| Lender | User ratings | Best for… | Funding timeline | APR range | Loan amounts | Minimum credit score |
|---|---|---|---|---|---|---|
 | User ratings coming soon | Borrower protections | Same day | Starting at 11.49% | $1,000 - $100,000 | Not specified |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Low-credit borrowers | Next day | 9.95% - 35.95% | $2,000 - $35,000 | 580 |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Excellent customer service | Next day | 7.99% - 24.99% | $2,500 - $40,000 | 720 |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Small loans | Next day | 7.99% - 35.99% | $2,000 - $36,500 | 660 |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Home improvement loans | Same day | 8.49% - 21.47% (with autopay) | $5,000 - $100,000 | Not specified |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Mid-sized purchases | Same day | 9.116% - 29.99% (with autopay) | $2,000 - $45,000 | 640 |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Complimentary financial planning | Same day | 8.99% - 25.81% (with discounts) | $5,000 - $100,000 | 680 |
 | Joint loans | Next day | 8.49% - 35.99% | $1,000 - $50,000 | 580 | |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Thin or no credit | Next day | 6.40% - 35.99% | $1,000 - $50,000 | 300 |
| Funding timeline | Same day |
| APR range | Starting at 11.49% |
| Loan terms | 12 to 60 months |
| Loan amounts | $1,000 - $100,000 |
| Origination fee | None |
| Minimum credit score | Not specified |
| Pros | Cons |
|---|---|
Could cancel remaining loan balance in case of death, disability or unemployment with Debt Protection plan Loan Assistance program offers reduced interest rates and monthly payments during times of financial hardship Competitive APRs | Must pay a monthly fee for Debt Protection plans Unclear eligibility requirements Must be a member for at least 90 days before getting a loan |
However, you must join Alliance Credit Union to take out a personal loan. To join, you must be affiliated with a partner employer or organization. Membership is also open to those related to current members or those who live in certain Chicago communities.
If you don’t meet these requirements, you will have to join the Foster Care to Success (FC2S) program. Fortunately, Alliant will pay your $5 FC2S membership fee.
| Funding timeline | Next day |
| APR range | 9.95% - 35.95% |
| Loan terms | 12 to 60 months |
| Loan amounts | $2,000 - $35,000 |
| Origination fee | Up to 9.99% |
| Minimum credit score | 580 |
| Pros | Cons |
|---|---|
Low minimum credit score requirement Origination fee lower than some competitors Short minimum loan term | Charges an origination fee No cosigner options Not available in all states |
Note that Avant charges an origination fee that’s on the higher end (this fee typically runs up to 6% or more).
Read our full Avant personal loan review.
Avant personal loans are not available in the following states:
| Funding timeline | Next day |
| APR range | 7.99% - 24.99% |
| Loan terms | 36 to 84 months |
| Loan amounts | $2,500 - $40,000 |
| Origination fee | None |
| Minimum credit score | 720 |
| Pros | Cons |
|---|---|
97% customer satisfaction rating from LendingTree users Multiple repayment assistance options in case of financial hardship No origination fees | $39 late payment fee No cosigners Need at least good credit to qualify |
If you know your payment will be late, however, it’s important you contact Discover as soon as possible. Otherwise, it may charge you a $39 late fee. Additionally, Discover’s minimum credit score requirement is steep. You must have good-to-excellent credit to qualify.
Read our full Discover personal loan review.
| Funding timeline | Next day |
| APR range | 7.99% - 35.99% |
| Loan terms | 24 to 72 months |
| Loan amounts | $2,000 - $36,500 |
| Origination fee | 0.00% - 10.00% |
| Minimum credit score | 660 |
| Pros | Cons |
|---|---|
Clear eligibility criteria Considers more than just your credit score Loan terms longer than some | No cosigners Potential for high origination fee High maximum APR |
However, you might have to pay an origination fee (0.00% - 10.00%). This lender also doesn’t offer the option to apply for a personal loan with a cosigner.
Read our full LendingPoint personal loan review.
| Funding timeline | Same day |
| APR range | 8.49% - 21.47% (with autopay) |
| Loan terms | 24 to 144 months |
| Loan amounts | $5,000 - $100,000 |
| Origination fee | None |
| Minimum credit score | Not specified |
| Pros | Cons |
|---|---|
No fees Extra long loan terms Large loan amounts | Cannot prequalify High minimum loan amount Only approves good-to-excellent credit |
Unfortunately, you’ll have to submit to a hard credit pull to check your eligibility. LightStream does not have a prequalification process. The lender doesn’t disclose its exact credit requirements, but it only approves borrowers with good-to-excellent credit.
Read our full LightStream personal loan review.
| Funding timeline | Same day |
| APR range | 9.116% - 29.99% (with autopay) |
| Loan terms | 36 or 60 months |
| Loan amounts | $2,000 - $45,000 |
| Origination fee | Up to 9.00% |
| Minimum credit score | 640 |
| Pros | Cons |
|---|---|
Competitive APRs Offers autopay discount Verifies income, employment and bank account information electronically during application process | Limited loan terms $15 per occurrence late payment fee Charges an origination fee |
However, you’ll only have two repayment terms to choose from (36 or 60 months). You may also have to shell out an origination fee.
Read our full Rocket Loans personal loan review.
| Funding timeline | Same day |
| APR range | 8.99% - 25.81% (with discounts) |
| Loan terms | 24 to 84 months |
| Loan amounts | $5,000 - $100,000 |
| Origination fee | 0.00% - 6.00% (not required) |
| Minimum credit score | 680 |
| Pros | Cons |
|---|---|
Complimentary financial planning available No late payment fees Competitive APRs with multiple discount opportunities | Origination fee required for lowest APRs High minimum loan amount Need good credit to qualify |
SoFi doesn’t have any required fees, but you can pay an optional origination fee for a lower APR. At 680, its minimum credit score requirement is also higher than some.
Read our full SoFi personal loan review.
| Funding timeline | Next day |
| APR range | 8.49% - 35.99% |
| Loan terms | 24 to 84 months |
| Loan amounts | $1,000 - $50,000 |
| Origination fee | 1.85% - 9.99% |
| Minimum credit score | 580 |
| Pros | Cons |
|---|---|
Allows joint applications Accepts fair credit Secured loans available | Mandatory origination fee High maximum APR $10 late payment fee |
You should know that Upgrade’s loans come with an origination fee between 1.85% - 9.99%. And if you do qualify with fair credit, your APR could be as high as 35.99%.
Read our full Upgrade personal loan review.
| Funding timeline | Next day |
| APR range | 6.40% - 35.99% |
| Loan terms | 36 and 60 months |
| Loan amounts | $1,000 - $50,000 |
| Origination fee | 0.00% - 12.00% |
| Minimum credit score | 300 |
| Pros | Cons |
|---|---|
One of the lowest minimum credit requirements around Flexible loan amounts Ultra-competitive minimum APR | Higher-than-average maximum origination fee Only two term lengths No co-applicants |
Upstart personal loans come with limited loan terms to choose from: 36 and 60 months. You might also be responsible for a whopping 0.00% - 12.00% origination fee.
Read our full Upstart personal loan review.
A quick loan is simply a personal loan with a fast funding timeline. While the definition of a fast funding timeline can vary, we consider this to be same-day or next-day funding.
When a lender approves you for a personal loan, it will send your funds as a lump sum (minus an origination fee, if applicable). Then, you’ll pay back your loan in monthly installments, plus interest.
There are plenty of reasons you might need a quick loan. You can use your funds for almost anything, but borrowers often take out a quick loan to pay for emergencies. These could include:
Technically, no loans are instant. No matter what, you have to fill out an application. And even if you go with a no-credit-check lender, it will still need to review your basic financial information.
That said, many lenders can provide loans the same day you apply. These include Alliant, LightStream, Rocket Loans and SoFi. You could also opt for a paycheck advance app — these generally have a fast funding timeline.
The easiest loans to get (payday loans, pawn shop loans and car title loans) are typically the most expensive. These also include no-credit-check installment loans. Before resorting to these options, you may want to check out Upstart, Avant or Upgrade. These lenders work with borrowers with fair-to-poor credit.
They can be, but it depends on the type of loan you get and where you get it from. Above all else, avoid predatory lenders. Also, read LendingTree personal loan reviews to get a feel for the customer experience. Finally, be sure that the lender’s site is encrypted — check for the lock symbol on the left-hand side of your navigation bar.
