Quick personal loans, funded fast
How we picked
When you need money quickly — a car repair, a medical bill, a contractor deposit — the lender's funding speed matters as much as the APR. Below are the lenders that publish same-day or next-business-day funding times for approved borrowers.
1
LightStream
Same-day if applied before 2:30pm ET
- Same-day funding
- No fees
- $5K – $100K
- Requires good credit
- No pre-qual offered
2
SoFi
Same-day or next business day
- No fees
- Member benefits
- Mobile app A+
- Higher minimum loan amount
- Excellent credit preferred
3
Upstart
Next business day after acceptance
- 99% next-day funded
- Min 600 FICO
- AI underwriting
- Origination fee
4
Best Egg
1-3 business days typical
- Up to $50K
- Min 640 FICO
- Direct deposit
- Origination fee 0.99-8.99%
5
Marcus by Goldman Sachs
1-4 business days
- No fees ever
- Defer-a-payment perk
- Trusted brand
- No same-day option
- Min 660 FICO
Bottom line
The right pick depends on your credit profile, timing, and how much you're borrowing. Run a soft-pull comparison through HawkLend to see which of these providers will actually approve you and at what rate — takes about two minutes, no impact to your credit.