{"id":37372,"date":"2019-11-01T09:45:49","date_gmt":"2019-11-01T17:45:49","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=37372"},"modified":"2023-11-17T07:16:55","modified_gmt":"2023-11-17T15:16:55","slug":"how-long-it-takes-to-get-a-personal-loan","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/personal-loan\/time-to-fund\/","title":{"rendered":"How Long Does It Take to Get a Personal Loan?"},"content":{"rendered":"<p>If you don\u2019t have the cash saved in the bank to cover a major cost, taking out a personal loan could be a good idea.<\/p>\n<p>It usually takes one and seven business days to get a personal loan \u2014 though this will depend on which type of lender you work with.<\/p>\n<p><b>Here\u2019s how long it typically takes to get a personal loan:<\/b><\/p>\n<ul>\n<li><a href=\"#online-lenders\"><b>Online lenders:<\/b><\/a> Less than 5 business days<\/li>\n<li><a href=\"#banks\"><b>Banks:<\/b><\/a> 1-7 business days<\/li>\n<li><a href=\"#credit-unions\"><b>Credit unions:<\/b><\/a> 1-7 business days<\/li>\n<li><a href=\"#payday-pawnshop-car-title-loans\"><b>Payday loans, pawn shop loans, and car title loans:<\/b><\/a> Can be same day<\/li>\n<li><strong><a href=\"#need-apply\">What you need to apply<\/a><\/strong><\/li>\n<\/ul>\n<p><a name=\"online-lenders\"><\/a><\/p>\n<h2>Online lenders: Less than 5 business days<\/h2>\n<p>If you need money quickly, an online lender could be a good option. The process to take out a loan takes place entirely online, making it convenient to get a personal loan. The application itself should only take a few minutes to complete, and you can expect to get a decision on your status within a couple of business days or more, depending on the lender.<\/p>\n<p>Some lenders send money even faster \u2014 for example, <a href=\"https:\/\/www.credible.com\/lenders\/lightstream\/\">Lightstream<\/a> might fund your loan as soon as the <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/same-day-loans\/\">same business day<\/a>.<\/p>\n<p>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 \u2014 you can compare your prequalified rates from our partner lenders in the table below in two minutes.<\/p>\n\n<table id=\"tablepress-1055\" class=\"tablepress tablepress-id-1055 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong> Lender <\/strong><\/th><th class=\"column-2\"><strong> Time to fund <\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Achieve<\/td><td class=\"column-2\">Within 24-72 hours if approved<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Avant<\/td><td class=\"column-2\">Next business day (if approved by 4:30 p.m. CT on a weekday)<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Axos Bank<\/td><td class=\"column-2\">Within 2 business days<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Best Egg<\/td><td class=\"column-2\">The next business day, but in most cases, 1 to 3 business days after verification<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Discover Personal Loans<\/td><td class=\"column-2\">As soon as next business-day after acceptance<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Happy Money<\/td><td class=\"column-2\">3 to 5 business days after verification<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Lending Club<\/td><td class=\"column-2\">A few business days<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">LendingPoint<\/td><td class=\"column-2\">Next business day<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">LightStream<\/td><td class=\"column-2\">Next business day (if approved by 2:30 p.m. EST)<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">One Main Financial<\/td><td class=\"column-2\">Same day after approval<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">PenFed Credit Union<\/td><td class=\"column-2\">Depending on the method (Direct Deposit, Check), as early as the next day.<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\">Prosper<\/td><td class=\"column-2\">1 to 3 business days<\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\">SoFi<\/td><td class=\"column-2\">Within a few business days<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td class=\"column-1\">Universal Credit<\/td><td class=\"column-2\">Within 1 day, once approved<\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\">Upgrade<\/td><td class=\"column-2\">Within 1 to 4 business days of clearing necessary verifications<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td class=\"column-1\">Upstart<\/td><td class=\"column-2\">Funds are sent within 1 business day, but availability of funds depends on the financial institution.<\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td class=\"column-1\">Zable<\/td><td class=\"column-2\">The very same day (if the request is approved before 3:30 p.m. ET on a business day).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>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.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> Many online lenders have strict credit and debt-to-income (DTI) ratio requirements.<\/p>\n<p>If you have less-stellar-credit or a significant amount of debt, you might not qualify for the lowest interest rates. <\/div><\/div>\n<p><b><i>Check Out: <\/i><\/b><\/p>\n<ul>\n<li><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/secured-personal-loans\/\"><i>Secured Personal Loans<\/i><\/a><\/li>\n<li><em><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/personal-loan-scams\/\">How to Check If a Personal Loan Company Is Legitimate<\/a><\/em><\/li>\n<\/ul>\n<p><a name=\"banks\"><\/a><\/p>\n<h2>Banks: 1-7 business days<\/h2>\n<p>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.<\/p>\n<p>Personal loans from banks typically take one to seven days to fund, depending on the bank and whether you have an account with them. For example, TD Bank funds your loan as soon as one business day.<\/p>\n<p>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.<\/p>\n<p>You might also qualify for interest rates discounts if you have an existing relationship with the bank.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind: <\/b>Several major banks don\u2019t issue personal loans, including Bank of America, Capital One, and Chase.<\/p>\n<p>If you do your banking with any of these institutions, you\u2019ll need to find another lender. <\/div><\/div>\n<p>Here are some popular banks that offer personal loans. Note that these lenders are not partnered with Credible, so you won\u2019t easily be able to compare your rates all at once.<\/p>\n\n<table id=\"tablepress-1056\" class=\"tablepress tablepress-id-1056 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong> Lender <\/strong><\/th><th class=\"column-2\"><strong> Time to fund <\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Citibank<\/td><td class=\"column-2\"><ul><li>Same business day for a Citi account<\/li><br \/>\n<li>Up to 2 business days for a non-Citi account <\/li><br \/>\n<li>Receive a check in 5 business days<\/li><\/ul><br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">U.S. Bank<\/td><td class=\"column-2\">Within 1 to 4 business days once the loan closes<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">TD Bank<\/td><td class=\"column-2\">1 business day<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/small-loans\/\"><i>Small Loans<\/i><\/a><\/p>\n<p><a name=\"credit-unions\"><\/a><\/p>\n<h2>Credit unions: 1-7 business days<\/h2>\n<p>As nonprofit organizations, <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/credit-union-loans\/\">credit unions<\/a> often offer lower interest rates than traditional banks. This could make them a good option for a personal loan.<\/p>\n<p>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.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> To get a personal loan through a credit union, you\u2019ll need to be a member of that credit union.<\/p>\n<p>Each credit union has its own set of membership eligibility requirements, so be sure to research which credit unions you might qualify to join.<\/div><\/div>\n<p>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.<\/p>\n<p>For example, Alliant Credit Union and Navy Federal Credit Union both typically deposit the money into your account the same day you\u2019re approved.<\/p>\n<p>Here are a few credit unions that offer personal loans. Note that these lenders are not partnered with Credible, so you won\u2019t easily be able to compare your rates all at once.<\/p>\n\n<table id=\"tablepress-1057\" class=\"tablepress tablepress-id-1057\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong> Lender <\/strong><\/th><th class=\"column-2\"><strong> Time to fund <\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Alliant Credit Union<\/td><td class=\"column-2\">Same-day deposit<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">First Tech Federal Credit Union<\/td><td class=\"column-2\">Funds are available the same business day if approved within 24 hours<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Navy Federal Credit Union<\/td><td class=\"column-2\">For most cases, same business day<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>You can visit <a href=\"https:\/\/www.mycreditunion.gov\/about-credit-unions\/credit-union-locator\">MyCreditUnion.gov<\/a> to find a credit union near you. <\/div><\/div>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/i-need-a-short-term-loan-what-are-my-options\/\"><i>Short-Term Loans<\/i><\/a><\/p>\n<p><a name=\"payday-pawnshop-car-title-loans\"><\/a><\/p>\n<h2>Payday loans, pawn shop loans, and car title loans: Can be same day<\/h2>\n<p>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. You could lose your collateral (such as a car) if you can\u2019t pay these loans back.<\/p>\n<p>Here are the average interest rates you can expect from these types of loans:<\/p>\n<ul>\n<li><b>Payday loans:<\/b> 300% to 500%<\/li>\n<li><b>Pawn shop loans:<\/b> 12% to 240% (or higher)<\/li>\n<li><b>Car title loans:<\/b> 300%<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Borrower beware: <\/b>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.<\/p>\n<p>Also keep in mind that these lenders that provide these types of loans can also be predatory in nature.<\/p>\n<p>A <a href=\"https:\/\/www.credible.com\/personal-loan\/where-should-i-get-payday-loans-online\">payday loan<\/a>, <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/pawn-shop-loans\/\">pawn shop loan<\/a>, or <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/car-title-loans\/\">car title loan<\/a> should be a last resort if you need quick cash. A <a href=\"https:\/\/www.credible.com\/blog\/yahoo\/same-day-loans-find-a-personal-loan-from-a-fast-lender-2\/\">same-day personal loan<\/a> or even a credit card could be a much less costly choice in the long run. <\/div><\/div>\n<p>If you\u2019re considering a personal loan, use our personal loan calculator below to estimate how much you\u2019ll pay for it over time.<\/p>\n<div class=\"calculator loan\">\n<div class=\"inputs container\">\n\n\t<p>Enter your loan information<span class=\"hidden-md-up\"> to calculate how much you could pay<\/span><\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-amount\">Loan amount<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the total amount borrowed<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-amount\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"number\" value=\"15000\" step=\"1000\" name=\"loan-amount\" id=\"loan-amount\" aria-label=\"Loan amount\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter your annual interest rate<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" value=\"18\" step=\".01\" min=\".01\" max=\"100\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n\t\t<span class=\"between\">or<\/span>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-term\">Loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-term\">\n  \t\t\t<input name=\"loan-term\" value=\"10\" step=\"1\" min=\"1\" max=\"50\" id=\"loan-term\" aria-label=\"Loan term\" type=\"number\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n\t<\/div>\n\t<\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Payment\n  \t<big>$<span class=\"total-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Interest\n  \t<big>$<span class=\"total-interest\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n  \tMonthly Payment\n  \t<big>$<span class=\"monthly-payment\"><\/span><\/big>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    With a\n    <strong>$<span class=\"output-loan-amount\"><\/span><\/strong>\n        loan, you will pay\n    <strong>$<span class=\"monthly-payment\"><\/span><\/strong>\n    monthly and a total of\n    <strong>$<span class=\"total-interest\"><\/span><\/strong>\n    in interest over the life of your loan. You will pay a total of\n    <strong>$<span class=\"total-payment\"><\/span><\/strong>\n    over the life of the\n    loan.\n  <\/p>\n\n  <hr \/>\n  <div class=\"cta\">\n    \n<p><strong>Need a personal loan?<\/strong><br \/>\nCompare rates without affecting your credit score. 100% free!<\/p>\n<p><a class=\"btn btn-lg btn-warning\" href=\"\/personal-loans\/borrower\">Check Personalized Rates<\/a><\/p>\n<p><small>Checking rates won&#8217;t affect your credit score.<\/small><\/p>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/cash-advance-online\/\"><i>Cash-Advance Loans<\/i><\/a><br \/>\n<a name=\"need-apply\"><\/a><\/p>\n<h2>What you need to apply for a loan<\/h2>\n<p>To ensure the application process goes as quickly as possible, it\u2019s a good idea to prepare ahead of time. Lenders will ask you for basic information, which often includes the following:<\/p>\n<ul>\n<li>Name<\/li>\n<li>Social Security number<\/li>\n<li>Address<\/li>\n<li>Phone number<\/li>\n<li>Proof of identity (such as a driver\u2019s license or passport)<\/li>\n<li>Annual income<\/li>\n<li>Proof of income (such as a pay stub or W-2 form)<\/li>\n<\/ul>\n<h3>How to qualify for a personal loan<\/h3>\n<p>You&#8217;ll qualify for a personal loan, you\u2019ll generally need at least good credit (670 and above). However, there are some lenders \u2014 such as <a href=\"https:\/\/www.credible.com\/lenders\/avant\/\">Avant<\/a> and <a href=\"https:\/\/www.credible.com\/lenders\/lendingpoint\/\">LendingPoint<\/a> \u2014 that are willing to work with borrowers who have poor or fair credit.<\/p>\n<p>Keep in mind that you\u2019ll need good to excellent credit to qualify for the best interest rates.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>If your credit score isn\u2019t ideal for lender requirements, having a creditworthy cosigner might help you qualify. A <a href=\"https:\/\/www.credible.com\/blog\/yahoo\/8-personal-loan-lenders-that-accept-cosigners\/\">cosigner<\/a> is someone with good or excellent credit who shares responsibility for the loan.<\/p>\n<p>Not all lenders allow cosigners, but some \u2014 such as <a href=\"https:\/\/www.credible.com\/lenders\/lending-club\/\">LendingClub<\/a> and <a href=\"https:\/\/www.credible.com\/lenders\/sofi\/\">SoFi<\/a> \u2014 do, which could improve your chances of getting approved. Even if you don\u2019t need a cosigner to qualify, having a cosigner might help you get a lower interest rate. <\/div><\/div>\n<p>Lenders also consider your debt-to-income ratio, the amount owed in debts compared to how much income you have. Borrowers with high DTI ratios are generally considered a greater risk because it means you probably won\u2019t be able to cover a new monthly payment.<\/p>\n<p>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.<\/p>\n<p>Plus, all of Credible\u2019s partner lenders are online, meaning the application and funding process will be quick and simple.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\">\n<p><span style=\"font-size: x-large;\"><strong>Ready to find your personal loan?<\/strong><\/span><br \/>\nCredible makes it easy to find the right loan for you.<\/p>\n<ul class=\"list--iconCheckmarkSolidCircle accent--isGreen\">\n<li>Free to use, no hidden fees<\/li>\n<li>One simple form, easy to fill out and your info is protected<\/li>\n<li>More options, pick the loan option that best fits your personal needs<\/li>\n<li>Here for you. Our team is here to help you reach your financial goals<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loan\">Find My Rate<\/a><br \/>\n<small>Checking rates won\u2019t affect your credit<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<p><em><strong>Learn More: <\/strong><\/em><\/p>\n<ul>\n<li><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/cosigner-personal-loan\/\"><i>Cosigned Personal Loans<\/i><\/a><\/li>\n<li><em><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/what-is-debt-to-income-ratio\/\">What Is Your Debt-to-Income Ratio? How to Calculate DTI<\/a><\/em><\/li>\n<\/ul>\n<p><em><a href=\"https:\/\/www.credible.com\/blog\/author\/jared-hughes\/\">Jared Hughes<\/a> has contributed to the reporting of this article.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you don\u2019t 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&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/personal-loan\/time-to-fund\/\">Continue reading<\/a><\/p>\n","protected":false},"author":28,"featured_media":37381,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[396],"tags":[1515],"class_list":["post-37372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan","tag-personal-loan-basics","how-long-it-takes-to-get-a-personal-loan","post_tag-personal-loan-basics"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Long Does It Take to Get a Personal Loan?<\/title>\n<meta name=\"description\" content=\"How long it takes to get a personal loan 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