| Lender | User ratings | Best for… | APR range | Loan amounts | Minimum credit score | Time to funding | |
|---|---|---|---|---|---|---|---|
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Fair credit emergency loans | 9.95% to 35.95% | $2,000 to $35,000 | 580 | Next business day | View Personalized Offers |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Secured emergency loans | 5.99% to 29.99% | $2,000 - $50,000 | 600 | One to three business days | View Personalized Offers |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Emergency loans with repayment assistance | 7.99% to 24.99% | $2,500 to $40,000 | 720 | Next business day | View Personalized Offers |
 | Home improvement emergency loans | 7.49% to 25.49% (with autopay) | $5,000 to $100,000 | Not disclosed | Same-day funding available | View Personalized Offers | |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Fast emergency loans | 8.99% to 25.81% (with discounts) | $5,000 to $100,000 | 680 | Same-day funding available | View Personalized Offers |
 | Joint emergency loans | 8.49% to 35.99% | $1,000 to $50,000 | 580 | Next business day | View Personalized Offers | |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Bad credit emergency loans | 6.40% to 35.99% | $1,000 to $50,000 | 300 | Next business day | View Personalized Offers |
| APR range | 9.95% to 35.95% |
| Time for approval decision | Minutes |
| Time to funding | Next business day |
| Minimum credit score | 580 |
| Loan amounts | $2,000 to $35,000 |
| Loan terms | 12 to 60 months |
| Pros | Cons |
|---|---|
Low minimum credit score required Can manage loan through highly rated mobile app Approval decisions within minutes | Origination fee (Up to 9.99%) Small loan amounts No joint loans Not available in all states |
Read our full Avant personal loan review.
| APR range | 5.99% to 29.99% |
| Time for approval decision | Minutes |
| Time to funding | One to three business days |
| Minimum credit score | 600 |
| Loan amounts | $2,000 - $50,000 |
| Loan terms | 36 to 84 months |
| Pros | Cons |
|---|---|
Secured loan may come with lower APR No appraisal needed, so won’t slow down funding timeline Competitive minimum APR | May need to wait up to three business days for funds Must be a homeowner (with equity) to qualify Will risk collateral if you don’t repay Origination fee of 0.99% - 8.99% |
While it can take up to three days to receive your funds, Best Egg claims that around half of their customers receive it the next business day.
Read our full Best Egg personal loan review.
Additionally, Best Egg loans are not available in Iowa, Vermont, West Virginia or U.S. territories. You must also be a U.S. citizen or permanent resident.
| APR range | 7.99% to 24.99% |
| Time for approval decision | Same day |
| Time to funding | Next business day |
| Minimum credit score | 720 |
| Loan amounts | $2,500 to $40,000 |
| Loan terms | 36 to 84 months |
| Pros | Cons |
|---|---|
Three repayment assistance options available Extended loan terms No origination fees | Slower approval decisions than some No joint loans $39 late payment fee High minimum loan amount |
Repayment assistance can provide peace of mind, but be sure to set up a plan with Discover. Otherwise, they may charge you a hefty $39 late payment fee.
Read our full Discover personal loan review.
| APR range | 7.49% to 25.49% with autopay |
| Time for approval decision | “Shortly, within business hours” |
| Time to funding | Same-day funding available |
| Minimum credit score | Not disclosed |
| Loan amounts | $5,000 to $100,000 |
| Loan terms | 24 to 144 months |
| Pros | Cons |
|---|---|
Extra-long loan term for home improvement loans No origination or late fees Same-day funding possible Large loans available | Requires good-to-excellent credit High minimum loan amount Cannot prequalify |
You will need to borrow at least $25,000 to unlock a 144-month term, however. You’ll also have to agree to a hard credit pull since it doesn’t offer prequalification.
Read our full LightStream personal loan review.
| APR range | 8.99% to 25.81% (with discounts) |
| Time for approval decision | 60 seconds |
| Time to funding | Same-day funding available |
| Minimum credit score | 680 |
| Loan amounts | $5,000 to $100,000 |
| Loan terms | 24 to 84 months |
| Pros | Cons |
|---|---|
Majority of applicants get same-day funding Comes with a free financial planning consultation Offers large loans | High minimum loan amount Must have good credit Optional origination fee required for lowest APRs |
SoFi loans have competitive APRs but to access the lowest rate, you’ll need to pay an optional origination fee — 0.00% - 6.00% (not required). SoFi also only makes sense if you need a large loan, since its minimum loan amount is $5,000.
Read our full SoFi personal loan review.
| APR range | 8.49% to 35.99% |
| Time for approval decision | Minutes |
| Time to funding | Next business day |
| Minimum credit score | 580 |
| Loan amounts | $1,000 to $50,000 |
| Loan terms | 24 to 84 months |
| Pros | Cons |
|---|---|
Joint loans available Accepts fair credit Flexible amounts and terms | High maximum APR No same-day funding 1.85% - 9.99% origination fee |
If you need same-day funds, Upgrade might not make sense. It offers fast-funding, but you will need to wait until the next business day. Also, your loan has the potential to carry a high origination fee.
Read our full Upgrade personal loan review.
| APR range | 6.40% to 35.99% |
| Time for approval decision | Five minutes |
| Time to funding | Next business day |
| Minimum credit score | 300 |
| Loan amounts | $1,000 to $50,000 |
| Loan terms | 36 and 60 months |
| Pros | Cons |
|---|---|
Accepts low or no credit Competitive minimum APR Wide range of loan amounts | No same-day funds 0.00% - 12.00% origination fee Limited terms to choose from |
You’ll have to sacrifice some benefits to take an Upstart loan, however. Namely, it only offers two loan terms: 36 and 60 months. Your loan might also come with an origination fee as high as 12.00%, the highest on this list.
Read our full Upstart personal loan review.
There are several ways that you can borrow money in an emergency: a personal loan, a paycheck advance app or no-credit-check loan. Personal loans typically offer the lowest APRs and the most amount of money. Still, there are other options if you don’t qualify for a personal loan.
You might also be able to borrow from a friend or family member. Just be sure to make your agreed upon payments to avoid a ruined relationship.
If you can’t find a lender to approve you for a loan, you may need to first improve your credit score. Improving your credit takes time, a luxury you might not have in an emergency. In that case, consider a paycheck advance app or no-credit-check loan. There’s no guarantee you’ll be approved for these, either, but they do have looser eligibility requirements.
That depends on the lender and your credit score. Apply to lenders that offer same or next-day funds. If you have a strong borrowing profile, your loan application might be easier to underwrite, possibly expediting your loan.
Also, follow the lender’s instructions carefully when uploading documents. Any mistakes in your application will prolong the process.
