Fast Personal Loans

The Best Fast Personal Loans for Quick Cash for October 2021

Many lenders offer this option. Some personal loans may not be available the next day. Personal loans can be quite expensive. Personal loans that are easy and quick to get are often more costly. This makes them an expensive way to make money or get money online. You might need to pay higher interest rates if you want a fast turnaround. You might be able to get a lower rate if you wait.

The best personal loan option for you will depend on your credit score. A credit score is a grade that you receive for borrowing. These scores can range from 300 to 850. These are the FICO scores.

  • Very poor 395-579
  • Fair 580 – 6669
  • Good 670
  • Excellent: 740-799
  • Extraordinary: 800 to 855

You can get the best personal loan deal quicker by improving your credit score. Find out which interest rates and loans are available by checking your credit score online.

These are Insider’s top picks for funding same-day or next-day funding.


Personal loans with Lightstream rates, same-day funding, and personal loans are great options. This lender was ranked #5 in Insider’s 2021 Best Personal loans.

Low credit scores or poor credit history are not recommended for this lender. LightStream requires that applicants have a minimum credit score of 660.

Anyone who meets the eligibility criteria for LightStream personal loans is eligible. This is your best option to get quick cash. LightStream must sign the loan and verify it by 2:30 p.m. ET.

Lightstream offers lower rates, faster service, and greater flexibility than Upstart. Lightstream’s minimum credit score is still high. Upstart is able to help you obtain fast funding if your credit score is between 600 and 666.

Upstart offers only three-year and five-year loans. While Upstart loans don’t have prepayment penalties and may provide more flexibility than other lenders, they are exempted from prepayment penalties.

Requests for personal loans received before 5:00 p.m. could be eligible to receive next-business-day funding ET.


Avant personal loans are quick-to-fund personal loans that anyone with credit can easily use. The insider also rated this lender as one of the best personal loans in 2021. 

Avant doesn’t have the lowest APRs, but Avant borrowers have credit scores ranging from 600 to 700. The company will approve loan requests received before 4:30 PM CT on weekdays. They may also be able to provide funding within one business day.

The lender may charge an administrative fee, which could amount to as high as 4.75%. For those who have good credit and need quick cash, this lender may be a good choice. This lender might not be the right choice for borrowers with better credit scores.

We also considered personal loans for the short term: Fast & Easy

Not all banks offer personal loans. Insider found seven personal loans approved by reputable lenders that were funded the same day.

Alliant Credit Union personal loans:

Alliant should have a minimum credit score of 600. This rate is the same as Lightstream. Alliant’s interest rates are higher than Lightstream’s. Read Insider’s full review of Alliant Credit Union.

OneMain personal loan: 

Only those with good credit can apply for this lender—high-interest rates. Avant and Upstart offer quicker funding and lower interest rates. Insider provides a detailed review of OneMain Financial.

Personal loan:

Best Egg may offer personal loans that can be accessed the next day or the day after. However, it is not always possible. Most borrowers will receive their funds within three days, according to the company. Insider offers a detailed review of Best Egg.

HSBC personal loans:

 Although this lender does not require a high credit score, the interest rates are much higher than LightStream. Customers who haven’t been customers in a while will pay higher interest rates than customers who have been customers for a time. 

Customers who are customers currently can’t get same-day loans. Customers who are not customers will receive the money in the next business day.


 Higher interest rates and origination fees of up to 6 percent could indicate that rates elsewhere may be more affordable.

BBVA personal loans:

Borrowers can only apply online for a Personal Loan if they meet minimum credit requirements. Only current customers can apply online for same-day funding and autopay discounts.

Wells Fargo personal loans: 

While this bank offers instant funding and a secured option at lower interest rates than other banks, it can prove challenging for non-customers to apply for Wells Fargo’s loan. Insider provides a detailed review of Wells Fargo.

Which lender has the highest reliability? Quick Personal Loans

The Better Business Bureau evaluates trustworthiness through customer complaints, honesty, and transparency about business practices. These are the scores of each company.

Two of our top picks are rated A or higher by the BBB. The BBB rates Btrustworthiness because of government actions against the company. However, a high BBB score does not guarantee a good relationship. Ask for recommendations from people who have used the company.

You have other options for quick cash loans, such as personal loans.

Borrowing is more efficient than borrowing. If you have cash reserves or an emergency fund, this is something worth considering. If you have an emergency, there are many options.

A credit union may offer payday loans

You can replace payday loans with payday alternatives loans. These loans are available from many credit cooperatives. These loans are available to all customers. These loans can only be obtained by members and are quickly repayable.

According to the National Credit Union Administration, payday loans can be obtained from $200 up to $1,000 and terms up to six months. Ask your credit union whether you are eligible and what interest rates are offered.

You may borrow money from family and friends

While loans from family and friends are not to take lightly, they can be a viable option for those who require cash quicker than banks can send.

A financial planner will recommend writing down the loan terms and repayment plans if you’re going to request this type of loan. You must also pay interest.

Credit Card with 0% Interest

You can spend as long as your interest card has an intro period. The 0% interest rate means that you must repay any balance within the time frame. Most cards allow you to borrow interest-free for up to 9-21 months.

Commonly asked questions

Please refer to our recommendations.

Personal Finance Insider was created to help smart people make informed financial decisions. We spent hours comparing various personal loans so that you don’t have to.

We understand that subjective opinions can be misleading, so we highlighted the pros & cons of personal loans from lenders.

How did they select the winners?

All personal loans in this roundup were approved within 24 hours. To find personal loans that offer quick cash, we looked at the interest rate and loan terms. 

To make it easier to recommend the best personal loan, we divided the winners into three credit scores categories. The winners were those who received the fastest funding and had the lowest APR.

Is it possible to get a personal loan for bad credit?

No. None of the lenders’ Insider examined required credit checks. OneMain Financial didn’t require a minimum credit score. A good credit score can help you get the best interest rates.

What is a personal loan?

Personal loans are available for many reasons. Lenders will usually indicate the purpose of loans. These loans can be used to pay for medical bills or home repairs in an emergency.

Large purchases can be eligible for personal loans. For large purchases, such as a motorbike buy or a wedding, personal loans are possible. Credit card debt consolidation Consolidates credit card debt into a single monthly payment. Check with your lender to make sure your plans work with their loans.

How can I save money if my cash is not received immediately?

In some cases, yes. Some lenders charge higher interest rates or fees to facilitate cash flow. A lender that charges lower interest rates could help you save interest. You can save interest by waiting a few days before you receive your money.

It is not always true. Anyone with good financial can apply for LightStream if they are in need of a personal loan.

This loan is attractive to those who don’t need immediate cash because of its low-interest rates. This holds even for people with excellent credit, such as Avant, who topped our top-rated personal loans list in 2021.


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Author: Alex Darwin

Alex is a former budget manager turned entrepreneur. He works mainly at home on his credit score advice website and writes a financial blog on the side. He hopes to expand his business into a full online lending company for bad credit as soon as he gets enough investors.