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Find out how to borrow money fast

3 options for getting money as soon as the same business day.


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Editor's choice: OppLoans Installment Loans

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  • Easy online application
  • Quick approval
  • Long repayment terms
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Have an emergency and not sure how you’ll cover the cost? You have a few options when you need to borrow money fast — from credit card cash advances to loans from an online lender or local financial institution.

Credit card cash advances

A credit card cash advance is a cash loan you take out through your credit card. You can get an advance the same day by visiting a bank, withdrawing from an ATM or having it deposited in your checking account. The amount you can borrow is usually a percentage of your credit limit. You pay it back plus interest and a cash advance fee, which is either a fixed fee or percentage of the amount you borrow.

This could be a good option if you need help covering expenses during the coronavirus outbreak. The minimum monthly payments give you more flexibility on when you pay it back. And it typically has lower rates than short-term loans. But you need to already have a credit card with a high enough credit limit.

Short-term loans

An online short-term loan, also known as a payday loan, is a lending option that gives you access to money quickly and typically comes with a brief repayment period. Online short-term loans have more lenient requirements than a traditional loan, but they tend to come with much higher interest rates.

One way to minimize how much a short-term loan will cost is to only borrow the amount of money you need to cover your expenses and to choose the shortest repayment period you can afford. Borrowing a smaller amount of money and paying it back quickly can help you avoid overspending and needing to take out another loan after paying off the first.

Find a short-term loan

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
CreditLend connection service
Varies by lender
Regular source of income, checking account, not currently involved in bankruptcy or bankruptcy relief
Find a line of credit — even if you don't have a perfect score.
Check Into Cash Payday Loan
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Fast5kLoans Short-term Loans Connection Service
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.

Compare up to 4 providers

Personal loans

A personal loan is a form of credit offered by many lenders and financial institutions. They generally come with lower interest rates and higher maximum amounts than a credit card cash advance or short-term loan.

Many online lenders can get you money as soon as the next business day after approval.

The eligibility criteria for personal loans is usually a bit more strict, requiring good to excellent credit and a regular income. However, there are options available for borrowers with bad credit as well.

Where to get bad-credit personal loans

Options for borrowing online

You can turn to an online lender for a variety of different loan products, including:

  • Online short-term loans. Some lenders offer same day or even instant approval online. Your repayment terms will vary depending on the lender and your state, but it could be as short as one week.
  • Online auto title loans. If you own a car, you can use its title to get an online loan. You maintain full use of the car while paying the loan off. However, you risk having your car repossessed if you default.
  • Online personal loans. You can apply online for a personal loan through many lenders. Be sure to check the eligibility criteria to make sure you qualify before filling out the application.

How can I compare online loans?

When trying to find the right loan, the following features can help narrow down your search:

  • Interest rates and fees. This is one of the primary features you should look for when comparing online loans, especially if they are short-term loans. States have different caps for APR rates and fees so ensure the lender is operating within those restrictions.
  • Application and turnaround time. How long does it take to apply and how quickly will you receive your loan? If you need funds deposited in your account by the next day, a lender that takes three won’t be the best for you.
  • Eligibility. Lenders have different eligibility criteria, and some being more flexible than others. Check to see if you meet the eligibility criteria before applying.

What are the benefits and drawbacks of borrowing money online?


  • Compare a range of options. Many lenders operate online. And online comparisons can be much easier than driving to separate lender locations and getting cost estimates in person, or trying to get a customer service representative over the phone.
  • Easy applications. Once you find the loan you want to apply for, you can complete and submit your application in a few minutes — no faxing or mailing required.
  • Receive the loan directly into your account. When you apply for a loan online, the money is sent directly to your checking account. Some lenders also give you the option of picking up your loan in-store or having the money deposited onto a prepaid debit card.


  • High fees. Expect to see high interest rates when it comes to short-term loans — which typically end up costing you double or triple the amount you borrow. While rates may be better with personal loan providers, you may face an origination fee of 1% to 3% of your loan amount.
  • Disreputable lenders. There are predatory lenders who work to capture you in a spiral of debt. Be careful who you borrow from and always check that they are operating legally.
  • Short repayment terms. If you decide a payday loan is the best option for you, make sure you have the ability to repay it on the due date. A late or missed payment can end up costing you quite a lot in the form of extra charges.

What you need to borrow money online

When you find a lender to apply with, click “Go to Site” to submit your online application. You’ll need some of the following details on hand:

  • Personal. Your name, date of birth, Social Security number and other contact information.
  • Financial. Your income, employment details or government benefits.
  • Banking. Details of your checking account and your bank’s routing number may be required.

Alternatives to borrowing from a lender

If you’re worried you won’t qualify for a loan or just want to find a way to get cash without it affecting your credit, there are alternatives.

Look into picking up side work, borrowing money from a friend or simply requesting more time to repay your debts. These will help you avoid costly interest rates and the potential spiral of debt some people get into with short-term loans.

Alternative What you can do
Ask for more time If you have a bill and you know you’re not going to be able to pay on time, give the company a call and ask for an extension. You’ll be surprised that many companies will work with you to come up with a repayment time frame that works for both parties.

If you can’t pay the bill at all, you may have less negotiating power. You can try asking to speak with a repayment representative and see if they can waive the late fees, give you more time or even work out a more flexible repayment schedule.

Ask your family or a friend Ask your family or a good friend to lend you some money. They may be willing to offer you a cash loan with no interest. But make sure you agree to repayment terms. Nothing can kill a great relationship like never repaying borrowed money.
Ask your employer Some employers may give you an advance on your wages, and some big companies have employee loan assistance programs. If you open up a discussion with your manager around this, you might even be able to discuss ways in which you can earn some more money with the company.

Have you been doing such a good job you could get a bonus? Take a moment and think about any ways you could quickly earn some more money with your employer because they already trust you and they can pay you quickly.

Sell something What could you sell today that will give you some money? Some examples are: baseball cards, stamps, rare coins, an old cell phone or an old stereo.

Look around your house and try to find something you don’t use but has value. You could quickly put it on Craigslist or a local reselling app and get some quick cash.

Do some side gigs Check the “gigs” category on Craigslist for some quick cash jobs. This could include: writing, manual labor, event coordination, creative or design work, database work, pet sitting or even housesitting.

Tips: If you want quick cash, avoid listings that say “great experience” or “ideal for exposure”, these jobs are typically unpaid and just for people trying to get their foot in the door in a specific industry. Also try find a few similar gigs and compare compensation so that you can get the most money for your time.

Even more alternatives to borrowing a payday loan

What determines how much my loan costs?

Your interest rate and loan term determines how much you pay for your loan in the short and long run. Lenders typically determine your interest rate based on your credit score and income compared to your debt — the better your credit score, the lower your interest rate, though it varies by the type of loan you take out. A longer loan term makes for smaller monthly repayments, though you’ll end up paying more in the long run.

Payday loans are regulated at a state level, so the cost will also depend on where you’re borrowing from. States that regulate short-term loans have restrictions on interest, fees, terms and the amount you can borrow.

Find out the regulations for your state

Payday loans are banned in my state. Can I still apply online?

While every state regulates payday loans to a different degree, some states have banned lenders issuing them altogether. If the state you reside has banned payday loans, then you can’t apply for them online.

You can, however, apply for a loan if it falls outside of the definition of a payday loan, such as an installment loan or auto title loan. Installment loans are similar to payday loans except you pay the loan off over a longer period, while auto title loans are secured against your car.

Compare installment loans vs. auto title loans

Are payday loans available in my state?

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84 Responses

  1. Default Gravatar
    KanchanDecember 14, 2018

    Can i get loan 5 lac urgent but i have no income details

    • Avatarfinder Customer Care
      nikkiangcoDecember 18, 2018Staff

      Hi Kanchan,

      Thanks for reaching out! I understand you want to get a loan. To get started, check the lenders on our list above. Review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about their policy.


  2. Default Gravatar
    anilDecember 10, 2018

    I need 5 lakh urgent

    • Avatarfinder Customer Care
      nikkiangcoDecember 13, 2018Staff

      Hi Anil,

      Thanks for getting in touch! To get funds urgently online, go to the part of our page above that says “Compare your short term loan options” and choose the lender you want to go with. Click the “Go to Site” to submit your online application and you’ll need some of the following details on hand:

      Personal. Your name, date of birth, Social Security number, and other contact information.
      Financial. Your income, employment details or government benefits.
      Banking. Details of your checking account and your bank’s routing number may be required.

      As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


  3. Default Gravatar
    IzaOctober 16, 2018

    Can i borrow 90,000 for personal loan ?

    • Avatarfinder Customer Care
      nikkiangcoOctober 17, 2018Staff

      Hi Iza,

      Thanks for your inquiry and for visiting our page.

      You are welcome to apply for a loan.

      As it says on our page: Eligibility criteria differ between lenders and states, so you’ll need to check this before applying. Generally, you’ll need to be over a certain age (this can range from 18-21), be a US citizen or permanent resident and show that you”re able to repay the loan. If you’re applying online, you’ll need to have an operational checking account as well.

      Hope this helps! Feel free to reach out to us again if you need further assistance.


  4. Default Gravatar
    louisSeptember 25, 2018

    Can I be loan some money even though i have no bank accounts?

    • Avatarfinder Customer Care
      CharisseSeptember 25, 2018Staff

      Hi Louis,

      Thanks for reaching out to finder.

      Yes, there are lenders who will consider you for a loan even if you do not have a checking or savings account however most of these lenders will have higher interest rates and will charge expensive fees.

      You can go to this page to compare lenders which offer no bank account loans. Please note that some lenders listed on this page may require you to have a collateral so before applying, please check the eligibility criteria and the loan terms to see if it best suits your needs.

      Hope this helps.


  5. Default Gravatar
    AyandaSeptember 21, 2018

    am Ayanda I.will like to get a loan of 10.000,when can I get it u will pay within 2 months am a businessman

    • Default Gravatar
      joelmarceloSeptember 21, 2018

      Hi Ayanda,

      Thanks for leaving a question on finder.

      I noticed you are sending us a message from China. Unfortunately, the lenders featured on our website only caters to residents from the US, Australia, UK, Canada and New Zealand. You will have to check with your local lenders if you are not from those 5 countries I mentioned. Sorry about that.

      Please send me a message if you need anything else. :)


  6. Default Gravatar
    AimeeSeptember 21, 2018


    • Default Gravatar
      joelmarceloSeptember 21, 2018

      Hi Aimee,

      Thanks for leaving a question on finder.

      Yes. But it will likely cost you more than the average personal loan. That’s because many of your options fall into the category of short-term loans. These loans come by many names: payday, auto title, pawn, debit card and signature loans. What makes them expensive are fees and APRs that can top out at 700% or more.

      A checking account, however, opens the doors to stronger lenders and could help you potentially qualify for competitive rates, if you have good credit.

      Please click HERE to compare no-bank-account loans.

      Please send me a message if you need anything else. :)


  7. Default Gravatar
    NaiduSeptember 7, 2018

    I am Indian. I want 10000inr. But I have no securities and job and bank account. Help me.

    • Avatarfinder Customer Care
      johnbasanesSeptember 7, 2018Staff

      Hi Naidu,

      Thank you for leaving a question.

      I understand that you are needing money right now. There are options available in India when it comes to borrowing money. You may want to approach local lenders and banks in your area and check your eligibility in taking out a loan. I hope this helps!


  8. Default Gravatar
    MwanjaAugust 23, 2018

    I need a loan to process some documents for my transport company. Will I be approved for $1000 USD at an interest not beyond 5%?

    • Avatarfinder Customer Care
      JhezAugust 24, 2018Staff

      Hello Mwanja,

      Thank you for your comment.

      You can actually compare your options above if you want to apply for a loan within your preferred interest rate. You just need to enter your state of residence and click the Show me my Options button. By the way, depending on your preferred type of loan, as long as you have a stable income and can do repayments, you may apply for short-term loans and payday loans.

      I can’t tell if you’re going to be approved because it’s the lender who will decide. Each lender has their own eligibility criteria so it’s best to get in touch with the lender before submitting an application.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  9. Default Gravatar
    NandAugust 22, 2018

    Plz I need urgently loan thanks

    • Avatarfinder Customer Care
      johnbasanesAugust 22, 2018Staff

      Hi Nand,

      Thank you for leaving a question.

      On getting a loan, you would need to approach a lender or a bank available in India to assist you in taking out a loan. Depending on their eligibility requirements and documents needed as well as your financial capability to payback the loan, the lender or bank will work with you in evaluating your application. Hope this helps!


  10. Default Gravatar
    SeethaJune 26, 2018

    Hi sir please help me please I request I begging u sir my mom health problem sir please help me

    • Default Gravatar
      joelmarceloJune 27, 2018

      Hi Seetha,

      Thanks for leaving a question on finder.

      The lenders featured in this page caters to customers in the US. Assuming you are, you need to choose your state of residence from the dropdown above to display lenders who can help you. Before applying for any loan, please ensure that you meet the eligibility criteria and requirements of the loan option or lender and make sure to read the details, as well as the relevant PDS/ T&Cs of the loan option before making a decision and consider whether the product or option is right for you.


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