Quick Personal Loans: Best Lenders for Quick Cash

LightStream

Ideal for Same Day Approval, Same Day Funding

4.99–19.99%

Rates shown are with AutoPay. The terms of your loan are unsecured and may vary depending on the purpose of the loan, the duration of the loan, the amount of the loan, the credit history and the method of payment (automatic payment or invoice). Autopay discount is only available when selected prior to loan funding. Rates without automatic payment are 0.50%. superior. To obtain a loan, you must complete an application on LightStream.com, which may affect your credit score. You may need to verify your income, identity, and other information on the application. Example of payment: monthly payments for a loan of $25,000 at 4.98% An APR with a term of 20 years would result in 240 monthly payments of $164.71. Certain additional conditions and limitations apply. Advertised rates and conditions are subject to change without notice. Truist Bank is an equal housing lender. © 2022 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 B anc.

$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

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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Personal loan from a US bank

on the secure site of NerdWallet

Ideal for Same Day Approval, Same Day Funding

6.99–19.49%

This APR includes an automatic payment discount.

$1,000–$50,000

660

See my rates

on the secure site of NerdWallet

LendingPoint

LendingPoint

on the LendingPoint website

Ideal for Same Day Approval, Next Day Funding

7.99–35.99%

Applications submitted on this website may be funded by one of many lenders, including: FinWise Bank, a Utah chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, an approved lender in some states. Loan approval is not guaranteed. Loan offers and actual loan amounts, terms and Annual Percentage Rates (“APR”) 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 or other fees of 0% to 7% may apply depending on your state of residence. Upon final approval of underwriting to fund a loan, said funds are often sent via ACH on the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms of 24 to 60 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500. For a well-qualified client, a $10,000 loan over a 48-month term with an APR of 24.34% and origination fee of 7% will result in a payment of $327.89 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount of $15,575.04 due under the sample loan terms provided in this disclaimer. liability includes origination fees financed in addition to the loan amount. Clients may have the option of deducting origination fees from the disbursed loan amount if they wish. If origination fees are added to the financed amount, interest is charged on the total principal amount. The total amount due is the total amount of the loan you will have paid after making all payments as scheduled.

$2,000–$36,500

600

on the LendingPoint website

Discover

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

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. Flat rates 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

on the OneMain Financial website

First Tech Credit Union Personal Loan

First Tech Credit Union Personal Loan

on the secure site of NerdWallet

Ideal for Same Day Approval, Next Day Funding

6.70–18.00%

$500–$50,000

660

See my rates

on the secure site of NerdWallet

loan club

loan club

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

6.34–35.89%

A representative example of loan repayment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and an origination fee of 5.30 % of $711, for an APR of 15.99%. In this example, you will receive $12,700 and make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan terms are 36 months or 60 months. Certain amounts and terms may not be available in certain states. The APR ranges from 7.04% to 35.89% and is determined at the time of application. Origination fees vary from 3% to 6% of the loan amount. The lowest APR is available for borrowers with excellent credit. Advertised rates and fees are effective as of 07/01/21 and are subject to change without notice. Loans are made by LendingClub Bank, NA, Member FDIC (“LendingClub Bank”), a wholly owned subsidiary of LendingClub Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment prior to to be able to be financed or issued. Certain information we subsequently obtain as part of the application process (including, but not limited to, information contained in your consumer report, your income, the loan amount you are requesting, the purpose of your loan and eligible debt) will be taken into account and may affect your ability to obtain a loan from us. Closing of the Loan is subject to acceptance of all required agreements and disclosures on Lendingclub.com. “LendingClub” is a registered trademark of LendingClub Bank.

$1,000–$40,000

600


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