Fast Personal Loans

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Fast Personal Loans
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How to Get a Fast Personal Loan

We all have those “how do I find the cash for that?” moments in our lives – the car needs repairing, a pipe bursts, or you need to fly across the country to care for a family member… there’s always a reason to need cash fast. Fortunately, there are now plenty of options at your disposal, and getting a fast personal loan may just need the injection of cash you need.

Applying for a personal loan online is quick and easy:

Fill out a simple and fast online application in just minutes

Compare best personalized rates and choose your loan offer

Borrow up to $100,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

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Where to get emergency personal loans fast

The easiest way to get a fast personal loan is online – look through the loans in our comparison tables here and find those that will fit your circumstances best. When you find those you like, look into the fine print and then apply.

Lightstream Personal Loans

LightStream

Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Funding turnaround: as soon as same business day

LightStream offers up to $100K on personal loans as soon as same business day (the most out of most lenders!)
Avant

Avant

Funding: Borrow $2,000 - $35,000
Minimum Credit Score: 550
APR: 9.95% - 35.99% APR
Funding turnaround: Within 24 hours

Avant offers super fast funding and is a great personal loan option for individuals with fair to good credit scores.
Best Egg Personal Loan

Best Egg

Funding: Borrow $2,000 - $50,000
Minimum Credit Score: 600
APR: 4.99% - 35.99%
Funding turnaround: 1-3 business days

Borrowers with fair to good credit can obtain personal loans at competitive APR rates with Best Egg.
Discover Personal Loans Review

Discover

Funding: Borrow $2,500 - $35,000
Minimum Credit Score: 660
APR: 5.99% - 24.99%
Funding turnaround: within 24 hours

Borrowers can get funded as fast as next business day with Discover personal loans.
Axos Bank Loan Review

AXOS Bank

Funding: Borrow $10,000 - $50,000
Minimum Credit Score: 700
APR: 6.79% - 17.99%
Funding turnaround: within 24 hours

Individuals with good to excellent credit can get funds as fast as next business day with AXOS Bank personal loans.

What are fast cash personal loans?

If you need money quickly many loans are no use to you simply because the time scale is too long. The application procedure is drawn out and even when you have been approved for the loan it is days before the cash is in your checking account. If you can’t get your car out of the shop or pay for a plumber, a loan that takes days or even weeks to materialize is of little use.

However, there are loans available specifically designed to get you the funds you need in hours or a couple of days at most. Thanks to online lenders, you aren’t limited just to short-term loans with terrible interest rates – you can now get funding at a good rate fast, especially if you have a good or excellent credit score.

What are the benefits of fast personal loans?

Fast personal loans are just that – fast. The providers understand that and tailor the loan package to make sure application and fulfillment are as rapid as technology allows so you can get the cash you need as soon as possible. That allows you to pay for essential car or home repairs, book that plane ticket, or pay for other unforeseen circumstances.

Why apply for a fast cash personal loan?

There are all sorts of reasons why you might need finance in a hurry. Among the most common are:

  • Emergency medical expenses
  • Car repairs or replacement
  • Emergency home repairs
  • Unplanned travel
  • Overdue bills
  • Large personal purchases
  • Cost for school education
  • Funeral costs
  • Moving expenses
  • Unexpected utility bills
  • Unexpected fines or fees

A fast personal loan won’t limit you to what you can pay for – once the money is in your account it’s up to you to spend it as you see fit.

Fast personal loan payment calculator

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What are the different types of fast personal loans?

Personal loan: A personal loan is (usually) an unsecured loan that you pay back with fixed regular installments over the term of the loan. As it is unsecured you don’t need to provide collateral. This means your property is safe should you find it difficult to keep up repayments. However, as the lender’s money is more vulnerable than with a secured loan the interest charged is likely to be more. The great advantage of a personal loan as a method of fast funding is that you may get longer terms than with most other financial products.

Credit card cash advance: Most credit card companies allow you to get cash with your card though they usually charge fees. Though this may make it an expensive way to borrow money it does have the advantage of providing money instantly. There’s no time lost in applying and waiting for approval.

HELOC: A home equity line of credit, or HELOC, allows you to set up a line of credit with your home as collateral. HELOC providers agree to a maximum amount you may borrow, often up to 85% of the equity you hold in your home and a draw period (anywhere between 5 and 20 years) when you can access the money. After this period, when you only pay interest on the amount you borrow, you usually have a period of years to repay the entire debt. Because your house is the collateral there is the possibility you will lose it if you default.

Home equity loan: If your home has risen in value since you bought it or you have paid off an appreciable amount of the mortgage you will have equity. Lenders are prepared to offer you a secured personal loan based on a percentage of that figure. While this sort of finance often has a low-interest rate, as with a HELOC, your home is at risk.

Title loan: A title loan is a loan taken out against the value of your car. If you don’t keep up your repayments, they’ll seize your car.

Friends and family: If a member of your family or circle of friends is prepared to lend you the sum you require then your search for a fast loan may be over. However, you need to be very careful that this doesn’t ruin your relationship with the lender. Make sure the exact interest to be charged is understood (if any) and you agree when you’ll pay it back by.

Crowdfunding: If you’re facing a difficult situation there are often people online who would be happy to give you a few dollars to help you get back on your feet if you’re willing to share your story. This can be a good move if you’re funding a medical emergency as people often want to help you manage the hand you’ve been dealt.

What credit score do I need to get a quick personal loan?

As with all forms of borrowing, the better your credit score the better terms and interest rate you are likely to be offered. Most lenders will want a minimum credit score of 560 and upwards, with 660-720 being more common. It is certainly possible to get fast personal loans with a poor credit score but the APR will be much higher.

As with all forms of finance make sure what the agreement means for you and how much it will cost. If you need money quickly, it is tempting to grab whatever is available but try not to panic. A bad decision can get you into serious financial trouble that may be worse than missing a bill or two.

How can I get a fast personal loan online?

Most providers of fast personal loans offer online applications. Before you apply, make sure you have the documentation you may need on hand. Most lenders will need details of your income (after tax), your employment status, checking account details, credit history, current debt held, and the amount you want to borrow. Look for those that will do a soft credit check first to let you know if you’re likely to be approved, before moving forward with your application, which will involve a hard credit check.

Once approved you will be asked to sign an agreement. Once you have agreed to the offer, most lending bodies will directly deposit the loan straight into your bank account. The best lenders make the whole process simple and very fast.

Apply for a fast personal loan online

Once you have chosen the offer that fits your needs and gathered all the information that the lender requires, make your application. Many online lenders reach a decision immediately and will deposit the money in your account in a few hours.

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