9 Best Places for Online Quick Loans

According to some statistics, only half of Americans have just less than three months’ worth of emergency savings in their bank account for emergencies. 

If you’re also in that boat but need instant cash, you can look for online quick loans.

These loans will be able to give you money instantly so that you can take care of any emergency and prevent any significant inconvenience. Keep reading to figure out where you can get a quick loan with no credit score or just a low one. 

1. FastLoanDirect

FastLoanDirect is one of the fastest places to get a loan in Florida. They can quickly connect you with the perfect place that would provide a loan.

They have helped thousands of Floridians each year, and you can find any loans between $100 and $35,000. They have a wide range of APR rates, and there is a 91-day minimum repayment term. However, you could get a 72-month repayment term if you need something longer. 

2. Upgrade

Upgrade will let you borrow as little as $1,000 with a low credit score. You may even get a lower rate if you have a cosigner on the application. 

You can apply without hurting your credit, and it’s available in almost every state. 

The maximum repayment terms are also long, so if you can’t pay it back right away, you can take some time to generate the money. 

There will be a small origination fee, but you’ll also be able to qualify for a low APR if you have a good credit score. 

This is easily accessible for borrowers with poor credit, including a low minimum credit score required to qualify. 

You can get the entire loan in one business day. You can apply for a loan on their website or a mobile app. 

3. LightStream

LightStream gives you same-day loans along with a low APR. There are $0 origination fees, and there are large loan sizes and more extended repayment periods. 

If you have a low credit score, this would be an excellent option. You can often get approved on the same day or within two business days. 

They have different loan sizes, but you can apply for anything from $5,000 to $100,000. 

4. Upstart

Upstart is a lending platform that uses a different way to approve loans for people who have bad credit. This platform uses artificial intelligence rather than humans approving applications. 

Former employees of Google founded this, and they leverage AI to reduce any risks when it comes to lending and costs with banking partners. This lender provides unsecured personal loans from $1,000 to $50,000. 

You can even get next-day funding. Most users will have their application accepted and funding the next day if you apply sometime throughout the business week. 

However, if you’re applying for a loan for educational reasons, then you’ll need to have a waiting period of three business days because of federal law. 

You also don’t need any credit history to apply. However, if you have no credit history or poor history, your loan interest will probably be more expensive.

5. Alliant Credit Union

Alliant Credit Union is the best credit union if you want a same-day loan. They have low APRs, and you can get up to $50,000 in funding. 

Anyone can join this union for free just by being a Foster Care to Success member. The credit union will even pay the membership for you. 

The repayment method can be as long as sixty months. 

6. RocketLoans

RocketLoans will offer personal loans to any qualified borrower in every state in the country. These loans are outstanding for people who have fair or excellent credit scores.

You could borrow up to $45,000 for home improvements, medical expenses, businesses, other expenses, or debt consolidation. They don’t disclose what the minimum credit card score is required, but if you have anything below a 620, you may not be approved.

However, if you’re approved, you can get same-day funding. You can take out a loan with terms between 36 and 60 months. 

7. Avant

Avant can help you consolidate your debt and pay them down with a monthly payment. They offer next-day funding, and you can qualify if you have a score of 580 or higher.

The maximum amount of a loan you can take out is $350,000. There is also a high APR, ranging from 9 to 36%. You’ll also have to pay a one-time registration fee for your loan, so you’ll want to keep that in mind, so you take out enough to cover your costs. 

They have different terms ranging from 24 to 60 months. 

8. Wells Fargo

Wells Fargo is the best option if you need a large loan quickly. These loans range from $3,000 to $100,000. Wells Fargo doesn’t charge origination fees for the loans, and they offer you a payoff period anywhere between 12 to 84 months. 

You’ll generally get these funds between two to four business days. While they haven’t advertised the minimum credit score for these loans, some people have said they need at least a 660 credit score. 

9. LendingUSA

LendingUSA started in 2015, and initially, it was a solution for merchants. It can provide financing for merchant partners in different industries, making it great for anyone running a business. 

This is a great option because getting preapproved through this lender won’t impact your credit score. 

In most cases, you can repay your loans within six months without having to pay any interest.

Discover More of the Best Places for Online Quick Loans

These are only a few of the top places for online quick loans, but there are many other places where you can apply for loans. 

If you need help discovering where to find the quickest loans, check out FastLoanDirect.

We can direct you to the quickest loans where you can get funding the next day, so make sure you check out our website.