Best Online Loans That Are Easy to Get

Andrew Reyes
A person sits at their desk, with their computer open to a loan screen.
Reading Time: 6 minutes

Online loans should leave borrowers in a better financial situation than before, allowing them to fund homeownership, personal projects, and other opportunities. The best online loans come from reputable lenders and feature reasonable interest rates with minimal fees.

If you’re seeking an easily attainable loan, consult the options below for more information on high-quality lending partners that can help you take steps to secure your financial future.

Easy Loans With Online Approval

These are our favorite online loans that are easy to get.

CashUSA.com

Personal loan options through CashUSA.com are easy to obtain, and can be used for a wide variety of applications. Allowing borrowers complimentary access to a large network of lenders, CashUSA.com is one of the nation’s most popular destinations for no-hassle loans.

Consumers find it simple to pursue funding through an easy online CashUSA.com loan. After borrowers follow a few simple steps and submit a simple online application, potential lending partners reach out to them with loan offers. Once they accept the terms, funding is quickly transferred.

CashUSA.com prioritizes and encrypts private user information through the entire loan process, from your application through connection with your lending partner. Lenders in the CashUSA.com network prioritize speed, allowing borrowers access to finances as soon as the next day after loans close.

This process is made even faster if borrowers have access to their bank information at the time of the loan application.

  • Loan amounts: $500 to $10,000;
  • Annual percentage rate (APR): 5.99% to 35.99%;
  • Loan terms: Three to 72 months.

Learn more about CashUSA.com today.

BadCreditLoans.com

A lending network offered specifically for individuals with lesser credit scores, BadCreditLoans.com helps pair borrowers with partners ready to help them secure easy financing. A 100% free service for customers to use, BadCreditLoans.com is available every hour of every day to connect borrowers with funding through lending partners.

Consumers can request up to $10,000 as an initial loan, through a process protected by industry-standard encryption technology. Forms can be completed at any time of the day or night, giving borrowers the flexibility to request funding whenever it’s needed most.

BadCreditLoans.com is committed to helping borrowers find the best possible loan terms to suit their circumstances. Even if there isn’t a lender available, BadCreditLoans.com will help connect you with an investment partner suitable for your condition.

  • Loan amounts: $500 to $10,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about BadCreditLoans.com today.

Payoff

Through Payoff, consumers have access to easy online loans specifically to help repay credit card debts. Borrowers looking to consolidate debts can reduce multiple balances into a single, low-rate payment.

In as little as three minutes, borrowers can check their loan rates after entering a few items of personal information. Payoff can offer lower interest rates than most credit card companies, helping pay off credit card debts through easy online loans that can add 40 points to a consumer’s credit score.

  • Loan amounts: $5,000 to $40,000;
  • APR: 5.99% to 24.99%;
  • Loan terms: Two to five years.

Learn more about Payoff today.

Prosper

Prosper loans are built to take the hassle out of the personal loan application process. Consumers only need to identify a preferred loan amount, as well as information on the project they intend to fund, to check their rate.

Whether a borrower is consolidating debts or funding a home renovation, Prosper loans can offer financing in as little as one day.

Once the borrower agrees to loan terms, Prosper locks in the interest rate. This means that Prosper rates will never increase, allowing borrowers to take advantage of low, monthly payments without unnecessary fees.

 To get started, borrowers only need to check their rate, choose a pre-qualified loan type, and receive funds straight to their bank account through direct deposit.

  • Loan amounts: $2,000 to $40,000;
  • APR: 7.95% to 35.99%;
  • Loan terms: 36 to 60 months.

OppLoans

OppLoans specializes in online loans made easy. A streamlined loan application process is meant to connect borrowers with loan options as quickly as possible, helping customers obtain financing in as little as one day.

Since its creation, OppLoans has helped more than 500,000 satisfied borrowers take steps toward obtaining financing when they need it.

OppLoans works to offer loans to as many consumers as possible, helping to pair eligible borrowers with a lending partner from their network of qualified investors. All partners are fully FDIC-insured, and offer a combination of bad credit loans, no credit check loans, and installment loans, all easy to obtain and spend.

  • Loan amounts: $500 to $4,000
  • APR: Maximum of 160%
  • Loan terms: Up to two years.

Learn more about OppLoans today.

OneMain Financial

The loan application process through OneMain Financial is kept hassle-free from start to finish. For more than 100 years, OneMain Financial has helped fund customers’ projects, through loan agreements that feature fixed rates and fees that never change once agreed upon.

Rather than deliver instant, pre-qualified loans like many lenders, OneMain Financial will connect you directly with a loan specialist after you submit an online application.

The specialist will help you navigate the loan acquisition process, based on aptitude factors that include income, credit history, and expenses. Finances are transferred directly to you as soon as you agree to loan terms.

  • Loan amounts: $1,500 to $20,000;
  • APR: 18% to 35.99%;
  • Loan terms: 24, 36, 48, or 60 months.

Avant

More than 800,000 customers have accessed an Avant personal loan, covering unexpected medical bills, home restoration, and a wide range of other projects.

Consumers trust Avant for its transparent approach to the lending process, all encrypted to ensure user safety.

Borrowers can make secure monthly payments through an online payment portal, or even through the Avant mobile application. Avant is also characterized by a strong customer service team: when a borrower has a question or concern regarding their financial situation, they can always reach a live Avant representative for help.

Apart from their easy online loans, Avant also allows for streamlined loan use through their Avant Credit Card program. Avant credit cards are available for consumer use without hidden or unnecessary fees, and come with credit limits, benefits, and other perks.

  • Loan amounts: $2,000 to $35,000
  • APR: 9.95% to 35.99%;
  • Loan terms: 24 to 60 months.

Upstart

Nearly 700,000 customers have secured easy online loans through Upstart, a lender offering next-day funding for qualified borrowers.

Customers are only asked to identify the intended purpose of the personal loan — credit card payment, debt consolidation, student loans, medical expenses, or other options — before they can check their rates through an expedited application process.

In as little as five minutes, borrowers can see rates and take steps toward easy online loan acquisition through Upstart. Even if a customer does not have sufficient collateral to offer a more traditional lender, Upstart will often fund your financial request through an unsecured personal loan.

  • Loan amounts: $1,000 to $50,000;
  • APR: 7.86% to 35.99%;
  • Loan terms: 36 to 60 months.

PersonalLoans.com

Without any hidden fees, PersonalLoans.com helps consumers obtain the financing they need, right to their bank accounts.

Not a lender in itself, PersonalLoans.com offers borrowers complimentary access to their network of lenders. If borrowers are accepted, they are connected to lenders who can deliver a personal loan as soon as the next business day.

Personal installment loans, bank personal loans, and peer-to-peer loans are all available through verified PersonalLoans.com partners. While meeting loan requirements does not necessarily guarantee that a borrower will qualify, PersonalLoans.com adopts a comprehensive approach when considering borrowers.

Even if a consumer has a low credit score, or was rejected by other lenders, they can still find a lending partner through PersonalLoans.com.

  • Loan Amounts: $500 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: Three to 72 months.

Learn more about PersonalLoans.com today.

What Are Easy Online Loans?

Easy online loans allow consumers to secure the financing they need to fund personal projects, without any unnecessary hassle or stress.

No matter the terms, many loans can be challenging to obtain. Loan applications can be made more difficult by several factors, including loan amount, credit history, the current economic landscape, and your relationship with the lender.

That’s why the best online loans offer more than reasonable rates terms; easy online loans can connect borrowers with the financing they need through streamlined applications, where approval is fast and money is often transferred in a single business day.

How Do I Get an Easy Online Loan?

The best online loans can help customers take control of their finances, whether they’re funding a wedding or paying back an unexpected medical bill. Borrowers looking to secure an easy online loan can follow simple steps to secure the funding they need:

  1. Identify an online loan provider from one of the above options.
  2. Complete their online loan application, including intended loan amount, loan type, and relevant financial information.
  3. Read through rates and terms from lenders.
  4. Accept the best loan option for you.
  5. Receive the funding you need — directly to your bank account — in as little as 24 hours.

Some easy online loans offered from lenders are characterized by high annual percentage rates, which can increase repayment amounts when balances come due.

To qualify for lower rates, consumers should look to bolster their credit scores by making regular, on-time payments to improve payment history. This will also decrease total debt — which lowers the debt-to-income ratio — to make loan terms even more reasonable.

How to Find the Best Easy Online Loan Provider

Easy online loans are designed to pair certified lenders with qualified borrowers, without any unnecessary fees or hassle. Finding the best easy loan provider starts when borrowers thoroughly read through loan terms before accepting.

In general, shorter-term loans require higher monthly payments, but offer more reasonable interest rates. If you need a longer-term loan, certain lenders offer credit over five or six-year spans. However, you’ll likely be subject to higher interest rates, despite more affordable monthly payments.

Borrowers should prioritize lenders and lending networks with quality customer service programs, where customers can speak to real representatives when they have questions or concerns. If you have poor credit, seek an online loan provider who won’t disqualify your application simply because of your credit rating.

No matter your financial history or requested loan amount, persevere to find an easy online loan provider that can help you pursue financial opportunities on your schedule.


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