Quick Personal Loans: Best Lenders for Quick Cash

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LightStream

Ideal for Same Day Approval, Same Day Funding

4.99–19.99%

$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

SoFi

SoFi

Ideal for Same Day Approval, Same Day Funding

7.99–23.43%

The fixed rates of 7.99% APR to 23.43% APR APR reflect the 0.25% automatic payment discount and a 0.25% direct deposit discount. SoFi rate ranges are effective as of 8/22/22 and are subject to change without notice. Not all rates and amounts are available in all states. See personal loan eligibility details. Not all applicants qualify for the lowest rate. The lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates shown 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 by automatic monthly debit from a savings or checking account. The benefit will cease and be forfeited during periods when you do not pay by direct debit from a savings or checking account.

$5,000–$100,000

680

Alliant Personal Loan

Alliant Personal Loan

on the secure site of NerdWallet

Ideal for Same Day Approval, Same Day Funding

6.24–27.24%

$1,000–$50,000

None

See my rates

on the secure site of NerdWallet

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Rocket Loans

on the secure site of NerdWallet

Ideal for Same Day Approval, Same Day Funding

5.97–29.69%

All personal loans are made by Cross River Bank, a New Jersey 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

Reached

Reached

Ideal for Same Day Approval, Next Day Funding

5.42–35.99%

$1,000–$50,000

None

Discover

Discover® Personal Loans

Ideal for Same Day Approval, Next Day Funding

5.99–24.99%

$2,500–$35,000

660

OneMain

OneMain Financial

on the OneMain Financial website

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

None

The average score is 600 to 650

LendingPoint

LendingPoint

on the LendingPoint website

Ideal for Same Day Approval, Next Day Funding

7.99–35.99%

$2,000–$36,500

600

Upgrade

Upgrade

Ideal for approval in a few days, funding the next day

6.95–35.97%

$1,000–$50,000

560

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