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.
Alliant Credit Union
Alliant Credit Union offers competitive personal loans with flexible terms and no origination fees, making them a solid option for borrowers.
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.
Figure
Figure's HELOC offers a fast, online application process with competitive rates, but potential borrowers should consider the implications of variable rates.
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.
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.
Wells Fargo
Wells Fargo Auto Loans are a solid option for existing customers looking for lower rates, but new borrowers may face higher APRs.
SoFi
SoFi offers a flexible and competitive personal loan option, especially for those with good credit. Its no-fee structure and unemployment protection are noteworthy advantages.
Earnest
Earnest offers flexible student loan refinancing options without fees, making it a solid choice for borrowers seeking control over their repayment terms.
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.
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.
Achieve
Best for joint applicants seeking lower rates.
Ally Financial
Ally Auto Finance offers a broad range of loan amounts and competitive APRs, making it a solid choice for many borrowers.
Achieve
Achieve Personal Loans offers competitive rates and a streamlined process for debt consolidation, making it a viable option for qualified borrowers.
Sallie Mae
Sallie Mae offers a flexible range of private student loans with competitive rates, making it a solid choice for many borrowers.
FourLeaf Federal Credit Union
The Bethpage Federal Credit Union HELOC offers competitive rates and flexibility, making it a viable option for homeowners looking to tap into their equity.
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.
Upgrade
Upgrade's debt consolidation loan offers flexible terms and rate discounts, viable choice for many borrowers.
myAutoloan
With rates as low as 3.99%, myAutoloan offers for borrowers looking to compare multiple lenders quickly. However, be aware of the maximum APR of 24.99%, which can be steep for those with lower credit scores.
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.
Rocket Loans offers debt consolidation with same-day funding. APRs range from 9.116% to 29.99%, but watch out for high rates if your credit score isn't perfect.
Explore the best payday and emergency loans available this October, comparing rates from 36% to 249% APR, and uncover which option suits your financial needs.
Compare CashNetUSA and ACE Cash Express across rates, approval speed, and fees to find the best payday loan option for your needs.