Written by: Anna Baluch
Edited by: Lillian Guevara-Castro
Reviewed by: Ashley Fricker
If you need money now, you’re in luck, because quite a few lenders can help — regardless of your credit score. Whether you’re facing an unexpected car repair, medical bill, or any other surprise expense, an online lender can approve you for a loan almost instantly. You’ll get the fast cash you need to get you through this financial roadblock.
Most online lenders can provide an approval decision in minutes and send the funds to a bank account within 24 hours. Below we’ll review six top-rated online lending networks as well as some other quick ways to earn cash. While each individual’s financial situation is unique, hopefully, those who need extra money fast will find a suitable solution through one of these loan providers or through our other tips.
Loans | Alternatives | FAQs
Best Need-Money-Now Loan Providers
Several lenders can come to the rescue immediately if you need money now. It’s important to consider all your options so you can make an informed decision for your specific budget and lifestyle needs.
1. MoneyMutual
- Short-term loans up to $5,000
- Online marketplace of lenders
- Funds available in as few as 24 hours
- Simple online form takes less than 5 minutes
- Trusted by more than 2 million customers
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| Up to $5,000 | Varies | Varies | See representative example |
MoneyMutual is an online marketplace that makes it easy for you to find the right need-money-now loan. You can be connected to lenders in MoneyMutual’s network in just five minutes after completing its online application.
You can get approved for up to $5,000 and receive the money via direct deposit in as little as 24 hours. Although you’ll need a minimum income of at least $800 to qualify, you can apply with bad credit. More than 2 million borrowers have used MoneyMutual to help them with their personal loan needs.
- Personal loans from $500 to $35,000
- All credit types are considered and welcome
- Simple, no credit impact form
- Helping consumers since 2001
- 4.7 out of 5 Trustpilot rating with 2,000+ reviews!
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $35,000 | 5.99% - 35.99% | 60 Days to 72 Months | See representative example |
24/7 Lending Group is a lender network that can approve you for an emergency loan you can repay over several years, otherwise known as an installment loan.
These loans can get you the emergency cash you need from a direct lender and are deposited into your checking or savings account within one business day.
3. CashUSA.com
- Loans from $500 to $10,000
- Receive a loan decision in minutes
- Get funds directly to your bank account
- Use the loan for any purpose
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $10,000 | 5.99% - 35.99% | 3 to 72 Months | See representative example |
If you need a larger loan of up to $10,000, CashUSA.com can help. When you fill out the online form, you can get connected to short-term lenders in its network that offer loans with terms from three to 72 months.
CashUSA.com does not charge an application fee to connect you to one of its lenders and offers multiple online resources to help you handle your debt and improve your financial situation. As long as you have a monthly income of $1,000 or more after taxes, you can qualify with a lender in CashUSA.com’s network and receive a loan decision in minutes, regardless of your credit score.
- Loans from $250 to $5,000
- Cash deposited directly into your account
- Get money as soon as tomorrow
- Bad credit OK
- More than 750,000 customers since 1998
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $250 to $5,000 | Varies | Varies | See representative example |
CreditLoan has connected more than 750,000 borrowers to lenders since 1998. Its loans range from $250 to $5,000 and you can get cash deposited into your account as soon as the next day.
In addition to connecting you with the right lender, CreditLoan offers lender reviews, banking reviews, interest rate calculators, mortgage information, and a variety of other financial resources.
- Loans from $500 to $10,000
- Get connected with a lender
- Simple form & quick funding
- Get your money as soon as next the business day, if approved
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $10,000 | 5.99% - 35.99% | 3 to 60 Months | See representative example |
Bad Credit Loans connects borrowers with poor credit to different loans from various lenders. You can expect a loan amount of anywhere between $500 and $10,000 with an interest rate of 5.99% to 35.99% and loan terms of three to 60 months.
To qualify for a loan from Bad Credit Loans, you must have a regular income, either from full-time employment, self-employment, or Social Security. If approved, you can get your money as soon as the next business day.
- Loans from $250 to $35,000
- Large lender network
- Fast loan decision
- Use the loan for any purpose
- Funding as soon as one business day, if approved
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $250 to $35,000 | 5.99% - 35.99% | 3 to 72 Months | See representative example |
PersonalLoans.com is an online loan marketplace that can help you find a loan of up to $35,000. Although good or excellent credit isn’t required, most of its lenders require you to be financially responsible. If you have no active or recent bankruptcies, patterns of late payments, or debt that can’t be covered by your current income, you can demonstrate that you are a responsible borrower.
PersonalLoans.com is available in every state and can get you the money you need as soon as one business day.
- Short-term loan of $100 to $1,000
- Large network of lenders
- Loan decision as fast as a few minutes
- Funding as soon as the next business day, if approved
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $100 to $1,000 | 200% - 2,290% | Varies | See representative example |
CashAdvance.com is a payday loan network that can connect you to a direct lender for a short-term loan of up to $1,000. The application takes just a few minutes, and you can receive your money by the next business day.
Payday loans generally welcome applicants with bad credit, but CashAdvance.com requires you to prove that you have an income of $1,000 a month after taxes and have been employed for at least 90 days. CashAdvance.com is not available in all states.
Alternative Ways to Make Money Now
If you need money now but don’t want to take out a loan, there are other ways you can get instant cash:
- Sell Stuff: Look around your home. Do you have books, clothing, electronics, kitchen appliances, and other belongings that you no longer want or need? If so, host a garage sale or list them for sale online on sites like Craigslist and Facebook Marketplace. You may be surprised to find that others will value items that don’t mean much to you.
- House/Pet/Babysit: People in your neighborhood are likely looking for someone to watch their house, pets, or children while they’re away. You can create a profile on a site like Care.com or post that you offer this type of service on your personal Facebook account or neighborhood Facebook groups to try to find these types of gigs.
- Freelance: Are you particularly good at writing, graphic design, proofreading, social media marketing, or another task? Why not pick up some freelance gigs so you can make some extra cash with your skills? You can find freelance gigs by setting up a profile on sites like Upwork.com and Freelancer.com or reaching out to local and national businesses that may benefit from your talent.
- Deliver Food: Food delivery has increased in popularity in recent years, so feel free to use it to your advantage. You can earn money quickly by delivering restaurant orders for a company like Uber Eats or groceries for a company like Shipt.
- Share Your Home: If you have a spare bedroom or basement that you don’t use, you can rent it out on a site like Airbnb. You can make even more money if you have an upcoming trip planned and find someone to rent out your entire home.
- Get a Part-Time Job: Whether it’s waiting tables at a restaurant, answering phones at a salon, or checking customers out at a department store, a part-time job can be a good way to earn consistent income for your emergency expense, even if it may take up to a month to get your first paycheck.
- Credit Card Cash Advance: If you have a credit card with an available credit limit — and whatever you need money for requires cash — you can get a quick cash advance at the nearest ATM, and there’s no credit check required.
With a bit of hard work and creativity, you can get the cash you need now without becoming a borrower.
How Can I Borrow Money Now?
You can borrow money now by taking out a loan. Many online marketplaces can connect you to a lender, even if you don’t have the best credit history.
As long as you can show proof of regular income, are at least 18 years of age, and have a valid checking account, they’ll likely be able to connect you to one — or several — lenders.
Online marketplaces can take the time and hassle out of performing your own research and comparing all the options available to you. All you have to do is fill out a short form with your personal and financial information.
You’ll then be connected to lenders that are willing to loan you money instantly. From there, you choose the loan offer with the best terms and you’ll be redirected to that lender’s website to finish the approval process.
In most cases, your loan will be funded within one day, so you can get the cash you need right away. It’s important to note that since these online marketplaces do not fund the loans themselves, you will work directly with the lender whose loan offer you select. The direct lender will provide you with the details of your cash loan, and you will work with them to set up a repayment schedule.
You are not obligated to accept any loan offers you receive. Therefore, it’s a good idea to carefully weigh all your options and the pros and cons of each one so you can make the right choice for your unique financial situation.
What If I Need Money Now But am Unemployed?
If you need money now but are unemployed because you recently lost your job, are a homemaker or stay-at-home parent, or are disabled or retired, rest assured — you may still be approved for a loan. Contrary to popular belief, loans are based on your income, not your employment status.
So, if you’re not currently working but can show you have the income you need to repay your loan, approval can be attainable. While they vary from lender to lender, each has income requirements you must meet to get approved for a loan.
For example, you’ll need a minimum income of at least $800 to qualify for a MoneyMutual loan. CashAdvance and CashUSA.com have minimum income requirements of $1,000. These minimum income requirements are based on your income after taxes.
If you don’t have a job, you can demonstrate that you meet these minimum income requirements through your spouse’s income, investment returns, retirement benefits such as Social Security or a 401k, or other forms of income such as unemployment benefits, alimony, or child support.
Keep in mind that if you are unemployed and get approved for a loan, your loan may come with a higher interest rate and shorter repayment period because the lender may determine you to be a riskier borrower than someone who has steady employment.
Getting a quick loan while you’re unemployed can be more difficult than if you do have a job, but it is certainly possible.
Which Loan Company Is Best For Bad Credit?
Fortunately, bad credit won’t necessarily stop you from getting approved for a loan. Even if your credit has taken a hit, a personal loan can be within reach to fund an unexpected expense. While it may not come with the best interest rate and most favorable terms, it can provide you with the quick cash you need.
There is no definitive answer to which loan company is the best for a bad credit history because everyone has a unique financial situation, debt tolerance, and lifestyle. While one lender may be a good fit for your friend, it may not make sense for you.
That said, our top-rated short-term lending network is MoneyMutual. But if you need more than $5,000, 24/7 Lending Group is a great choice for loans of up to $35,000, and consumers of all credit types are welcome to apply.
- Short-term loans up to $5,000
- Online marketplace of lenders
- Funds available in as few as 24 hours
- Simple online form takes less than 5 minutes
- Trusted by more than 2 million customers
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| Up to $5,000 | Varies | Varies | See representative example |
- Personal loans from $500 to $35,000
- All credit types are considered and welcome
- Simple, no credit impact form
- Helping consumers since 2001
- 4.7 out of 5 Trustpilot rating with 2,000+ reviews!
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $35,000 | 5.99% - 35.99% | 60 Days to 72 Months | See representative example |
It’s a good idea to apply with a lending network like the ones mentioned above so you can compare all the loan offers that may be available to you. If you receive several offers, look at the interest rates and terms of each one. Do the math and figure out how much you’ll pay over the life of each loan.
Ideally, you’d choose the loan that will cost you the least amount of money, but only you know how much you can afford to pay and what repayment plan will work best for you.
Although it may be tempting to choose the first loan company you find or the first offer you receive, doing your due diligence and exploring the various options available to you can save you hundreds or even thousands of dollars down the road.
Get Fast Funding With an Online Lending Network
An online lending network may be the key to getting fast cash-in-hand when you need money now. It can connect you to its network of lenders and help you select the ideal loan offer for your specific situation.
Even if you have bad credit, you can receive approval in just a few minutes and funding as soon as the next business day.
By taking advantage of an online lending network’s fast loans, you can take care of your defective brakes, child’s health, leaky water heater, or any other costly emergency that may come your way. Just be sure to use quick online loans with caution, as they are meant to be short-term fixes to your cash shortages, rather than long-term financial solutions.
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