Summary List PlacementTable of Contents: Masthead StickyThe 3 best quick personal loans for same or next-day funding:

Funding time
Interest rate

Same-day (conditions apply)
4.99% to 19.99%* APR with AutoPay (rates vary by loan purpose)

Upstart Personal Loan

4.66% – 35.99% APR
Upstart Personal Loan

Avant Personal Loans
From 9.95% to 35.99% APR
Personal Loans

Other fast personal loans we considered:

Funding time
Interest rate

Alliant Credit Union personal loans
6.24% to 10.24% APR
Learn more »

OneMain Financial Personal loan

18.00% – 35.99% APR
OneMain Financial Personal loan

Best Egg personal loans
Same-or next-day available
5.99%–29.99% APR
Learn more »

HSBC personal loans
Same-day for current customers, next-day for anyone else
Starting at 5.99% APR for current customers, 6.99% APR for non-customers
Learn more »

LendingPoint personal loans
9.99% to 35.99% APR
Learn more »

BBVA personal loans
Same-day for customers with a BBVA checking account
4.99% to 28.99%
Learn more »

Wells Fargo personal loans
Next business day
5.74% to 24.49% APR
Learn more »


Not every personal loan has funding available the same or next business day for quick cash, but some lenders offer this option.

However, personal loans are expensive, and fast personal loans are even more so. That quick turnaround could come at the cost of higher interest rates. You could get a lower interest rate from another lender that doesn’t offer same-or next-day funding by waiting a few extra days, if possible.

The best quick personal loan for you will largely depend on your credit score. Like a grade for your borrowing, credit scores falls on a scale between 300 and 850. Here’s how the scores break down, according to FICO: 

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Very poor: 300 to 579

Fair: 580 to 669

Good: 670 to 739 

Very good: 740 to 799 

Exceptional: 800 to 850

Knowing your score before you start shopping for a personal loan could help you find your best deal quicker. Check your credit score for free online to see what interest rates and loans you could qualify for. 

More on the 3 best quick personal loans
Best for excellent credit: LightStream personal loans

Same-day funding, if accepted, verified, and signed before 2:30 p.m. ET
Interest rates range from 4.99% to 19.99%* APR with AutoPay (rates vary by loan purpose)

Only available for borrowers with good or better credit
Loan amounts from $5,000 to $100,000
Terms range from two to 12 years* (depending on loan purpose)

LightStream personal loans are a solid choice for both relatively low interest rates and same-day funding. This lender also topped Insider’s list of best personal loans in 2021, and quick funding is yet another bonus.  

However, this lender won’t be a good option for anyone with a poor credit score or little credit history. LightStream requires that applicants have a minimum credit score of 660.

For anyone who does qualify for a personal loan with LightStream, this is the most affordable option for fast cash. If your loan is verified and signed before 2:30 p.m. ET, same-day funding is available.

Lightstream LightStream

Best for good credit: Upstart personal loans 

Next-business-day funding
Interest rates range from …read more

Source:: Business Insider


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