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How Long It Takes to Get Approved and Get a Personal Loan

Online lenders are typically the fastest personal loan option — you might be able to get the money you need as soon as the same day you apply.

Kat Tretina Kat Tretina Edited by Ashley Harrison Updated October 14, 2021

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

If you don’t have the cash saved in the bank to cover a major cost, taking out a personal loan could be a good idea.

It usually takes one and seven business days to get a personal loan — though this will depend on which type of lender you work with.

Here’s how long it typically takes to get a personal loan:

  • Online lenders: Less than 5 business days
  • Banks: 1-7 business days
  • Credit unions: 1-7 business days
  • Payday loans, pawn shop loans, and car title loans: Can be same day

Online lenders: Less than 5 business days

If you need money quickly, an online lender could be a good option. You can often apply online within minutes and might even get an instant decision, depending on the lender. If you’re approved, you’ll typically get the funds within five business days.

Some lenders send money even faster — for example, Lightstream might fund your loan as soon as the same business day.

Be sure to consider as many lenders as possible before taking out a personal loan. This way, you can find the right loan for you. Credible makes this easy — you can compare your prequalified rates from our partner lenders in the table below in two minutes.

LenderFixed ratesLoan amountsTime to fund


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.99% - 35.99% APR $10,000 to $35,000If approved, funds sent within 24-72 hours†
  • Fixed APR: 7.99% - 35.99% APR
  • Min. credit score: Does not disclose
  • Loan amount: $7,500 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: If approved, funds sent within 24-72 hours†
  • Fees: Origination fee
  • Discounts: No
  • Eligibility: Available in all states except CO, CT, HI, KS, ND, NV, VT, WV, WI, and WY
  • Customer service: Phone
  • Soft credit check: Yes
  • Min. Income: None
  • Loan Uses: Debt consolidation, home improvement, wedding, travel, medical expenses, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
9.95% - 35.99% APR $2,000 to $35,000**As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
  • Fixed APR: 9.95% - 35.99% APR
  • Variable APR: N/A
  • Min. credit score: 550
  • Loan amount: $2,000 to $35,000**
  • Loan terms (years): 2, 3, 4, 5*
  • Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: Available in all states except HI, VT, MA, ME, NY, WV
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Loan servicer: Avant
  • Loan Uses: Debt consolidation, emergency expense, life event, home improvement, and other purposes
  • Min. Income: $1,200 monthly


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.99% - 15.19% APR $10,000 to $50,000Next business day
  • Fixed APR: 7.99% - 15.19% APR
  • Variable APR: N/A
  • Min. credit score: 740
  • Loan amount: $5,000 to $50,000
  • Loan terms (years): 3 to 6
  • Time to fund: Next business day
  • Fees: No prepayment penalty
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone
  • Soft credit check: Yes
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, home improvement, self-employment, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.99% - 35.99% APR $2,000 to $50,000As soon as 1 to 3 business days after successful verification
  • Fixed APR: 8.99% - 35.99% APR
  • Variable APR: N/A
  • Min. credit score: 600
  • Loan amount: $2,000 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 1 to 3 business days after successful verification
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except DC, IA, VT, and WV
  • Customer service: Phone
  • Soft credit check: Yes
  • Loan servicer: Best Egg and Blue Ridge Bank
  • Min. Income: None
  • Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
6.99% - 24.99% APR $2,500 to $35,000As soon as the next business day after acceptance
  • Fixed APR: 6.99% - 24.99% APR
  • Min. credit score: 660
  • Loan amount: $2,500 to $40,000
  • Loan terms (years): 3, 4, 5, 6, 7
  • Time to fund: As soon as the next business day after acceptance
  • Fees: Late fee
  • Discounts: None
  • Eligibility:  Available in all 50 states
  • Customer service: Phone
  • Soft credit check: Yes
  • Loan Uses: Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
10.5% - 29.99% APR $5,000 to $40,000As soon as 2 to 5 business days after verification
  • Fixed APR: 10.5% - 29.99% APR
  • Min. credit score: 640
  • Loan amount: $3,000 to $40,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 2 to 5 business days after verification
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except MA and NV
  • Customer service: Phone, email, chat
  • Soft credit check: Yes
  • Min. Income: $25,000
  • Loan Uses: Debt consolidation and credit card consolidation


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.3% - 35.89% APR $1,000 to $40,000Usually takes about 2 days†
  • Fixed APR: 8.3% - 35.89% APR
  • Min. credit score: 600
  • Loan amount: $1,000 to $40,000
  • Loan terms (years): 3, 5
  • Time to fund: Usually takes about 2 days†
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Loan servicer: LendingClub Bank
  • Min. Income: None
  • Loan Uses: Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.99% - 35.99% APR $2,000 to $36,500As soon as the next business day
  • Fixed APR: 7.99% - 35.99% APR
  • Min. credit score: 600
  • Loan amount: $2,000 to $36,500
  • Loan terms (years): 2, 3, 4, 5, 6
  • Time to fund: As soon as the next business day
  • Fees: Origination fee
  • Discounts: Autopay
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: $20,000
  • Loan Uses: Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.99% - 23.99% APR $5,000 to $100,000As soon as the same business day
  • Fixed APR: 5.99% - 23.99% APR
  • Min. credit score: 700
  • Loan amount: $5,000 to $100,000
  • Loan terms (years): 2, 3, 4, 5, 6, 7*
  • Time to fund: As soon as the same business day
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all states except VT
  • Customer service: Phone, email
  • Soft credit check: No
  • Loan servicer: LightStream
  • Min. Income: Does not disclose
  • Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
18.0% - 35.99% APR $1,500 to $20,000As soon as 1 to 2 business days after approval
  • Fixed APR: 18.0% - 35.99% APR
  • Min. credit score: None
  • Loan amount: $1,500 to $20,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 1 to 2 business days after approval
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Must have photo I.D. issued by U.S. federal, state or local government
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: Does not disclose


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.74% - 17.99% APR $600 to $50,000
(depending on loan term)
2 to 4 business days after verification
  • Fixed APR: 7.74% - 17.99% APR
  • Min. credit score: 700
  • Loan amount: $600 to $50,000*
  • Loan terms (years): 1, 2, 3, 4, 5
  • Time to fund: 2 to 4 business days after verification
  • Fees: None
  • Discounts: None
  • Eligibility: Does not disclose
  • Customer service: Phone, email
  • Soft credit check: No
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, home improvement, transportation, medical, dental, life events


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
6.99% - 35.99% APR $2,000 to $50,000As soon as one business day
  • Fixed APR: 6.99% - 35.99% APR
  • Min. credit score: 640
  • Loan amount: $2,000 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as one business day
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except IA, ND, WV
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: None
  • Loan Uses: Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.99% - 23.43% APR10 $5,000 to $100,0003 business days
  • Fixed APR: 8.99% - 23.43% APR10
  • Min. credit score: Does not disclose
  • Loan amount: $5,000 to $100,000
  • Loan terms (years): 2, 3, 4, 5, 6, 7
  • Time to fund: 3 business days
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all states except MS
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: Does not disclose
  • Loan Uses: Solely for personal, family, or household uses


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
11.69% - 35.93% APR7 $1,000 to $50,000Within one day, once approved9
  • Fixed APR: 11.69% - 35.93% APR7
  • Min. credit score: 560
  • Loan amount: $1,000 to $50,000
  • Loan terms: 3, 5, or 7 years 8
  • Time to fund: Within one day, once approved9
  • Loan types: Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: A U.S. citizen or permanent resident; not available in DC, IA
  • Customer service: Phone, email
  • Soft credit check: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.49% - 35.97% APR $1,000 to $50,000Within a day of clearing necessary verifications
  • Fixed APR: 8.49% - 35.97% APR
  • Min. credit score: 600
  • Loan amount: $1,000 to $50,000*
  • Loan terms (years): 2 to 7
  • Time to fund: Within a day of clearing necessary verifications
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: Available in all states except Washington, DC
  • Customer service: Email
  • Soft credit check: Yes
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, credit card refinancing, home improvement, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.4% - 35.99% APR4 $1,000 to $50,0005As soon as 1 - 3 business days6
  • Fixed APR: 5.4% - 35.99% APR4
  • Min. credit score: 580
  • Loan amount: $1,000 to $50,0005
  • Loan terms (years): 3, 5, or 7 years4
  • Time to fund: As soon as 1 - 3 business days6
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: $12,000
  • Loan Uses: Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes
Compare rates from these lenders without affecting your credit score. 100% free!

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All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | 10SoFi Disclosures | Read more about Rates and Terms

With online lenders, you can often apply for preapproval to check your rates before submitting a full application and undergoing a hard credit inquiry. This way, you can shop around before choosing a lender.

Keep in mind: Many online lenders have strict credit and debt-to-income (DTI) ratio requirements.

If you have less-stellar-credit or a significant amount of debt, you might not qualify for the lowest interest rates.

Check Out:

  • Secured Personal Loans
  • How to Check If a Personal Loan Company Is Legitimate

Banks: 1-7 business days

If you already have a checking or savings account with a bank, you might be interested in applying for a loan through that same institution.

Personal loans from banks typically take one to seven days to fund, depending on the bank and whether you have an account with them. Wells Fargo is one of the fastest personal loan issuers, disbursing funds often by the next business day.

Some banks allow you to apply online, while others require you to apply in person at a local branch. The lender will review your information, including your income and credit score, before making a decision on your loan application.

You might also qualify for interest rates discounts if you have an existing relationship with the bank.

Keep in mind: Several major banks don’t issue personal loans, including Bank of America, Capital One, and Chase.

If you do your banking with any of these institutions, you’ll need to find another lender.

Here are some popular banks that offer personal loans. Note that these lenders are not partnered with Credible, so you won’t easily be able to compare your rates all at once.

LenderRatesLoan amountsTime to fund
CitibankCheck with lender$2,000 to $30,000Check will be mailed within five business days
DiscoverCheck with lender$2,500 to $35,000As soon as the next business day after acceptance
HSBC BankCheck with lender$3,000 - $50,000
(depending on relationship with HSBC Bank)
As soon as the same or next business day
(depending on relationship with HSBC Bank)
TD BankCheck with lender$2,000 to $50,000As little as one business day
Wells FargoCheck with lender$3,000 to $100,000As soon as the next business day

Learn More: Small Loans

Credit unions: 1-7 business days

As nonprofit organizations, credit unions often offer lower interest rates than traditional banks. This could make them a good option for a personal loan.

Credit unions also sometimes have less stringent requirements, which means it might be easier to qualify for a personal loan through a credit union compared to other lenders.

Keep in mind: To get a personal loan through a credit union, you’ll need to be a member of that credit union.

Each credit union has its own set of membership eligibility requirements, so be sure to research which credit unions you might qualify to join.

Like banks, the disbursement time for a personal loan from a credit union can range from one to seven business days. However, there are some credit unions that are especially fast.

For example, Alliant Credit Union and Navy Federal Credit Union both typically deposit the money into your account the same day you’re approved.

Here are a few credit unions that offer personal loans. Note that these lenders are not partnered with Credible, so you won’t easily be able to compare your rates all at once.

LenderRatesLoan amountsTime to fund
Alliant Credit UnionCheck with lender$1,000 to $50,000Typically same-day deposit
First Tech Federal Credit UnionCheck with lender$500 to $50,000Same day your loan is approved for most applicants
Navy Federal Credit UnionCheck with lender$250 to $50,000
($30,000 minimum for home improvement loans)
Same-day funding in most cases
Tip: You can visit MyCreditUnion.gov to find a credit union near you.

Check Out: Short-Term Loans

Payday loans, pawn shop loans, and car title loans: Can be same day

If you need money as soon as possible, payday, pawn shop, or car title loan lenders can usually give you cash on the spot. But this convenience comes at a hefty price.

Here are the average interest rates you can expect from these types of loans:

  • Payday loans: 300% to 500%
  • Pawn shop loans: 12% to 240% (or higher)
  • Car title loans: 300%
Borrower beware: These astronomically high fees and interest rates could make it difficult to pay off your loan, causing you to end up further in debt as interest charges accrue.

Also keep in mind that these lenders that provide these types of loans can also be predatory in nature.

A payday loan, pawn shop loan, or car title loan should be a last resort if you need quick cash. A same-day personal loan or even a credit card could be a much less costly choice in the long run.

If you’re considering a personal loan, use our personal loan calculator below to estimate how much you’ll pay for it over time.

Enter your loan information to calculate how much you could pay

? Enter the total amount borrowed $
? Enter your annual interest rate %
or
? Enter the amount of time you have to repay your loan years
Total Payment $
Total Interest $
Monthly Payment $

With a $ loan, you will pay $ monthly and a total of $ in interest over the life of your loan. You will pay a total of $ over the life of the loan.


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Learn More: Cash-Advance Loans

What you need to apply for a loan

To ensure the application process goes as quickly as possible, it’s a good idea to prepare ahead of time. Lenders will ask you for basic information, which often includes the following:

  • Name
  • Social Security number
  • Address
  • Phone number
  • Proof of identity (such as a driver’s license or passport)
  • Annual income
  • Proof of income (such as a pay stub or W-2 form)

To qualify for a personal loan, you’ll generally need at least good credit. However, there are some lenders — such as Avant and LendingPoint — that are willing to work with borrowers who have poor or fair credit.

Keep in mind that you’ll need good to excellent credit to qualify for the best interest rates.

Tip: If your credit score doesn’t mean lender requirements, having a creditworthy cosigner might help you qualify. A cosigner is someone with good or excellent credit who shares responsibility for the loan.

Not all lenders allow cosigners, but some — such as LendingClub and SoFi — do, which could improve your chances of getting approved. Even if you don’t need a cosigner to qualify, having a cosigner might help you get a lower interest rate.

Learn More:

  • How to Get a Fast Personal Loan for Quick Cash
  • Cosigned Personal Loans

Getting a personal loan from an online lender is convenient

How long it takes to get a personal loan generally depends on which lender you choose. Choosing an online lender is often the fastest and easiest option — if you’re approved, you might get your funds as quickly as the same day you apply.

If you decide to take out a personal loan, be sure to consider as many lenders as possible to find the right loan for you. With Credible, you can easily compare your prequalified rates from multiple lenders in two minutes after filling out a single form.

Plus, all of Credible’s partner lenders are online, meaning the application and funding process will be quick and simple.

Ready to find your personal loan?
Credible makes it easy to find the right loan for you.

  • Free to use, no hidden fees
  • One simple form, easy to fill out and your info is protected
  • More options, pick the loan option that best fits your personal needs
  • Here for you. Our team is here to help you reach your financial goals

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About the author
Kat Tretina
Kat Tretina

Kat Tretina is a freelance writer who covers everything from student loans to personal loans to mortgages. Her work has appeared in publications like the Huffington Post, Money Magazine, MarketWatch, Business Insider, and more.

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Home » All » Personal Loans » How Long It Takes to Get Approved and Get a Personal Loan

Personal Loan Basics


  • Personal Loan Interest Rates
  • How to Get a Personal Loan
  • Qualify for a Personal Loan
  • Where to Get a Personal Loan
  • Time to Fund a Personal Loan
  • How to Get Out of Credit Card Debt

Personal Loan Amounts

  • Get a $5,000 Loan
  • Get a $10,000 Loan
  • Get a $20,000 Loan
  • Get a $50,000 Loan
  • Get a $100,000 Loan

Tools and Resources

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  • Get Personal Loan Rates
  • Current Personal Loan Rates
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  • Personal Loan Calculator
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