Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
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Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
- Fast scan
- Top options summarized in one view
- Clear terms
- Rates, fees, or fit signals are easy to spot
- No fluff
- Straight to the shortlist before deeper research
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Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
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Recently added
- Rate
- 7.74–35.99%
- Amount
- $1k–$50k
- Timing
- Next business day funding
Consolidate debt with multiple rate discounts including autopay and direct creditor payment. Loans from $1,000 to $50,000 with terms up to 84 months. Accessible to fair-credit borrowers with scores as low as 580.
- Minimum credit score 580
- US citizen or permanent resident
- Verifiable income
- Rate
- 36.0–199.0%
- Amount
- $100–$5k
- Timing
- Same day
One of the largest payday loan providers in the US. Offers payday loans and installment loans online and at 900+ store locations. fast payday loan funding available at stores.
- Active bank account
- Verifiable income
- Age 18+
- Rate
- 8.5–11.5%
- Amount
- $25k–$500k
- Timing
- Talk to an Equity Expert for quick assessment
Home equity loans and HELOCs with higher LTV options — borrow up to 95% of home value. Quick digital process.
- Homeowner with sufficient equity
- US resident (not available in NY, HI, UT)
- Property appraisal required
- Rate
- 7.95–35.99%
- Amount
- $5k–$40k
- Timing
- —
Personal loans specifically designed for paying off credit card debt. Lower rates than credit cards for qualified borrowers. Focus on financial wellness.
- US citizen or permanent resident
- Age 18+
- Valid SSN
- Rate
- —
- Amount
- $50–$250
- Timing
- Minutes
Payday advance app offering instant cash advances up to $250. No credit check, no late fees. Payday loan alternative trusted by 12 million+ users. Get approved for a payday advance in minutes.
- Active bank account with regular income deposits
- No credit check required
- US resident
- Rate
- 5.49–17.99%
- Amount
- $4k–$100k
- Timing
- Same day
Chase offers auto financing for new and used vehicles with dealer partnerships and online pre-qualification.
- US resident
- Aged 18+
- Good credit history
- Rate
- 4.24–10.37%
- Amount
- $5k–$1000.0k
- Timing
- Check rate in minutes, no hard credit pull
Refinance federal and private student loans with rates starting at 4.49%. No fees. Unemployment protection included. Member benefits.
- US citizen or permanent resident
- Employed or have an offer starting within 90 days
- Bachelor degree or higher from eligible school
- Rate
- —
- Amount
- $2k–$250k
- Timing
- Same day (online decision)
Business lines of credit from $2,000 to $250,000. Apply in minutes, funds available fast. Revenue-based qualification.
- FICO score 660+
- Business at least 1 year old
- Average monthly revenue $3,000+
- Rate
- 7.99–24.99%
- Amount
- $2.5k–$40k
- Timing
- —
Personal loans from $2,500 to $40,000 with no origination fees. Fixed rates. Funds sent as early as next business day. Consolidation and home improvement.
- US citizen or permanent resident
- Age 18+
- Valid SSN
- Rate
- 100.0–200.0%
- Amount
- $50–$1.5k
- Timing
- Same day at stores
Payday loans, installment loans, and check cashing services at store locations across the US. Quick approval for emergency payday loan needs.
- Active bank account
- Government-issued ID
- Proof of income
- Rate
- 5.5–7.5%
- Amount
- $50k–$3M
- Timing
- Pre-approval in minutes, closing in 3 weeks
Streamlined mortgage refinance with no origination fees, no lender commissions. 100% online process with 3-week average closing time.
- Minimum credit score 620
- US property owner
- Proof of income and employment
- Rate
- 9.95–35.99%
- Amount
- $2k–$35k
- Timing
- —
Personal loans from $2,000 to $35,000 with APR from 9.95%-35.99%. Designed for borrowers with fair credit. Funds as soon as next business day.
- US resident
- Age 18+
- Valid SSN
- Rate
- —
- Amount
- $25–$500
- Timing
- 5 minutes
Payday advance app offering up to $500 in ExtraCash payday advances with no interest. Get approved in 5 minutes. No credit check required. Payday lending alternative.
- Dave Checking account
- Active bank account with income history
- No credit check
- Rate
- 4.14–17.99%
- Amount
- $500–$100k
- Timing
- Same day
Pentagon Federal Credit Union offers auto loans with rates as low as 4.14% APR, open to all.
- PenFed membership (open to all)
- US resident
- Aged 18+
- Rate
- 4.15–14.9%
- Amount
- $5k–$500k
- Timing
- Check rate in minutes with no impact on credit score
Refinance student loans with flexible repayment options and no fees. Choose your exact monthly payment or loan term. Skip a payment once per year.
- US citizen or permanent resident
- Bachelor degree from eligible institution
- Minimum credit score required
- Rate
- 7.74–35.49%
- Amount
- $5k–$100k
- Timing
- Same day funding available
Consolidate credit card debt into one fixed monthly payment with no origination fees, no prepayment penalties, and fast funding available. Borrow $5K to $100K.
- Minimum credit score 680
- US citizen or permanent resident
- Employed or have regular income
- Rate
- 36.0–199.0%
- Amount
- $50–$3k
- Timing
- Same day
Payday loans, installment loans, and flex lines of credit. Available online and at store locations nationwide. Quick payday loan approval for small unexpected expenses.
- Active bank account
- Verifiable income
- Age 18+
- Rate
- 6.875–7.148%
- Amount
- $50k–$3M
- Timing
- Online application, Rocket Logic verification speeds process
America's largest mortgage lender. Online application, verified approval in minutes. Purchase and refinance options. FHA, VA, and conventional.
- US citizen or permanent resident
- Valid employment and income documentation
- Minimum credit score applies
- Rate
- 60.0–199.0%
- Amount
- $500–$5k
- Timing
- Next business day
Online payday loan alternative offering installment loans from $500 to $5,000. Apply in minutes and get emergency cash as soon as the next business day. Payday lending alternative for borrowers who need fast emergency funds.
- Active bank account
- Verifiable income
- Age 18+
- Rate
- 5.24–18.0%
- Amount
- $500–$150k
- Timing
- Quick online pre-approval
Digital Federal Credit Union auto loan with rates from 5.24% APR. No application fees and flexible terms.
- US resident
- DCU membership (free to join)
- Valid SSN
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