Best Loans if You Need Money Now

Andrew Reyes
A person holding a tablet displaying a screen that reads "loan."

Sometimes, borrowers need money as fast as possible. Covering emergency hospital bills, unexpected vehicle repairs, and other unforeseen expenses is often an immediate priority. When you need money now, it’s good to know that lenders are standing by to help you secure the financing you need.

While borrowers can’t plan for every emergency, they can take steps to secure financing almost immediately through some of the best “fast financing” lenders. Consult the options below, to select a lending partner that’s right for your situation.

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Loans That Let You Get Money Now

These are our favorite lenders that can help you get money now.

As soon as the next business day, borrowers who obtain a personal loan through could receive up to $10,000. helps to connect consumers with the right lending partner, from a comprehensive lender network.

Applications can be submitted in minutes, and borrowers with qualifying bank accounts could have access to funds in 24 hours. wants to make sure that borrowers aren’t charged any unnecessary fees. That’s why borrowers can use this lender network free of charge; submission of your loan request is also free.

Once paired with a lender, borrowers will have the chance to agree to applicable rates and terms before acceptance. Obtain a discreet, lightning-fast loan through a lending partner today, after completing their streamlined application process.

  • 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 today. offers all borrowers complimentary access to its extensive lending partner network, where consumers can obtain loans between $500 and $10,000 in a short time.

No matter the time of the day or night, offers customers access to its 24/7 online loan portal, where borrowers can qualify for loans through an encrypted application process.

Once accepted, all borrowers need to do is review and accept loan terms from their lending partner, and funding will be on its way to their bank account. offers quality lending partners to borrowers, even if your credit score isn’t the best.

Applying more of a comprehensive approach to loan aptitude, won’t disqualify a potential borrower simply because of a lower credit score. Other factors, including income and the current economic landscape, can also play a role in ultimately determining which lenders reach out.

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

Learn more about today.


Through fixed, monthly payments, Payoff offers low-rate loans that can help you get financial help within days. As long as you have a credit score of 640 or above, you can secure between $5,000 and $40,000 whenever necessary.

Specializing in financing that can help borrowers pay off excessive credit card debts, Payoff moves fast to help you secure funding. In three minutes, you can complete and submit a loan application.

Once accepted, Payoff works fast to deliver your loan — as long as your credit history, debt-to-income ratio, loan utilization, and other qualifying factors are sufficient.

  • Loan amounts: $5,000 to $40,000;
  • APR: 5.99% to 24.99%;
  • Loan terms: 24 to 60 months.

Learn more about Payoff today.


One of the premier next-day lenders, Prosper minimizes loan turnaround by helping consumers secure loans as fast as possible. Many borrowers who need money now will consider Prosper, given their commitment to fast loans, without compromising annual percentage rates or fees.

Borrowers can secure up to $40,000 in total financing, assuming that they are eligible to qualify. Prosper loans are typically provided with either three or five-year repayment windows, allowing you all the time you need to pay back balances through regular monthly installments.

And if you’re ready to pay back the entire loan before it’s due, you can erase your debts without any prepayment fees.

  • Loan amounts: $2,000 to $40,000;
  • APR: 7.95% to 35.99%;
  • Loan terms: Three to five years.


OppLoans is all about minimizing turnaround times between loan requests and financing. That’s why qualified borrowers can see financing hit their bank accounts as soon as one day after requesting a loan.

More than 500,000 borrowers have already received the funding they needed through OppLoans, to satisfy home renovations, emergency bills, and other concerns.

Even if you’re a borrower who can’t find approval from traditional lenders, securing funds from OppLoans is still an option for you. Offering lower APR percentages than many of their competitors, OppLoans is also dedicated to addressing any borrower concerns.

Even before loans go through, potential borrowers can reach out to OppLoans and speak to a real, live person qualified to answer questions and provide information.

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

Learn more about OppLoans today.

OneMain Financial

No matter the reason why you need a personal loan, OneMain Financial is ready to help. For longer than 100 years, OneMain Financial has served as a destination for fast, reliable loans.

Depending on your credit history, intended loan size, concurrent loans, and other factors, loans of up to $20,000 can be fully financed the same day you originally apply.

Consumers also enjoy fixed payments, from the beginning of their loan through its conclusion. Once loan terms are agreed upon between lender and borrower, they never increase.

Rather than simply pre-qualify you for a generic loan, OneMain Financial connects you with a personal loan specialist from their team. This specialist will help you navigate available lenders and terms, to help you obtain necessary financing while agreeing to a loan that will benefit your long-term financial health.

OneMain Financial also helps distance itself from other lenders when it comes to regular fees. Late payment fees, prepayment fees, application fees, and other hidden or undisclosed fee types can quickly add to the underlying price of a loan.

Fortunately, OneMain Financial offers a free-free approach to loan acquisition, so that you can secure the money you need within hours of first applying.

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


If you’re looking for immediate funding from a provider with a strong history of loan fulfillment, you’re looking for a lending partner like Avant. In a single day, eligible borrowers can secure up to $35,000 in total funding through an Avant loan.

Online applications take only minutes to finish, from a lending provider that has helped more than 1.5 million consumers.

Avant adopts a unique approach to the lending process. Not only do they offer reasonably priced personal loans; Avant also offers access to an Avant credit card, which can help consumers build a more positive credit score and set spending thresholds to prevent excessive use of finances, all without an initial deposit.

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


Eligible borrowers can obtain loans of up to $50,000 through Upstart, making this lending partner a preferred option if you’re looking to secure more financial equity. In addition, Upstart is known for its lending speed: 99% of its personal loan funds are offered to borrowers the day after loan applications are originally submitted.

Upstart also waives all prepayment penalties, meaning that you can pay off the entirety of your loan early without any extra fees.

More than 698,000 borrowers to date have earned extra financing through a fast Upstart loan, even if their credit scores weren’t sufficiently high enough for approval through a traditional lender. That’s because Upstart uses 1,600 data points when evaluating each borrower, instead of just credit rating.

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

What Are Quick Loans?

Quick loans help borrowers obtain financing as fast as possible. Many of the best fast loan providers can help borrowers obtain financing as soon as the next business day.

Fast loans for individuals who need money now can be used for a wide variety of applications. Whether you need to make an unscheduled car payment, satisfy an emergency medical bill, or pay down a loan that recently fell into default, next-day and even same-day loans through the above lenders can make that a possibility.

I Need Cash Now. How Do I Get a Quick Loan?

Borrowers who need money now can follow simple steps to qualify for — and then receive — the financing they urgently need:

  1. Select one of the qualified fast money lenders from the above list.
  2. Visit their website and submit an application, identifying your intended loan amount.
  3. Review loan terms once lenders reach out with offers.
  4. Accept offers, and watch funding appear in your bank account in only hours.

Through a simple loan acquisition process, borrowers can secure the necessary financing to satisfy immediate debts, and can then repay fast money lenders across convenient payment windows.

APRs vary widely, according to a borrower’s ability to qualify for lower rates. Borrowers who improve credit history through on-time payments and total debt minimization — the two most important factors in determining credit rating — can obtain loans with more reasonable associated rates and less overall interest.

How to Find the Best Loan Provider When You Need Money Now

Finding a quality fast loan provider means locating a lending partner who can help you obtain cash now. That’s why many of the above lending options feature responsive customer service networks, with qualified representatives who can address any questions or concerns you may have during the loan acquisition process.

Individuals with poor credit should also prioritize lenders who adopt a more holistic approach to borrower qualification. Many fast money lenders consider a wide range of factors before determining borrower eligibility, so that a low credit score won’t necessarily disqualify someone from receiving the money they need.

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