Emergency Personal Loans Online

Need funds fast? Compare personal loans with same-day or next-day funding for urgent expenses.

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Get your rate in minutes

No credit score impact

Borrow up to $100,000

How PrimeRates Works

PrimeRates provides access to personalized loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the loan application with the lender.

1

Apply in minutes

Simple pre-qual application in less than 1 minute. 

2

Select your loan offer

Choose the offer that best fits your needs.

3

Receive funds quickly

Finalize your loan offer, get approved, and receive funds.

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Smartphone loan pre-qualification app interface

Emergency Personal Loans

When unexpected expenses arise — medical bills, car repairs, home emergencies — an emergency personal loan can provide fast access to funds. Many online lenders offer same-day or next-business-day funding with streamlined applications.

Compare emergency loan options with the fastest funding times below.

Best Emergency Personal Loans — Fast Funding

These lenders offer some of the fastest funding times for personal loans.

LenderFunding speedAPR rangeMin. loan
LightStreamSame day7.49% – 25.49%$5,000
Upgrade1 business day6.94% – 35.97%$1,000
Best Egg1 business day8.99% – 35.99%$2,000
Upstart1 business day6.40% – 35.99%$1,000
Avant1 business day9.95% – 35.99%$2,000

Frequently Asked Questions

How fast can I get an emergency loan?

LightStream offers same-day funding. Upgrade, Best Egg, Upstart, and Avant typically fund by the next business day. Application and approval can happen in minutes.

Can I get an emergency loan with bad credit?

Yes. Upstart accepts scores as low as 300 using AI evaluation, Upgrade and Avant accept 580+, and OneMain Financial has no published minimum.

Compare Personal Loan Rates

Upgrade

  • Loan range: $1,000 – $50,000
  • APR: 6.94% – 35.97%
  • Min. credit score: 580

Upgrade accepts credit scores as low as 580 and offers loans from $1,000 to $50,000. Reports to all three credit bureaus, helping build credit with on-time payments. Funds typically deposited within one business day.

Visit Upgrade

Upstart

  • Loan range: $1,000 – $50,000
  • APR: 6.40% – 35.99%
  • Min. credit score: 300 (AI-based)

Upstart uses AI and machine learning to evaluate borrowers beyond traditional credit scores. Considers education and employment history. Funding often next business day.

Visit Upstart

Best Egg

  • Loan range: $2,000 – $50,000
  • APR: 8.99% – 35.99%
  • Min. credit score: 640

Best Egg has funded over $24 billion in loans since 2014. They offer a simple online application with funding as fast as one business day. Origination fees range from 0.99% to 8.99%.

Visit Best Egg

Avant

  • Loan range: $2,000 – $35,000
  • APR: 9.95% – 35.99%
  • Min. credit score: 580

Avant specializes in lending to borrowers with credit scores between 580 and 700. Straightforward online application with next-day funding. No prepayment penalties.

Visit Avant

LendingPoint

  • Loan range: $2,000 – $36,500
  • APR: 7.99% – 35.99%
  • Min. credit score: 580

LendingPoint looks at your complete financial picture, not just your credit score. Reports to all three credit bureaus to help you build credit over time.

Visit LendingPoint

Other Personal Loan Types

Debt Consolidation

Credit Card Refinance

Home Improvement

Medical Expenses

Business Expenses

Vacation

Moving Expenses

Education Expenses

Wedding

Auto Expenses

Ready to get pre-qualified for a personal loan?

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