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5 Best Cash Loans Online

money - cash

Lenders pay attention to a number of factors when approving loans, which is why the typical waiting time is long. However, there are ways to get your loan approved quickly – in less than 24 hours. It’s all about finding a reliable company offering quick cash loans.

We have made a list of some of the best lenders and platforms offering fast cash loans

Why Do People Need Fast Cash Loans Online?

There are a variety of reasons why someone may need money loan quick including:

Medical Emergency

A lot of people look for quick loans due to a medical emergency. It could be anything from medicines to hospital bills. Since these expenses can run into thousands and come without a warning, people don’t always have any other option.

Home Remodeling

A broken window, a damaged shingle, or a loose door are issues that need immediate intervention. Such problems require professional expertise and can be a little expensive to deal with. Hence, it is common for people to take out loans to cover these expenses as it is not always wise to wait for funds since the damage can spread and cause irreversible losses. 

Personal Expense

Some people look for quick loans to cover personal expenses such as a foreign trip. Some even take out loans to enjoy a nice dinner. America is used to debt and it is common for people to cover day to day expenses using this technique, however, it might not be a wise idea to take out loans for such expenses. Only apply for a loan when you really need money.

Debt Consolidation

It is surprisingly common for people to apply for a loan to clear other loans. Debt consolidation is a trick that makes loans easier and more affordable but only if you calculate it right. Otherwise, it could backfire and end up causing you serious losses.


People choose online loans as they are a lot easier and faster to apply for. You can do everything online and there’s no need to visit a physical band. Documents are uploaded virtually and acceptance and rejection are usually received within 24 hours. The ease is one of the major reasons why people are now ditching banks and traditional organizations and going for quick cash loans as they come without red tape.

Vehicle Repairs

Vehicle repairs can be costly especially if you do not have the right coverage. Hence, it makes sense to look for quick loans so you can get back on the road. Commuting without your car can be troublesome, which is why a large number of people look for quick loans online to cover these expenses.

There may also be some other reasons such as to cover your education expenses, wedding, and more. Such loans are quite in demand as they are usually not conditional and you have the option to spend anywhere. 

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5 Quick Cash Loans to Apply For

Here are some of the best companies offering fast cash loans online. 

LightStream – Perfect for Large Loans

LightStream is one of the top platforms offering fast cash loans. It is an online lender known for fast and reliable services and a low APR. The company offers a wide variety of loans starting as low as $5,000 and going as high as $100,000. This makes it a good option for borrowers looking to consolidate debt or cover large expenses.

  • Here are some of the main advantages of choosing LightStream:
  • The company offers low rates – currently around 5.73 percent but known to fluctuate
  • Loans are usually approved and funded in under 24 hours
  • The company charges no fee
  • The process is easy and straightforward
  • The company has a ‘rate beating’ policy
  • You must have a proven credit history to apply
  • Not suitable for people looking for a small loan

Since the minimum amount is $5,000, this may not be suitable for people interested in covering petty expenses. Also, you need a decent credit score to qualify.  Anything under 660 may get your application rejected. Also, the interest rate goes as high as 19.99 percent and you will get a good rate only if you have a good credit score.

One of the major highlights of LightStream is the rate beating policy. If you find a cheaper option with the same terms, the company will beat it by 0.1 percent if you meet all terms and conditions.

While these loans are easy, we must mention that they come with some restrictions. For example, they cannot be used to fund businesses or refinance certain loans.


Repayment terms can be anywhere between two to twelve years. Plus, the company offers excellent customer support and agents are friendly and informed. Since it’s an online lender, you will get a same day loan without having to go to a physical office.

US Bank – Best for Personal Loans

US Bank might not sound like a very good option but it does make it to the list thanks to being a reliable name with an impressive history. Traditional banks aren’t usually preferred by people looking for fast cash loans online but US Bank appears to be breaking the norms by offering same-day loans at competitive rates.

  • The company offers low rates – starting as low as 6.99 percent
  • Loans are usually funded in less than 24 hours
  • Has excellent customer support
  • You can apply online with ease
  • Offers secured and joint loans
  • There’s no option to pre-qualify
  • May not be suitable for debt consolidation

US Bank can be a great option for people interested in loans for personal use as the money is released without many restrictions. However, some applicants may have to visit a physical branch to start the process.

This is not a mandatory requirement as the process is online but the company may ask you to appear in person if they are not satisfied with your application, which could also delay the process. Things are usually straightforward for existing US Bank clients.

This is not a mandatory requirement as the process is online but the company may ask you to appear in person if they are not satisfied with your application, which could also delay the process. Things are usually straightforward for existing US Bank clients. 


The APR is in the range of 6.99 to 19.49 percent, making it more affordable than some other options. You must, however, meet stringent credit requirements to qualify. Applicants under 660 are usually rejected. Also, your maximum debt-to-income ratio must not be higher than 60 percent to qualify. However, since it offers joint loans, you could have someone with a better score apply with you.

The minimum amount is $1,000 and the maximum amount is $50,000. You can set up autopayments to enjoy a rate discount, however, remember that the company charges a late fee.

OneMain Financial – Fast Loans with Poor Credit

OneMain Financial has a lot going in its favor. It’s a well-known name known for catering to borrowers with low or poor credit scores. Headquartered in Evansville, Indiana, the company has offices all around the country but the process of applying for quick loans is online.

  • There are no minimum credit score requirements
  • Loans are usually funded in less than 24 hours
  • You can choose your own payment schedule
  • Offers secured and joint loans
  • The mobile app makes the process easier
  • The rate is very high
  • Charges a variety of fees

The estimated APR is between 18 to 35.99 percent, which makes it one of the most expensive options for fast loans in the US. You will find many companies offering a lower rate, however, OneMain Financial has a major pro – it doesn’t have stringent credit score requirements. Anyone can get approved if your documents are in place. Conversely, you will have to pay a hefty price if the score is low. You can, however, add a co-borrower or collateral to lower the rate.

In addition, the company charges origination fees but there are no prepayment fees or autopayment discounts. 


Loan terms can be between 2 and 5 years depending on factors such as your credit score and loan amount. The maximum amount is only $20,000 and the lowest amount is $1,500. We feel that this option is suitable for people looking for quick cash loans to meet small expenses.

Alliant – Affordable Loans for People with a Poor Credit Score

Not many people think of Alliant when they look for a money loan quick despite it being a provable name. Called Alliant Credit Union, it is a member-owned cooperative servicing retirees, members of specific organizations, employees, and their family members.

  • There are discounts
  • It doesn’t charge an origination or prepayment fee
  • There are no minimum credit score requirements
  • Loans are usually funded in less than 24 hours
  • You cannot pre-qualify
  • May not be suitable for debt consolidation

Alliant doesn’t get a lot of credit as loans are only given to members or qualifying individuals. On the positive side, it is easy to join the union due to easy requirements.

You can be a member if you meet at least one of these requirements:

While the company advertises ‘no credit score’ requirements, we have found that it often rejects applicants with a very poor score. You are more likely to get approved if you have a score of 600 or more.


The APR is in the range of 6.24-27.24 percent, which is in line with what most providers offer. The minimum loan amount is $1,000 and the maximum amount is $50,000. 

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MoneyMutual – Best for Multiple Options

MoneyMutual is different from other names on this list. It isn’t an issue but a platform that bridges the gap between lenders and borrowers. It is known for offering quick loans to people with a bad credit score.

  • Known for excellent customer support
  • There are no fees
  • Most loans are given within 24 hours
  • Reliable and safe to use
  • Operate in limited states
  • You may not be eligible for all loans

MoneyMutual is best for borrowers who don’t like traditional means. Here, you will come across a number of lenders – all with their own terms and conditions – offering loans. The toughest part here is choosing a lender as there may be several providers with similar conditions.


We must, however, mention that this platform isn’t suitable for large amounts as the maximum loan amount is capped at $5,000. The process is straightforward and can be completed in just a few minutes. 

Quick Cash Loans: Conclusion

These were some of the best names offering fast cash loans online. Compare these and pick a suitable option to get your money loan quick.

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