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.
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Simple pre-qual application in less than 1 minute.
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Choose the offer that best fits your needs.
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Finalize your loan offer, get approved, and receive funds.
When unexpected expenses arise — medical bills, car repairs, home emergencies — a quick 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.
These lenders offer some of the fastest funding times for personal loans.
| Lender | Funding speed | APR range | Min. loan |
| LightStream | Same day | 7.49% – 25.49% | $5,000 |
| Upgrade | 1 business day | 6.94% – 35.97% | $1,000 |
| Best Egg | 1 business day | 8.99% – 35.99% | $2,000 |
| Upstart | 1 business day | 6.40% – 35.99% | $1,000 |
| Avant | 1 business day | 9.95% – 35.99% | $2,000 |
LightStream offers same-day funding. Upgrade, Best Egg, Upstart, and Avant typically fund by the next business day.
Yes. Upstart accepts scores as low as 300 using AI evaluation, Upgrade and Avant accept 580+, and OneMain Financial has no published minimum.
Upgrade accepts credit scores as low as 580 and offers loans from $1,000 to $50,000 with next-day funding.
Upstart uses AI to evaluate borrowers beyond credit scores. Funding often next business day.
Best Egg has funded over $24 billion in loans with fast next-day funding.
Avant specializes in lending to borrowers with 580+ credit scores with next-day funding.
LendingPoint looks at your complete financial picture, not just your credit score.
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