a hole that’s hard to dig out of.
Buy now, pay later apps
Could be best for splitting up retail purchases into smaller payments.
Buy now, pay later (BNPL) apps let you break retail purchases into smaller payments (usually four, spread across six weeks). While many BNPL plans are interest-free, managing multiple payment schedules at once can become difficult and may lead to overspending.
Hardship programs
Could be best if you’re struggling to keep up with existing bills or loan payments.
If you need help paying a loan or utility bill, see if you’re eligible for a financial hardship program. You might be able to pause your payments (also called forbearance), have fees waived or get a temporary rate reduction.
If you enter a loan forbearance program, you’ll still have to repay the loan in full eventually. Interest may also continue to accrue.
Depending on your situation, earning extra income may help reduce how much you need to borrow and how much interest you’ll pay over time.
Doing odd jobs
Local Facebook groups and neighborhood apps like Nextdoor may help you find short-term work such as yard work, moving help or house cleaning. For safety, meet in public when possible and let someone know where you’ll be.
Donating plasma
Healthy adults may be able to earn money by donating plasma. Appointments often take 90 minutes to two hours, and compensation may range from $30 to $100 or more per visit.
Selling stuff online
Selling gently used electronics, furniture or clothing on platforms like Facebook Marketplace, eBay or Craigslist may help generate quick cash without taking on debt.
Starting a side hustle
Freelance work, delivery driving or online gigs may provide additional income over time. According to a LendingTree survey, 33% of Americans have a side hustle, earning an average of $1,242 per month.
Avoid predatory fast loans
If you’re facing an urgent financial situation, you may encounter lenders that charge extremely high fees or require risky collateral. Before accepting any fast loan offer, make sure you understand the total borrowing cost and repayment terms.
If you need money fast, payday loans can seem enticing. They promise quick cash without a credit check. Avoid payday loans at all costs.
Payday loans can come with fees that equate to APRs as high as 400%. You also usually only have a week or two to pay back what you borrowed. These short terms could force you to take yet another payday loan to pay for the first one, trapping you into a cycle of debt.
See LendingTree’s full guide on personal loans vs. payday loans.
Like payday loans, pawn shop loans don’t require credit checks. They’re also risky and come at a high cost.
A pawn shop loan requires an expensive personal item (like jewelry) in exchange for the loan. The amount you can borrow is typically much less than what your collateral is worth. So, you’re already getting a bad deal from the start. If you don’t repay your loan, the pawn shop will keep your collateral to offset its loss.
Car title loans and pawn shop loans are similar in that they both require collateral. In the case of a car title loan, it’s your car.
Car title loans generally come with sky-high interest rates and fees. You generally only have 15 days to 30 days to pay your loan, and your loan might only be equal to 25% to 50% of your vehicle’s value. Worst of all, the lender can repossess your vehicle if you don’t repay.
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How we chose the best quick loans
We reviewed more than 40 lenders and loan marketplaces to determine the overall best five quick loans. To make this list, the company must have the ability to send funds the same or the next day that it approves an applicant.
From there, we assessed each lender or marketplace across four categories: eligibility and access; cost to borrow; loan terms and options; repayment support and tools.
According to our standardized rating system, the best quick loans come from LightStream, Upstart, PenFed, Upgrade, Discover, Rocket Loans, SoFi, Avant and OneMain Financial.
Our categories
We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.
We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.
We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.
We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.
Our process
We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.
Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings. Read more about our editorial guidelines.
Our writers and editors dig through the facts, contact lenders directly and even go through the application process ourselves if it helps better explain what you can expect. As a Certified Financial Education Instructor℠, I’m committed to breaking down complex financial details so people can make confident, informed decisions with their money.
Jessica’s experience in editing and financial education helps shape LendingTree articles that are clear, accurate and truly useful to readers. Her certification means our recommendations are built on a foundation of consumer-first financial knowledge — not just numbers.
Frequently asked questions
[partner-data id="1" table="partner_products_personal"]Rocket Loans, OneMain Financial, Rocket Loans and SoFi offer same-day loans as long as you submit everything by the lender’s cutoff time.
Technically, there is no such thing as an instant loan. No matter the company, you have to fill out an application and submit any required documentation. Understanding how emergency loans work is key to getting a good deal.
You could opt for a paycheck advance app — these generally have a fast funding timeline.
The easiest loans to get (payday loans, pawn shop loans and car title loans) are the most expensive. Before resorting to these options, check out Upstart, Avant or Upgrade. These lenders work with borrowers with fair to poor credit.
Most reputable online lenders have minimum loan amounts between $1,000 and $2,000. However, some paycheck advance apps (such as Dave) will let you borrow up to $500. Dave is easier to qualify for than most personal loans, but it will access your bank account to make sure you can afford to borrow.
You could also consider a cash advance if you have a credit card that allows it.