Fast Personal Loans | Credit score will determine the best loan option

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Fast Personal Loans

This option is available from some lenders, but not all personal loans are funded within 24 hours.

Personal loans are expensive. A different lender might offer a lower rate if you wait.

Your credit score will determine the best personal loan option. These scores range from 300 to 800.

  • Very poor: 300-579
  • Fair: 580-669
  • Good: 670-739
  • Excellent: 740-799
  • Exceptional: 800-850

A good credit score can help you obtain the best personal loan deal quicker. Get your credit score online free to see what interest rates and loans might be available.

These are Rixloans’s top picks for same-day funding or next-day funding:


APR range: AutoPay rates as of 10/01/2022. Rates may vary depending on the purpose and amount of the loan.

The loan amount ranges from: $5,000 to $100,000

Term length: 2-12 Years

Minimum credit score: 660

Personal loans with Lightstream interest rates are a great choice as they provide same-day funding at relatively low rates. Another plus is the ability to get funding quickly.

This lender may not be a good option for people with bad credit scores or no credit history. LightStream requires applicants have a minimum credit score of 660.

Quick cash is available for those who meet the eligibility requirements for a personal loan through LightStream. Same-day funding is available.


Variable APR: 5.5% to 35.99%

Loan amounts from: $1,000 to $50,000

Term length: 3 to 5 Years

The minimum score required: is 600

Upstart offers lower rates, faster service, and greater flexibility than Upstart. Upstart’s minimum credit score is 600. However, Upstart provides quick funding for those with credit scores between 600-666.

Upstart offers only 3-year and 5-year loans. The terms of Upstart loans are not subject to prepayment penalties. However, the terms may be more flexible than other lenders.

Next-day financing is possible if 5:00 p.m. ET approves personal loans


The APR ranges from: 9.95% up to 35.99%

The loan amount ranges from: $2,000 to $35,000

Term length: 2-5 Years

Minimum score: 600

Avant personal loans are quick-funded personal loans.

The lender charges an administrative fee of up to 4.75%. It may not be the best rate for borrowers with better credit scores.

We also considered fast personal loans.

Personal loans may not be available from every bank. We found seven personal loans from reputable lenders that can be funded within 24 hours.

  • Alliant Credit Union personal loans: Alliant requires a minimum credit score of 600. This rate is the same as Lightstream. Alliant has a higher interest rate than Lightstream. Read our full review of Alliant Credit Union.
  • OneMain Personal Loan: This lender can be used by people with good credit, but the interest rates can be high. Avant and Upstart also offer same-day funding and lower interest rates. Rixloans reviews OneMain Financial.
  • Best Egg Personal Loan: Best Egg can offer personal loans on the next day or the next business day. Rixloans has a detailed review of Best Egg.
  • HSBC personal loans: To be approved, you will need a good credit score. The interest rates for LightStream are higher than LightStream. Customers who aren’t been customers for a while cannot get same-day loans. Customers who are not customers will not be eligible for money the following day.
  • LendingPoint: High-interest rates and high origination fees could be a sign that rates are higher elsewhere.
  • BBVA personal loan: While the bank doesn’t require a minimum credit score for personal loans, borrowers invited to apply online for a personal loan can do so. Current customers only are eligible for same-day funding or autopay discount.
  • Wells Fargo Personal Loan: This bank offers instant funding and a secured alternative for lower interest rates on personal loans. However, you will need to be a customer to apply for a Wells Fargo Personal Loan.

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

It’s important to remember that borrowing money is more efficient than borrowing. If you need to borrow funds for an emergency, there are many options.

A credit union may offer payday loans instead of traditional loans

Alternative payday loans can be used in place of traditional payday loans. They can be used to replace traditional payday loans and are available from many credit unions.

According to the National Credit Union Administration, payday alternative loans range from $200 up to $1,000 and have terms of one to six months.

Your Family and friends can lend you money.

While loans from family and friends are not something to take lightly or make lightly, they can be a viable option for people who need cash quickly.

A financial planner suggests writing down the terms of your loan and arranging repayments, also paying interest if you’re going to request or make a loan.

Credit Card with 0% Interest

You can spend as long as you have an interest credit card. Most cards offer interest-free borrowing for between nine and 21 months.

Commonly asked questions

Follow our recommendations

Personal finance Rixloans is here for you to make informed decisions about your finances. We spent hours comparing all the details and features of various personal loans.

Because we know that everyone is different, we have highlighted the pros and cons of personal loans from lenders.

How did you choose the winners?

All personal loans included in this roundup were funded within the same day or the next business day. Our goal was to select the most competitive personal loans.

Is it possible to get a personal loan without having an excellent credit history?

No. Rixloans considered all lenders that required credit checks. Having your credit checked could help you get the best interest rates.

What is a personal loan for?

Personal loans are available for many purposes. These loans can be used for many reasons. Lenders will usually indicate the purpose of loans.

Personal loans can also be used to finance large purchases that aren’t covered by other loans. These could be motorbike purchases or a wedding. Personal loans are also available to help with large purchases that don’t fall under the purview of other loans.

Is it possible to save money by not getting my cash immediately?

Yes. In some cases. You can save time by waiting a few days before you get your money.

However, this is not always the case. LightStream is an excellent option for those with good credit who are looking for a personal loan. It is affordable, which makes it attractive for those who don’t need immediate cash. Avant was our top personal loan choice in 2022.

Author: Kimberly Chantal Parkes

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Kimberly Chantal Parkes is a former contributor to Rixloans. Kimberly Chantal is a freelance copy editor and writer with a specialization in personal financial planning. After having graduated from Kansas State University with a bachelor's degree in journalism, she began her career in media wearing many hats for community newspapers within the Kansas City area: writer as well as copy editor, photographer and coffee runner among other things.

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