Kimberly Chantal Parkes
Written by Kimberly Chantal Parkes

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.

Fast Personal Loans

This option is available from some personal loan lenders, but not all lenders fund personal loans within 24 hours. Some personal loan companies offer same-day or next-day funding.

Personal loan rates can be expensive. A different lender might offer a lower rate if you wait. To find low-interest personal loans, compare various credit personal offers.

Your credit score will determine the best personal loan option. These scores range from 300 to 800. Minimum credit score requirements vary among lenders:

  • 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 amounts and deals more quickly. Get your credit score online for free to see what interest rates and loans might be available.

These are Rixloans’s top picks for personal loan lenders offering same-day or next-day funding:


Online lender, Lightstream, offers competitive personal loan rates with APR ranges depending on AutoPay rates as of 10/01/2022. Rates may vary depending on the purpose and amount of the loan.

The personal loan amounts range from $5,000 to $100,000

Term length: 2-12 Years

Minimum credit score requirements: 660

Complete the personal loan application on Lightstream’s website to get started.

With its variety of personal loan products, LightStream caters to a wide range of needs. 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 to have a minimum credit score 660 and considers their credit profile during the loan approval process.

Quick cash is available for those who meet the eligibility requirements for a personal loan through LightStream. Funding times are expedited to provide help with emergency expenses. Personal loan funds are usually disbursed on the same day as the application approval.


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 Lightstream. Upstart’s minimum credit score is 600. However, Upstart provides quick funding for those with credit scores between 600-666. They offer various loan terms affecting the monthly payment and overall repayment terms.

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

Next-day funding for borrowers is possible if 5:00 p.m. ET approves personal emergency loans and online 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 emergency loans are quick loans with quick approval times.

The lender charges an administrative fee of up to 4.75%. There may be better rates for borrowers with better credit scores.

We Also Considered Fast Personal Loans

Personal loans may only be available from some banks. We have discovered seven trustworthy lenders who finance personal loans within 24 hours. The loan process and Loan eligibility vary by lender, and it’s important to evaluate their financial decisions when choosing the best Personal installment loans for your needs.

  • Alliant Credit Union personal loans: Alliant requires a minimum credit score of 600. For personal loan applicants with a poor credit score or an unexpected expense, this rate is the same as Lightstream. Alliant has a higher interest rate than Lightstream but aims to offer lowest rates for different types of loans. Read our full review of Alliant Credit Union.
  • OneMain Personal Loan: This lender is for people with good credit, but the interest rates can be high. Avant and Upstart also offer same-day funding and lower interest rates for those with medical expenses or other unexpected expenses. Rixloans reviews OneMain Financial and its online application process, ensuring a quick credit approval.
  • Best Egg Personal Loan: Best Egg can offer personal loans on the next day or business day for personal loan applicants facing unexpected expense such as medical expenses. Rixloans has a detailed review of Best Egg.
  • HSBC personal loans: You will need a good credit score to be approved. The interest rates for LightStream are higher than LightStream. Customers who haven’t been customers for a while cannot get same-day loans for urgent situations like unexpected expense. Customers who are not customers will not be eligible for money the following day.
  • LendingPoint: High-interest rates and high origination fees could indicate higher rates elsewhere, so it might not be the best choice for applicants comparing types of loans and searching for lowest rates.
  • BBVA personal loan: While the bank doesn’t require a minimum credit score, borrowers invited to apply online for a personal loan can do so. The online application is straightforward and focuses on credit approval. 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 must be a customer to apply for a Wells Fargo Personal Loan. The online application process makes it convenient for personal loan applicants dealing with unexpected expense.

When unexpected financial needs arise, fast personal loans can be a lifeline. At RixLoans, we’re dedicated to providing swift and reliable financial solutions. Below, you’ll find a comprehensive list of American states where our company actively offers fast personal loans. Whether it’s for a medical emergency, home repair, or any urgent expense, refer to the table to discover if our services are available in your state, and get the financial support you need, when you need it.

ConnecticutDelawareDistrict Of Columbia
NebraskaNevadaNew Hampshire
New JerseyNew MexicoNew York
North CarolinaNorth DakotaOhio
Rhode IslandSouth CarolinaSouth Dakota
West VirginiaWisconsinWyoming
American States Where RixLoans Provides Fast Personal Loans
States with the highest personal loan balance chart

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, including a type of loan like personal loans. These often come with a loan agreement that considers your financial history.

A Credit Union May Offer Payday Loans Instead of Traditional Loans

Alternative payday loans can be used instead of traditional payday loans. You can use them to replace traditional payday loans, which are available from many credit unions. Loan funding from a credit union may also provide flexible repayment options, which makes them a preferable financing option.

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 alternative option for people who need cash quickly. These loan purposes can range from a loan for emergencies to other short-term needs. Flexible loan options provided by family and friends can offer better terms than traditional loans.

A financial planner suggests writing down the terms of your loan and arranging repayments, 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.

Frequently Asked Questions

How Did You Choose the Winners?

All personal loans included in this roundup provide funds within the same day or the next business day after day after approval. Our goal was to select the most competitive personal loans which offer Same-day approval and access to cash.

Is It Possible to Get a Personal Loan Without Having an Excellent Credit History?

Yes, getting a personal loan is possible without an excellent credit history. Many lenders offer personal loans for individuals with a less-than-perfect credit score, making it an accessible option for many borrowers.

No. Rixloans considered all lenders that required credit checks. Having your credit checked could help you get the best interest rates. The borrowing experience and borrowing costs can be better for applicants with credit scores.

What Is a Personal Loan For?

Personal loans are available for many purposes. You can use them for many reasons. Lenders will usually indicate the purpose of loans and the time of approval.

You can use personal loans to finance large purchases not 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, improving the overall borrowing experience.

Is It Possible to Save Money by Not Getting My Cash Immediately?

Yes. In some cases. You can save time and reduce borrowing costs 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 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, offering a smooth borrowing experience and competitive time of approval.

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 alternative options, such as low-interest loans and flexible loan amounts with favorable loan terms. Our simple application process makes it an affordable option for those with a less-than-perfect credit score.

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

Kimberly Chantal Parkes

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.