Emergency loan options
Fast approval offers with same-day funding where available.
- Amounts
- $1k–$25k
- Terms
- 12–60 mo
Rate dashboard
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Fast approval offers with same-day funding where available.
Compare offers designed to simplify multiple balances into one payment.
Find lenders with clear term ranges before you start your project.
Splash Financial
Splash Financial aggregates offers from multiple refinance lenders, so you can compare rates with one application. Strong for borrowers who want to shop efficiently.
Better Mortgage
Better Mortgage offers a streamlined refinancing process with competitive features. However, potential borrowers should verify terms carefully.
Carvana
Carvana Auto Finance provides a online experience for purchasing vehicles, especially appealing for those with varied credit histories. However, the high APR range of 6.9% to 27.9% can make it costly for borrowers with less favorable credit.
Citizens Bank
Citizens Personal Loans offer a flexible borrowing range with competitive rates and no origination fees. However, borrowers should weigh the potential downsides before applying.
Oportun
The most accessible entry point for immigrants without an SSN or credit history. Oportun accepts ITIN and passport identification with no minimum credit score requirement. The trade-off is a high APR (35.95-35.99%) and smaller loan amounts.
BlueVine
BlueVine’s Business Line of Credit is ideal for established businesses needing quick access to funds, but the $120,000 annual revenue requirement may exclude newer ventures.
Wells Fargo
Wells Fargo offers some of the highest loan amounts ($100K) and lowest APRs (5.74%) for debt consolidation — but the best rates are reserved for existing customers with strong credit.
Sallie Mae
Sallie Mae offers a flexible range of private student loans with competitive rates, making it a solid choice for many borrowers.
Spring EQ
Spring EQ offers competitive home equity loans and HELOCs with flexible borrowing options, making it a solid choice for homeowners looking to leverage their equity.
Capital One
Capital One Auto Finance offers a user-friendly pre-qualification process that won't affect your credit score, making it prospective car buyers. However, be aware that their APR can reach up to 14.99%, which may be high for some.
Achieve
Achieve Personal Loans offers competitive rates and a streamlined process for debt consolidation, making it a viable option for qualified borrowers.
American Express
Kabbage offers a quick and flexible line of credit for small businesses, with fast funding options. However, borrowers should be aware of the potential costs associated with the monthly fee model.
Rocket Loans
Rocket Loans (Rocket Companies) excels at speed — same-day funding if approved before 1 PM ET. Competitive for borrowers who need quick access to consolidation funds.
Citizens Bank
Citizens Bank is one of the few top-20 banks offering competitive student loan refinancing. Loyalty discount (0.25%) for existing customers and one of the highest max amounts ($500K).
Figure
Figure's HELOC offers a fast, online application process with competitive rates, but potential borrowers should consider the implications of variable rates.
Ally Financial
Ally Auto Finance offers a broad range of loan amounts and competitive APRs, making it a solid choice for many borrowers.
LightStream
LightStream offers competitive personal loan rates with flexible amounts and terms, making it a strong choice for those with excellent credit.
OnDeck
OnDeck's fast quick approval is a major advantage for urgent funding needs, but the high minimum APR of 29.9% can make this loan costly for long-term borrowing.
LendingClub
This loan is a quick solution for those needing to consolidate debt and pay off credit cards efficiently.
CommonBond
CommonBond combines competitive refinance rates with a social mission — each loan funds education for a student in need. Rates start at 4.44% for well-qualified borrowers.
PenFed advertises rates from 6.39% with autopay, loans up to $50,000, and 60-month terms—but fees and eligibility need scrutiny.
Achieve advertises rates from 6.25% APR and funding in 24–72 hours, but the page leaves key fees and eligibility rules unanswered.
Payoff offers $5,000–$50,000 for credit card debt, but advertised rates and eligibility rules make the lowest APR hard to reach.