Comparing 5 offers. Updated June 2, 2026.
Upstart uses AI to look beyond the credit score, approving borrowers other lenders reject and offering loans from $1,000 to $50,000.
Avant offers personal loans designed for fair-credit borrowers, with fast funding and a streamlined mobile-first application process.
OneMain Financial offers secured and unsecured personal loans up to $20,000, accepting bad credit and even no credit history.
Rocket Loans, part of the Rocket Companies family, offers fast online personal loans up to $45,000 with same-day funding for qualified borrowers.
OppLoans is a fintech offering installment loans to consumers with no or poor credit, with rates lower than payday loans but still triple-digit APR.
Quick loans are personal loans with minimal documentation and same-day or next-day funding. They suit unexpected expenses, urgent car or home repairs, or short-term cash needs before your next paycheck.
The fastest funding in the US is typically from SoFi, Upstart, Avant, Discover, and OneMain Financial. SoFi and Discover can fund the same day, while Upstart and Avant fund the next business day.
SoFi and Discover can fund the same day for approved customers. Upstart, Best Egg, and Avant typically deposit funds the next business day. OneMain Financial can issue a same-day check from any of its US branches if you apply in person.
Not necessarily. Upstart accepts FICO scores as low as 300 using AI-based underwriting. Avant works with scores from 580, and OneMain has no minimum FICO requirement. APRs are higher for fair credit, typically 18 to 36 percent.
Most online lenders require government-issued ID, proof of address, proof of income (W-2, pay stubs, or bank statements), and your Social Security Number for identity verification. Pre-qualification does not require document upload.
Reputable lenders always perform some form of credit check, either soft (for pre-qualification) or hard (for final approval). Lenders advertising "no credit check" are typically payday lenders with APRs above 300 percent and should be avoided.