Last updated: 2026-10-17

Getting quick cash is tough when your credit score is low. Most big banks won’t even look at you without a high score and a long waiting period. If you’re hunting for emergency funds, you probably need a lender that cares more about your current income and recent stability than a perfect FICO number.

Before you commit, keep an eye on two things: how fast you get the money and what it actually costs you to borrow it. Some lenders can get funds to you the same day, while others might take a few business days. It’s also smart to check if applying will ding your credit score before you hand over your personal info.

How We Evaluated These Lenders

We looked at eight different providers to see who actually delivers fast decisions and quick funding. We focused on lenders that work with people who have poor or even no credit history. Our main metrics were funding speed, how much you can borrow, and whether the application process messes with your credit score.

We also checked to see if they’re upfront about their terms. A decent lender shouldn’t hide their requirements or whether they use a soft or hard credit pull during your first inquiry. Here is a summary of the main details for each provider based on what they’re currently offering.

Lender	Loan Amount Range	Speed of Funding	Credit Impact of Inquiry
59 Cash	$500–$50k	Same day decisions	No impact
OppLoans	see site	Same-day funding available	Does not affect FICO score
Avant	$2,000 – $35,000	Fast decision	see site
Max Cash	$250 – $10,000+	In minutes	Free inquiry
OneMain Financial	$1,500 – $30,000	As soon as 1 hour after signing	No credit score impact
Upgrade	see site	Fast funding	Won’t impact credit score
Best Egg	up to $50,000	see site	see site
Prosper	$2,000 – $50,000	Fast funding	No impact to your credit

1. 59 Cash

59 Cash is a comparison service. Instead of one lender, it connects you to a network of licensed providers. This is great if you want to see a few different options at once without filling out a bunch of separate applications. They say you can get a decision the same day you ask.

The application takes about two minutes and shouldn’t touch your credit score. If you’re looking for same day personal loans, this lets you compare rates and terms side by side. They cover everything from $500 up to $50,000.

Pros:

• No obligation to accept any offers
• Checking rates doesn’t affect your credit score
• Lots of different loan amounts

Cons:

• You’re being matched with multiple lenders instead of getting a loan directly from one source

2. OppLoans

OppLoans targets people who’ve been rejected by traditional banks. They look at more than just your FICO score, which is helpful if your credit history is rough.

The application is quick and you’ll often have a decision in minutes. If you’re approved, the money can show up in your account as soon as that same business day. They don’t use hidden fees and won’t affect your FICO score during the application.

Pros:

• Same-day funding is an option
• Checking your status won’t hurt your FICO score
• They look at more than just your score

Cons:

• They don’t list all the specific terms on their main page

3. Avant

Avant offers loans and credit cards meant to help with financial progress. You can use their installment loans for debt consolidation, emergencies, or home projects. They offer amounts between $2,000 and $35,000.

It’s a simple three-step setup: apply online, get a quick decision, and get your money. It’s built for anyone who needs an answer fast without a lot of hoops to jump through.

Pros:

• Easy three-step application
• Specific loans for specific needs
• Quick decision turnaround

Cons:

• The minimum loan is $2,000

4. Max Cash

Max Cash is a bit of a one-stop shop. You can get personal loans, installment loans, or even title loans here. Their range is wide, starting with small $250 advances and going up to $10,000 or more.

You can do a free inquiry without any obligation to actually take a loan. Since they do title loans and cash advances, they might be a more aggressive choice for people with very limited credit options.

Pros:

• Low minimum of $250
• Multiple product types like title loans
• Inquiry is free

Cons:

• Some of the products, like title loans, can be much more expensive

5. OneMain Financial

OneMain Financial is a more traditional lender. You can apply online or just go to one of their 1,300 physical branches. They offer loans from $1,500 to $30,000 with fixed monthly payments.

If you’ve already received a mailed offer, you could have your money as soon as an hour after you sign. That’s about as fast as it gets for a company with actual branches. They offer terms between 24 and 60 months.

Pros:

• Very fast funding (sometimes 1 hour)
• Physical branches if you prefer in-person help
• Fixed monthly payments

Cons:

• The minimum loan is $1,500

6. Upgrade

Upgrade provides personal loans up to $50,000 with fixed rates. Many people use them to pay off credit cards, consolidate debt, or cover a big purchase. You can check your rate for free without it hurting your credit score.

They also have a checking account with cash back and high-yield savings. They’re more of a full-service financial provider than some of the lenders who only do single loans.

Pros:

• Checking rates won’t impact your credit score
• High limit of $50,000
• Offers checking and savings too

Cons:

• You have to check your specific rates to see the actual terms

7. Best Egg

Best Egg is about getting funds up to $50,000 with fixed interest rates. They have a direct pay option to help you clear debt faster, and they even have a homeowner discount if you qualify.

They have a high BBB rating and focus on a more personal approach. They use your info to find options through their network of lenders.

Pros:

• High BBB rating
• Discounts for homeowners
• Direct pay for debt

Cons:

• They often use a network of lenders rather than lending directly themselves

8. Prosper

Prosper is a peer-to-peer platform where you can get loans between $2,000 and $50,000. They recently added 6-year terms to give people more time to pay things back. They also have credit cards and investment tools.

The application is fast, you can see a rate in about a minute without hurting your credit. They have good reviews on most consumer sites for their personal loans.

Pros:

• 6-year term options
• Fast rate checking
• Good customer reviews

Cons:

• The minimum loan is $2,000

How to Choose a Loan

When you’re looking for emergency cash, watch the APR. A loan that arrives today isn’t helpful if the monthly payments are impossible to make. Also, always check if the lender uses a “soft” credit pull for the quote; a “hard” pull will stay on your report.

Don’t use lenders that hide their fees. According to LendingTree, some lenders will give you a same-day loan even if your score is around 550. Just keep in mind that lower scores usually mean much higher interest rates. Always look at the total amount you’ll pay back before you sign anything.