WTTM
LightStream
Best for Same Day Approval, Same Day Funding
4.49-20.49%
The terms of your loan, including the APR, may differ depending on the purpose of the loan, amount, term, and your credit profile. AutoPay 0.50% points discount is only available if selected prior to loan funding. Rates without AutoPay will be 0.50% higher. To get a loan, you must complete an application on LightStream.com which may affect your credit score. Subject to credit approval. Conditions and limitations apply. The prices and conditions advertised are subject to change without notice. Example Payment: Monthly loan payments of $ 10,000 at 6.14% APR with a term of 3 years would result in 36 monthly payments of $ 304.85. Truist Bank is an equal housing lender. © 2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Loan services provided by Truist Bank.
$ 5,000 to $ 100,000
Loan example: A four-year, $ 20,000 loan with an APR of 13.9% would cost $ 546 in monthly installments. You would pay $ 6,208 in total interest on this loan.
660
Loan point
on the LendingPoint website
Ideal for same day approval, next day funding
9.99-35.99%
The approval of the loan is not guaranteed. Loan offers and actual loan amounts, terms and Annual Percentage Rates (“APRsâ€) may vary depending on how LendingPoint’s proprietary underwriting and scoring system examines your credit, situation. financial, other factors and supporting documents or information you provide. Original or other charges of 0% to 6% may apply depending on your state of residence. Upon final approval of the subscription by LendingPoint to finance a loan, said funds are often sent via ACH on the next non-holiday business day. LendingPoint offers loan offers from $ 2,000 to $ 25,000, at rates ranging from a minimum APR of 15.49% to a maximum APR of 34.99%, with terms of 24 to 48 months.
$ 2,000 to $ 36,500
580
Discover® Personal loans
Ideal for same day approval, next day funding
5.99-24.99%
It is not a commitment to lend with Discover Personal Loans. Your approval for a loan is determined after you apply and is based on your application information and your credit history. Your APR will be between 5.99% and 24.99% depending on creditworthiness at the time of application for loan terms of 36 to 84 months. For example, if you get approved for a loan of $ 15,000 at 6.99% APR for 72 months, you will only pay $ 256 per month. Our lowest rates are offered to consumers with the best credit. There are many factors that are used to determine your rate, such as your credit history, application information, and the term you select. Not all applications will be approved.
$ 2,500 to $ 35,000
720
OneMain Financial
on the OneMain Financial website
Ideal for same day approval, next day funding
18.00-35.99%
Not all applicants will be eligible for larger loan amounts or better loan terms. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and the availability of collateral). Larger loans require a first lien on a motor vehicle less than ten years old that meets our value requirements, titled in your name with valid insurance. The maximum annual percentage rate (APR) is 35.99%, subject to state restrictions. APRs are generally higher on unsecured vehicle loans. Depending on the state in which you open your loan, the origination fee can be either a fixed amount or a percentage of your loan amount. Lump sums vary by state, ranging from $ 25 to $ 300. Percentage-based fees vary by state, ranging from 1% to 10% of your loan amount, subject to certain state limits on the amount of fees. Active duty military personnel, their spouses or dependents covered by the Military Loans Act cannot pledge a vehicle as security for a loan. OneMain loan proceeds cannot be used for post-secondary education expenses as defined by CFPB Regulation Z, such as college, university or professional expenses; for professional or commercial purposes; buy securities; or for gambling or illegal purposes. Borrowers from these states are subject to these minimum loan amounts: Alabama: $ 2,100. California: $ 3,000. Georgia: Unless you are a current customer, a minimum loan amount of $ 3,100. Ohio: $ 2,000. Virginia: $ 2,600. Borrowers (other than current customers) in these states are subject to these maximum unsecured loan amounts: North Carolina: $ 7,500. New York: $ 20,000. An unsecured loan is a loan that does not require you to provide collateral (like a motor vehicle) to the lender.
$ 1,500 to $ 20,000
Nothing
The average score is 600 – 650
Rocket loans
on the secure NerdWallet site
Ideal for same day approval, next day funding
5.97-29.69%
All personal loans are made through Cross River Bank, a commercial bank licensed by the State of New Jersey, FDIC member, Equal Housing Lender. All loans are unsecured and fully amortize personal loans. Eligibility for a loan is not guaranteed. Please refer to our Disclosures and Licenses page for state-required disclosures, licenses and lending restrictions. The borrower must be a U.S. citizen or permanent resident alien of the United States who is at least 18 years old (in Nebraska and Alabama, a borrower must be at least 19 years old). All loan applications are subject to credit review and approval. The loan terms offered depend on your credit profile, amount requested, length of loan requested, credit usage, credit history, and other factors. Not all borrowers receive the lowest interest rate. To get the lowest rate, you must have excellent credit, meet certain conditions, and select automatic payment. Prices and conditions are subject to change at any time without notice. Please refer to RocketLoans.com and our Terms of Service for additional terms.
$ 2,000 to $ 45,000
640
See my rates
on the secure NerdWallet site
Personal loan figure
on the secure NerdWallet site
Ideal for same day approval, next day funding
5.75-22.94%
This APR includes an automatic payment discount.
$ 5,000 to $ 50,000
680
See my rates
on the secure NerdWallet site
To improve
Best for approval within days, same day funding
5.94-35.47%
Personal loans granted through Upgrade have APRs of 5.94% to 35.47%. All personal loans have an origination fee of 2.9% to 8%, which is deducted from the loan proceeds. The lower rates require automatic payment and direct repayment of part of the existing debt. For example, if you received a loan of $ 10,000 with a term of 36 months and an APR of 17.98% (which includes an annual interest rate of 14.32% and a one-time setup fee of 5%) , you will receive $ 9,500 in your account and have a required monthly payment of $ 343.33. Over the life of the loan, your payments would total $ 12,359.97. Your loan’s APR may be higher or lower, and your loan offers may not have multiple terms available. The actual rate depends on credit rating, credit history, length of loan, and other factors. Late payments or subsequent charges and fees can increase the cost of your fixed rate loan. There are no fees or penalties for prepaying a loan. Personal loans issued by Upgrade lending partners. Information on Upgrade Lending Partners is available at https://www.upgrade.com/lending-partners/. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day after completing the necessary verifications. The availability of funds depends on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to repay your creditors can take up to 2 weeks to clear, depending on the creditor.
$ 1,000 to $ 50,000
560
Universal Credit
Best for approval within days, same day funding
8.93-35.43%
Personal loans granted through universal credit show APRs of 8.93% to 35.93%. All personal loans have a creation fee of 4.25% to 8%, which is deducted from the loan proceeds. The lower rates require automatic payment and direct repayment of part of the existing debt. For example, if you received a loan of $ 10,000 with a term of 36 months and an APR of 27.65% (which includes an annual interest rate of 22.99% and a one-time setup fee of 6%) , you would receive $ 9,400 in your account and have a required monthly payment of $ 387.05. Over the life of the loan, your payments would total $ 13,933.62. Your loan’s APR may be higher or lower, and your loan offers may not have multiple terms available. The actual rate depends on credit rating, credit history, length of loan, and other factors. Late payments or subsequent charges and fees can increase the cost of your fixed rate loan. There are no fees or penalties for prepaying a loan.
$ 1,000 to $ 50,000
560