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5 Best Personal Lines of Credit with Instant Approval

Compare a variety of lenders that offer personal lines of credit with instant approval and fast funding.

A personal line of credit can provide more flexible funding than other lending options, and it’s a renewable source that you can draw on as needed without having to reapply. Many lenders offer instant approval and fast funding, although you may need good credit to qualify. Compare these lenders that offer instant approval — or as near as we could find! — on personal lines of credit with a variety of credit limits and options for borrowers with a range of credit scores.

Best personal line of credit providers

Best overall

U.S. Bank unsecured lines of credit

2.8
★★★★★

Finder score

Min. credit score680
APR12.50% to 22.50%
Loan amountUp to $25,000
  • Available in all states

Best marketplace

LendingTree lines of credit

4.6
★★★★★

Finder score

Min. credit scoreGood to excellent credit
APRStarting at 8%
Loan amount$500 to $50,000
  • Available in all states

Best for a small line of credit

Huntington Bank Standby Cash

Min. credit scoreNot stated
APR12% on outstanding balance
Loan amount$100 to $500
  • Only available in: Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, Wisconsin

Best for poor credit

Elastic line of credit

3.2
★★★★★

Finder score

Read review
Loan amount$500 - $4,500
Turnaround time1+ business day
Online applicationYes
  • Not available in: Colorado, Connecticut, Georgia, Hawaii, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia

Best for a larger credit line

Truist personal lines of credit

Min. credit scoreNot stated
APR13.19% to 17.49%
Loan amount$5,000 to $50,000
  • Available in: Alabama, Arkansas, California, District of Columbia, Florida, Georgia, Indiana, Kentucky, Maryland, Mississippi, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia

Methodology: How we picked the best providers

Finder loan experts compare dozens of lenders before narrowing down the best personal lines of credit in the current market, and we regularly review our selections. Factors we consider include fees, credit line amounts, interest rates, reputation and customer reviews.

Factors weighed in our methodology for the best instant approval lines of credit include:

  • Turnaround times
  • Range of interest rates
  • Additional fees charged
  • Credit score requirements
  • Range of borrowing limits
  • Flexible repayment options
  • Better Business Bureau ratings and reviews
  • Trustpilot ratings and reviews
  • Number of states served

Finder also maintains strict editorial integrity and independence. Our content and suggestions are fair, accurate and trustworthy, and our advertisers or partners don’t influence our opinions. To learn more, check out our editorial guidelines.

Compare more personal loan providers

Name Product USFPL Filter Values APR Min. credit score Loan amount
Best Egg personal loans
Finder Score: 3.8 / 5: ★★★★★
Best Egg personal loans
7.99% to 35.99%
640
$2,000 to $50,000
Fast and easy personal loan application process. See options first without affecting your credit score.
Upstart personal loans
Finder Score: 4.2 / 5: ★★★★★
Upstart personal loans
7.80% to 35.99%
300
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
SoFi personal loans
Finder Score: 4.4 / 5: ★★★★★
SoFi personal loans
8.99% to 29.99% fixed APR
680
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no required fees.
Upgrade
Finder Score: 4 / 5: ★★★★★
Upgrade
9.99% to 35.99%
620
$1,000 to $50,000
Check your rates with this online lender without impacting your credit score.
LendingPoint personal loans
Finder Score: 3.3 / 5: ★★★★★
LendingPoint personal loans
7.99% to 35.99%
Not stated
$2,000 to $36,500
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
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How to prequalify for a personal line of credit

Prequalifying for a line of credit is typically straightforward, and the process should be similar with most lenders — as long as they offer prequalification.

  1. Fill out the initial application.
  2. Undergo a soft credit check.
  3. Wait to hear if you prequalify (usually within minutes).
  4. Review your loan offer.
  5. Formally apply with a hard credit check.

Alternatives to personal lines of credit

If you want to explore all your options, consider these alternatives to a personal line of credit.

  • Credit cards. While credit cards typically have higher rates than personal lines of credit, they may be easier to qualify for. Even better if you can get a card with a 0% introductory rate that offers free financing for up to 18 months or more.
  • Home equity lines of credit (HELOCs). A home equity line of credit usually comes with a lower rate than an unsecured personal line of credit. But, you’ll need to be a homeowner, and it puts your house at risk.
  • Personal loans. A larger pool of lenders offer personal loans than lines of credit, and many have more lenient requirements to qualify.
Megan B. Shepherd's headshot
To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
Lacey Stark's headshot
Written by

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

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