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12 places to borrow money fast

Compare quick financing options for good, fair and bad credit.

Need money fast? There are lenders that offer same-day or even instant cash advance, and lenders that work with good and bad credit circumstances. Fast funding has traditional requirements, such as being at least 18+ years old and having a regular income. You’ll likely pay more for the convenience of getting a loan immediately, since fast loans are often more expensive than loans with a longer turnaround time.

6 fast loans for bad credit

If you have poor credit and need cash quickly, then a payday loan may be an option for you. While many payday lenders don’t have strict credit score requirements — and many don’t even check your credit — these loans can get pricey. You can read more about a specific lender by selecting Read Review or Go to site.

ProviderTurnaround timeMin credit scoreRates
Opploans1 business dayNone160% - 179% APR APR, varies by lender
Go to site
Ace Cash ExpressAs soon as same business dayNoneVaries by state
Go to site
LendYouAs soon as same business dayVariesVaries by lender
Go to site
OneMain FinancialAs soon as the same dayVaries18% to 35.99%
Go to site
Check Into Cash1 to 2 business daysNoneVaries
Read review
Speedy Cash1 business dayVariesVaries
Read review

6 fast loans for good and fair credit

These lenders can be a good option if you have a credit score of 580 or higher, and you want to avoid the high rates of payday lenders or pay advance apps. Plus, you could get your loan funded within one business day if you apply online.

ProviderTurnaround timeMin credit scoreRates
Upstart1 to 3 business days3007.80% to 35.99%
Go to site
Upgrade1 to 4 business days6208.49% to 35.99%
Go to site
LightstreamAs soon as the same day6607.49% to 25.49%
Go to site
RocketloansAs soon as the same day6409.116% to 29.99%
Go to site
AvantAs soon as the next business day5809.95% to 35.99%
Go to site
CredibleAs soon as 1 business dayFair to excellent credit4.60% to 35.99%
Go to site

How to apply for a fast-money loan

Follow these steps to help you borrow money as fast as possible.

  1. Check your bank or credit union. Look on the website to see if it offers fast personal loans that you can qualify for. If available, this could be your fastest and least-expensive option.
  2. Check your credit score. Get an estimate of your credit rating before you compare lenders so you don’t waste time with providers you can’t qualify with.
  3. Compare all options available to you. Look into all options available to people with your credit score, income and state of residence. One easy way to do this is to use a connection service like Monevo to prequalify with multiple lenders.
  4. Get your documents ready. Have PDFs ready for applying like your last three bank statements and a copy of your most recent pay stubs, proof of residence, valid ID, etc. Having these items ready can speed up the process.
  5. Apply. If you’re applying online, you typically need to fill out a form with information about your income, debts and personal finances.
  6. Review and sign the contract. Make sure you understand the cost, terms when your payments are due. Also look out for any information about late or prepayment penalties.

8 types of fast loans

Depending on your credit score and income, you may have less emergency fast-funding loan options. Banks and credit unions typically require a good credit score, but even if you’re lacking in that department, there are multiple routes to explore if you needed cash yesterday.
1. Credit card cash advance

  • Turnaround: Instant
  • Amount: Up your to borrowing limit

If you already have a credit card, you can withdraw a cash advance from any ATM. But this can be one of the most expensive options out there — even more expensive than payday loans for smaller amounts.
2. Pawn shops

  • Turnaround: Instant
  • Amount: 40% to 60% of the item’s value

If you have valuables like jewelry or electronics, you can often pawn them for around 40% to 60% of their value. You’ll get your money instantly — and your item back after you repay the money plus interest, at rates sometimes as high as 200%. However, you have a limited time to retrieve your item, usually up to 30 days.
3. Personal loan with your bank

  • Turnaround: Same day to one business day
  • Amount: Typically up to $50,000

Some banks offer fast, low-cost personal loans to current customers in good standing. If approved, you won’t have to wait for an ACH transfer — and you’ll usually get your funds that day.
4. Personal loan with your credit union

  • Turnaround: Same day to one business day
  • Amount: Typically up to $50,000

Credit unions work similarly to banks, and often offer lower rates to people with fair credit. They also often have options for borrowers who need smaller loan amounts. But for a fast loan, you may need to already be a member in good standing.
5. Payday lenders

  • Turnaround: Same-day funding
  • Amount: Around $100 to $500

Payday lenders often offer between $100 and $500 in same-day loans if you apply at a location, or the next business day if you apply online. A few lenders will pay a percentage of your paycheck. But these often come with rates as high as 700% APR and risk getting caught in a cycle of debt. Consider other options first.
6. Pay advance apps

  • Turnaround: Same-day funding to three business days
  • Amount: Around $50 to $600

You can check out apps like EarnIn if you’re an hourly worker and try to get an advance on wages you’ve already earned this pay cycle. Instead of interest, you’ll pay an optional tip or monthly subscription. Many offer same-day funding, though sometimes for a fee.
7. Online lenders

  • Turnaround: Next business day funding
  • Amount: Varies

Online lenders use algorithms instead of bankers to underwrite their loans, meaning you can get approved within minutes. But it usually takes a day to transfer the funds to your bank account. Online loans are easier to qualify for than a traditional bank loan, though rates are often higher. And your options are limited with bad credit.

8. PTO cash advance

  • Turnaround: As little as minutes after approval
  • Amount: Varies

A PTO cash advance can offer you a way to turn your hard-earned PTO into cash when you’re in a pinch. How much you qualify for depends on how much unused PTO you have. In some cases, you’ll make interest-only monthly payments on your loan until you leave your job or your term is up.

Loans below $1,000

Many personal lenders have minimum loan amounts starting at $1,000. If you need less than that, then a payday lender may be the route for you. Just keep in mind that it can be a pricey option.

What to watch out for with fast loans

Fast loans can help you out of an emergency. But they can come with some major drawbacks.

  • High interest rates and fees. The fastest loans often cost more than loans that take a longer time to approve — with the exception of financing from your current bank or credit union. Payday loan APRs can often top 700%.
  • Expensive repayments. Payday loans can require repayment within a few weeks or a month. This can be difficult to afford if you don’t have the income to cover the cost. And if you roll over your repayment, you’re often charged an additional fee.
  • Cycle of debt. If you roll over your loan more than once, you could end up racking up fees at a rate that makes it difficult to repay. This is a debt cycle, which can lead to default. In the worst cases, your lender could even sue you for nonpayment.

More guides on Finder

  • Loans Like CreditNinja

    Compare other lenders and cash advance apps as alternatives to loans like CreditNinja.

  • Time really is money with PTO cash advances

    A PTO cash advance allows certain workers to cash in on their unused paid time off.

  • Get a $600 loan

    How to get a $600 loan, including eligibility requirements and where to find them.

  • Lenders that offer $300 loans

    Compare eight lenders that offer loans under $300.

  • Get a $200 loan

    Find out where to apply for a short-term loan if you have bad credit — and learn what red flags to stay away from.

  • 9 loans like Cash Central

    Cash Central provides fast payday loans and makes it easier for returning customers. Learn about similar providers in your state.

  • Sites like ACE Cash Express

    Ace Cash Express provides quickly approved loans at more than 850 locations. Find similar services in your state.

  • 9 companies like Check Into Cash

    Check Into Cash gets you money fast with a low minimum. Read about other similar services.

  • Get a $500 loan

    Here’s how to get a small $500 loan for cash until payday.

  • Get a $100 loan

    Borrowing a $100 can be a quick and painless process. This article covers exactly what you need to know when you need a little cash between paydays.

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84 Responses

    Default Gravatar
    KanchanDecember 14, 2018

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

      Default Gravatar
      nikkiangcoDecember 18, 2018

      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.


    Default Gravatar
    anilDecember 10, 2018

    I need 5 lakh urgent

      Default Gravatar
      nikkiangcoDecember 13, 2018

      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.


    Default Gravatar
    IzaOctober 16, 2018

    Can i borrow 90,000 for personal loan ?

      Default Gravatar
      nikkiangcoOctober 17, 2018

      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.


    Default Gravatar
    louisSeptember 25, 2018

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

      CharisseSeptember 25, 2018Finder

      Hi Louis,

      Thanks for reaching out to Finder.

      Yes, it is still possible for you to get a loan. There are lenders that don’t require a bank account that you can consider applying with. However, please note that most of these lenders will have higher interest rates and will charge expensive fees, and may require you to have collateral.

      Before applying, please check the eligibility criteria and the loan terms to see if it best suits your needs.

      Hope this helps.


    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. :)


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