Fast-cash offers often promote no credit needed, but they can come with high interest rates and short repayment terms. Fast personal loans are not instant cash loans, but you can receive money as soon as the same day.

Eligible applicants typically have strong credit and a stable income. These profiles are likely to be approved quickly and for lower interest rates.

For the fastest approval, be sure to fill out the application accurately and respond promptly to any requests for further documentation. Our team put together a comprehensive point rating system to evaluate personal loan companies.

We gathered data points from 28 of the most prominent lenders in the US and analyzed disclosures, licensing documents, sample loan agreements, marketing materials and websites.

Our rating system takes into account four broad categories. Our top-rated lenders may not be the best fit for all borrowers. To learn more, read our full personal loans methodology. MarketWatch Guides Personal Loans Best Fast Personal Loans for Quick Cash of February Loan Amount.

Updated: February 12, Written by Trea S. Branch Written by Trea S. Branch Contributing Writer Trea S. Edited by Andrew Dunn Edited by Andrew Dunn Senior Editor Andrew Dunn is a veteran journalist with more than a decade of experience in the business and finance arena.

When shopping for a fast loan, prequalify with multiple lenders to compare rates and fees and choose the offer that fits your budget. Related Resources Best Personal Loans Best Low-Interest Personal Loans How Long Does It Take To Get a Personal Loan? Should You Pay Off a Personal Loan Early?

What Documents Are Required for a Personal Loan? When Should You Consider a Personal Loan? Pros and Cons Obtaining a Fast Personal Loan The Bottom Line FAQs Methodology. LightStream : Our top pick SoFi : Best customer service PenFed : Best for small loans Discover : Best for low rates Upstart : Best for bad credit U.

Bank : Best for bank switchers Upgrade : Best discounts Wells Fargo : Best for in-person service. LightStream Our Top Pick. SoFi Best Customer Service. Pros No origination fees, late fees or prepayment penalties Allows co-borrowers Multiple discounts for opting into things like autopay and direct deposit May adjust payments if unemployed Cons Does not allow co-signers Higher minimum loan amounts in some states.

PenFed Credit Union Best for Small Loans. Discover Best for Low Rates. Upstart Best for Bad Credit. Upstart Overview Upstart is a lending marketplace that connects borrowers to banks, credit unions and other financial institutions.

Pros Borrowers with low or no credit may qualify No fees for early loan payoff Prequalify without impacting your credit score Cons Applicants with low credit scores may pay higher interest rates Some lender partners may charge an origination fee Limited repayment terms — select three or five years.

Bank Best for Bank Switchers. US Bank Overview U. Pros More favorable loan terms for existing U. Upgrade Best Discounts. Pros Multiple discounts Allows co-borrowers No prepayment penalties Cons Charges an origination fee between 1.

Wells Fargo Best for In-Person Service. Company Overview Wells Fargo offers personal loans for eligible existing customers at low interest rates, starting at 7.

Pros Offers a discount for automatic payments from eligible Wells Fargo accounts No origination fees or prepayment penalties Option to change your payment due date Cons Must be an existing Wells Fargo customer to apply for a personal loan May charge a late payment fee No option to pay creditors directly.

Filters Overall Rating Out of Minimum Credit Score. Overall Rating Out of Interest Rate APR 7. Term Options Months Interest Rate APR 8. Minimum Credit Score PenFed Credit Union. Interest Rate APR 6.

Term Options Months 36 or Term Options Months for customers, for non-customers. Wells Fargo. Best Personal Loan Provider Overall Rating Out of SoFi Read Review. PenFed Credit Union Learn More.

Discover Read Review. Upstart Read Review. Bank Read Review. Upgrade Learn More. Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education.

We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for personal loans and our editorial guidelines.

Some lenders say they can approve a loan application in minutes and fund a loan in a day or two of approval, while others may take a few days for each. Generally, you should get the funds from a loan within a week of approval.

It is safe to get a loan from an online lender; you just need to choose a reputable lender. Know the signs of predatory loans to avoid a debt trap.

A credit union may be the best option for bad-credit borrowers. They offer lower loan rates and look at more than just your credit score when reviewing your application. But there may be other funding options.

Online lenders typically report your payments to credit bureaus, which can help you build credit. If your timeline is flexible, choose the loan with the lower rate and monthly payments you can afford over the quick loan. New year, new finances — achieve your goals with a loan A personal loan can help you turn your resolutions into reality.

GET STARTED. Popular lender pick. Visit Lender. on Upstart's website. Check Rate. on NerdWallet. View details.

Fast funding. Flexible payments. on LightStream's website. on Best Egg's website. on SoFi's website. Our pick for Fast loans with same-day approval, same-day funding. NerdWallet rating. APR 8. credit score None. credit score APR 9. Our pick for Fast loans with same-day approval, next-day funding.

APR 6. APR 7. Our pick for Fast loans with approval in a couple of days, next-day funding. APR Wide range of borrowing amounts and terms Check mark icon A check mark. No fees. Cons con icon Two crossed lines that form an 'X'. Only available to people with good credit con icon Two crossed lines that form an 'X'.

No pre-approval option. LightStream Personal Loan review External link Arrow An arrow icon, indicating this redirects the user. Receive your funds as soon as the same day Loans are made by Truist Bank, member FDIC. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down.

Avant Personal Loan. Perks Offers emergency, home improvement, and debt consolidation loans. Funds generally deposited by the next business day Check mark icon A check mark. No prepayment penalty.

Multiple types of fees con icon Two crossed lines that form an 'X'. High maximum APR con icon Two crossed lines that form an 'X'. Low maximum loan limit. Avant review External link Arrow An arrow icon, indicating this redirects the user.

Best Egg Personal Loan. Fast access to funds Check mark icon A check mark. High customer satisfaction Check mark icon A check mark.

Origination fees con icon Two crossed lines that form an 'X'. Unavailable in a few states and DC. Best Egg review External link Arrow An arrow icon, indicating this redirects the user. LendingPoint Personal Loan.

Perks Offers debt consolidation loans. Low minimum credit score required Check mark icon A check mark. No prepayment penalties. Restrictive loan amount range con icon Two crossed lines that form an 'X'. No loans in Nevada or West Virginia. LendingPoint Personal Loans review External link Arrow An arrow icon, indicating this redirects the user.

Rocket Loans Personal Loan. Check rates Compare rates from participating lenders via Fiona. Competitive minimum APR Check mark icon A check mark. No prepayment penalty Check mark icon A check mark. Same-day funding available. Not available in all states. Rocket Loans personal loan review External link Arrow An arrow icon, indicating this redirects the user.

Product Details Unavailable in Iowa, Nevada, and West Virginia. Upstart Personal Loan. Perks You can prepay your loan at any time with no fee or penalty. Small minimum loan amounts Check mark icon A check mark. Quick loan fund disbursement. Only three and five year terms con icon Two crossed lines that form an 'X'.

Potential for high origination fees. Upstart review External link Arrow An arrow icon, indicating this redirects the user.

OppLoans Personal Loan. OppLoans doesn't charge an origination fee, late fee, or prepayment penalty. Check mark icon A check mark. Depending on when your loan is approved, you can get your money as soon as the next business day.

Many other personal loan companies and financial institutions will turn away people with poor credit, but OppLoans offers options for those who have bad credit standing.

OppLoans' APR range is substantially higher than most other personal loan companies. con icon Two crossed lines that form an 'X'. OppLoans is only available in 35 states and Washington, DC. If you don't live in one of those states, you won't be able to take out a loan with the company.

OppLoans Personal Loans review External link Arrow An arrow icon, indicating this redirects the user. Can I borrow cash instantly?

Are there online personal loans with same-day deposit? How can I get a personal loan fast? Could I save money by waiting longer for my cash? Liz Knueven. Liz was a personal finance reporter at Insider. Before joining Insider, she wrote about financial and automotive topics as a freelancer for brands like LendingTree and Credit Karma.

She earned her bachelor's degree in writing from The Savannah College of Art and Design. She lives and works in Cincinnati, Ohio. Find her on Twitter at lizknueven.

Ryan Wangman, CEPF. Ryan Wangman was a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans.

He is also a Certified Educator in Personal Finance CEPF. In his past experience writing about personal finance, he has written about credit scores, financial literacy, and homeownership. He graduated from Northwestern University and has previously written for The Boston Globe.

Elias Shaya. Elias Shaya is a junior compliance associate on the Personal Finance Insider team based in New York City. Personal Finance Insider is Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that readers already know and love.

The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions.

The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up to date and accurate.

He joined Insider in February as a fellow on the compliance team. Elias has a Bachelor of Science in International Business from the CUNY College of Staten Island.

Prior to joining Insider, he volunteered at the New York Presbyterian Hospital, where he worked with the biomedical engineering department. In his spare time, Elias enjoys exploring new restaurants, traveling to visit his family in Lebanon, and spending time with friends.

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If an emergency cost pops up and you don't have the cash to pay for it, a quick loan might seem like your saving grace. · Wells Fargo: Good for LightStream: Our top pick · SoFi: Best customer service · PenFed: Best for small loans · Discover: Best for low rates · Upstart: Best for bad credit Get instant loans with our trusted lenders. We offer personal loans that you can apply for online and quickly receive the money in your bank account: Quick money lending options

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