Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Scores based on editorial review methodology
Best for: This service is best for individuals with a regular income who require a small cash infusion quickly.
APR
—
Amount
$50–$250
Term
1–1mo
Speed
Minutes
Brigit is a cash advance solution, ideal for those needing urgent funds without the burden of credit checks.
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Best for: This product is ideal for homeowners looking for quick access to funds for home improvements, debt consolidation, or other major expenses.
APR
6.65–15.0%
Amount
$15k–$400k
Term
60–360mo
Figure's HELOC offers a fast, online application process with competitive rates, but potential borrowers should consider the implications of variable rates.
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Best for: This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.
APR
7.74–35.49%
Amount
$5k–$100k
Term
24–84mo
Speed
Same day funding available
SoFi offers a approach to debt consolidation with and flexible terms.
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Best for: This service is best for individuals with good credit seeking to consolidate their student loans without additional fees and with added member benefits.
APR
4.24–10.37%
Amount
$5k–$500k
Term
60–240mo
SoFi offers competitive refinancing rates and flexible loan terms, making it a strong choice for borrowers looking to manage their student debt effectively.
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Best for: This service is best for borrowers with a minimum credit score of 580 who are looking to refinance their auto loans and save money.
APR
4.67–21.99%
Amount
$5k–$100k
Term
24–84mo
Speed
Minutes (online decision)
Autopay offers competitive auto refinancing options with a quick application process, making it a viable choice for those looking to save on monthly payments.
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Best for: This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.
APR
7.74–35.99%
Amount
$1k–$50k
Term
24–84mo
Speed
1 business day
Upgrade Personal Loans offers flexible borrowing with competitive rates, but be mindful of potential high APRs for lower credit scores.
Check rates→Best for: This service is best for individuals needing immediate cash with minimal documentation.
APR
100.0–200.0%
Amount
$50–$1.5k
Term
1–6mo
Speed
Same day at stores
LendNation provides fast access to funds but comes with high APRs, making it suitable for short-term financial emergencies.
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Best for: This product is best for small businesses looking for immediate access to funds without extensive paperwork. It's particularly suitable for those with a revenue-based qualification process.
APR
—
Amount
$2k–$250k
Term
1–18mo
Speed
Same day (online decision)
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.
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Best for: Ideal for individuals with a steady income who may not qualify for traditional loans, seeking a simple and fast cash advance.
APR
—
Amount
$25–$500
Term
1–1mo
Speed
5 minutes
Dave ExtraCash provides a quick and accessible cash advance solution without interest, ppealing for those in need of immediate funds.
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Best for: This option is best for borrowers who want to access up to 95% of their home value quickly and easily through a digital process.
APR
8.5–11.5%
Amount
$25k–$500k
Term
60–360mo
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.
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Best for: This loan is ideal for fair-credit borrowers looking to manage multiple debts with .
APR
7.74–35.99%
Amount
$1k–$50k
Term
24–84mo
Speed
Next business day funding
Upgrade's debt consolidation loan offers flexible terms and rate discounts, viable choice for many borrowers.
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Best for: These loans are ideal for undergraduate, graduate, and career training students looking for varied repayment options.
APR
2.99–16.38%
Amount
$1k–$200k
Term
60–180mo
Sallie Mae offers a flexible range of private student loans with competitive rates, making it a solid choice for many borrowers.
Check rates→Best for: This loan is best for military personnel and their families who are looking for low-interest rates on vehicle financing.
APR
3.89–18.24%
Amount
$250–$100k
Term
12–96mo
Speed
Same day
Navy Federal's auto loan rates are among the lowest available, making it a strong choice for eligible borrowers.
Check rates→Best for: This service is best for those needing immediate cash for unexpected expenses and who can repay quickly.
APR
99.0–199.0%
Amount
$100–$2k
Term
≤6mo
Speed
Same day
ACE Cash Express offers quick access to cash but comes with high APRs, costly option for borrowers.
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Best for: This HELOC is best for borrowers seeking a no-closing-cost option and who prefer interest-only payments during the draw period.
APR
5.99–7.5%
Amount
$10k–$500k
Term
120–240mo
The Bethpage Federal Credit Union HELOC offers competitive rates and flexibility, making it a viable option for homeowners looking to tap into their equity.
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Best for: Best for borrowers with a credit score of at least 600 seeking fast approval and funding.
APR
5.96–35.99%
Amount
$1k–$40k
Term
24–60mo
Speed
Approved in as little as 1 hour, funded next business day
This loan is a quick solution for those needing to consolidate debt and pay off credit cards efficiently.
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Best for: This service is best for individuals with good credit looking for customizable repayment plans and the option to skip payments once a year.
APR
4.15–14.9%
Amount
$5k–$500k
Term
—
Earnest offers flexible student loan refinancing options without fees, making it a solid choice for borrowers seeking control over their repayment terms.
Check rates→Best for: These loans are best for borrowers with good credit who want quick access to funds for purchasing a vehicle.
APR
5.49–19.99%
Amount
$5k–$100k
Term
12–72mo
Speed
Same day
Wells Fargo Auto Loans are a solid option for existing customers looking for lower rates, but new borrowers may face higher APRs.
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Best for: This service is best for borrowers needing fast funds without the hefty fees of traditional payday loans.
APR
60.0–199.0%
Amount
$500–$5k
Term
4–26mo
Speed
Next business day
RISE Credit is for those seeking quick emergency cash, but be wary of high APRs.
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