Emergencies don’t wait — and when you need cash fast, traditional loans can be too slow. Fortunately, in 2025 , several loan apps in the U.S. offer same-day personal loan cash, helping you manage unexpected expenses like medical bills, urgent travel, car repairs, or temporary cash shortfalls.
In this post, we’ve listed 7 trusted personal loan apps that offer same-day funding (or close to it) with easy application processes, minimal paperwork, and fast approval.
1. Upstart
Best for: Same-day personal loans for borrowers with fair or limited credit
How it works:
Upstart uses AI-based underwriting, meaning even applicants with thin credit history can qualify. You can borrow from $1,000 to $50,000, and many approved applicants receive same-day funding, especially if approved early in the day.
Highlights:
No minimum credit history required
Funds available as fast as 24 hours
Rates from 6.5% APR (depending on credit and income)
Requirements:
U.S. citizen or permanent resident
Stable income
Minimum FICO score of 580
2. SoFi
Best for: Large personal loans with added financial benefits
How it works:
SoFi offers unsecured personal loans from $5,000 to $100,000, and in many cases, same-day funding is possible for eligible borrowers. Their app allows for fast applications, and there are no fees — no origination, prepayment, or late fees.
Highlights:
Same-day funding available
Competitive interest rates
Offers unemployment protection and career support
Requirements:
Good credit (typically 680+)
Proof of income and identity
3. Avant
Best for: Borrowers with low to average credit
How it works:
Avant provides personal loans from $2,000 to $35,000, and funding often happens the same day after approval. They cater to borrowers with credit scores starting at 580, making it accessible to many.
Highlights:
Same-day or next-business-day funding
Quick approval and simple mobile app
Great for people rebuilding credit
Requirements:
Valid U.S. bank account
Proof of regular income
4. LendingPoint
Best for: Fast funding for fair credit borrowers
How it works:
LendingPoint offers personal loans up to $36,500, and many borrowers receive their money the same day they are approved. Their app focuses on speed and transparency and is ideal for mid-tier credit holders.
Highlights:
Funding in hours, not days
FICO score of 600+ accepted
Soft credit check for pre-qualification
Requirements:
Minimum annual income of $35,000
U.S. resident, valid bank account
5. LightStream (by Truist Bank)
Best for: Excellent credit borrowers who want same-day large loans
How it works:
LightStream offers high-limit personal loans up to $100,000 with low interest rates. If you apply, are approved, and complete the verification early in the day, same-day funding is often possible. They guarantee to beat any competitor’s rate by 0.10%.
Highlights:
Same-day deposit available
No fees of any kind
Great for home improvements, medical needs, or consolidations
Requirements:
Good to excellent credit
Strong credit history and income
6. NetCredit
Best for: Fast personal loans with bad credit options
How it works:
NetCredit offers personal loans and lines of credit up to $10,000, with a focus on speed and flexibility. If approved early in the day, funds may arrive the same business day. It’s ideal for borrowers with lower credit scores.
Highlights:
Fast approval process
Same-day deposit possible
No hard credit check for initial quote
Requirements:
Valid checking account
Monthly income (proof required)
7. OneMain Financial
Best for: In-person assistance with same-day funding
How it works:
OneMain Financial offers personal loans from $1,500 to $20,000, and unlike most other online-only lenders, it has physical branches in many states. After completing the process (including ID and income verification), you can receive your loan the same day via direct deposit or check.
Highlights:
Same-day funding in many cases
Accepts lower credit scores
Personalized service through local offices
Requirements:
U.S. ID and proof of income
Possibly a co-signer or collateral for secured loans
Final Thoughts
When time is critical, these 7 loan apps and platforms provide fast, secure, and reliable access to same-day personal loan cash across the U.S. in 2025. Before applying, always compare interest rates, repayment terms, and fees. Also, ensure you borrow only what you need and can afford to repay comfortably.
If you're unsure which app suits your credit score and income, check out our loan matching tool (coming soon) at RankingLoans.com to find the best personal loan options based on your profile.