Quick Loans
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Applying does NOT affect your FICO® credit score!

Get Quick Cash for Urgent Needs

It’s impossible to foresee emergencies, but when they arise you must deal with them definitively. You might find yourself unexpectedly needing cash for car repair, travel arrangements, funeral expenses, doctor visits, pest control, etc.

Applying does NOT affect

your FICO® credit score!

Borrowing from friends and family used to be a popular solution. Nowadays though, most people have their money worries to overcome. What’s more, the cost of living is rising while wages largely remain stagnant.

When you need urgent relief, just turn to an online lender. Thanks to the internet, and the emergence of new-age lenders, these loans are more accessible than ever and can often be available in your checking account within one or the next business day.

What is a quick loan?

Let’s do a fast comparison:

How long does it take to apply, get approved, and receive funds from a bank loan? It may take several business days or several weeks. What about credit cards? On average, it takes up to 14 business days. After getting approved for a credit card, you’ll have to wait for up to one week to receive the physical card.

If you’re in a real emergency, when you need a short-term solution, the worse options to pursue are traditional loans or credit cards.

“Quick online loans are forms of credit with an average turnaround time of 24 hours. That means, you can apply for them today, and receive cash by the next working or next business day.”

Quick personal loans – Explained

Feature Explanation
Loan term
Loan amount
Interest rate
3 months to 60 months.
$500 to $35000
5.995% to 35.99% Bad credit loans’ APRs are up to 800%.

How fast can I get a cash loan?

First, it depends on the speed of the lender. You must apply with a lender offering a speedy loan service. Secondly, the speed at which you can complete the loan process also matters.

Some of the steps you’ll have to go through before obtaining your loan include:

  • Filling in the loan application form (You).
  • Getting pre-approved (Lender or Online Lender). Many fast online lenders process loan applications and send offers in under 5 minutes.
  • Agreeing to the loan terms (You). You’ll have to confirm the loan amount you want to borrow and choose your loan term.
  • Uploading or sending documents (You). The loan company might request some documents to verify your identity and income, including copies of your government-issued ID, income stubs, etc.
  • Verification of details (Lender). The underwriters will verify all the documents sent to them and other details through third party consumer reporting agencies. If everything checks out, they will prepare the loan agreement. It might take the lender minutes to a few hours to complete this step.
  • Signing the loan agreement (You). The loan agreement will be electronically sent. Just review it and sign only if you agree to all the conditions and terms.
  • Loan disbursal (Lender). Once the lender receives the signed copy of your agreement, they can proceed to the last step. It entails funding your account through a direct deposit. Some lenders will ask you to set up automatic debits before they release funds. When your bank processes the transfer, the funds will automatically become part of your available balance in your bank account.

Applying does NOT affect

your FICO® credit score!

How can I apply for cash loans?

It’s fast and easy to get quick loans. There is a standard form to fill out. You’ll find this form on the direct lender’s website. Alternatively, you can apply for your loan through a loan-matching service like Realistic Loans.

What are the benefits of applying through a matching service instead of applying directly?

For one, it will generate many loan offers for you. That’s because the matching service works with many lenders offering similar loans. For instance, Realistic Loans works with lenders offering fast loans. Receiving numerous loan offers makes it easier for you to find the cheapest and most favorable loan product.

When you apply with one lender and get rejected, finding another lender and filling out a new application is time-consuming. The loan matching service multiplies your effort. If you miss out on a loan with one lender, finding another one is quite easy.

How long does it take to complete a quick loan application?

It should take you 5 to 10 minutes to complete the application form. However, you might spend more time on it if you don’t have all your details at hand or need additional time to think about it.

However, you’re not required to submit any documents when submitting the form. Some of the details that might give you trouble include:

  • Employer’s phone number & address.
  • Your street address.
  • Your upcoming payday.
  • Bank account details such as your account and routing number (the nine-digit number usually printed at the bottom of checks).

Requirements to apply for quick loans

Getting approved for quick cash loans is quite easy because the eligibility criteria are not stringent. There are, however, a few requirements you need to fulfill before receiving any payments into your checking account.

First, you need to be 18 years old and a permanent resident or US citizen. You also need a steady source of funds (benefits, paycheck, or another payment), verifiable street address, active phone number & email address.

Any other specific requirements will be listed by the lender themselves.

Best “easy personal loans near me” for bad credit

With bad credit, most lenders will be less inclined to lend cash to you. Credit scores are commonly used to tell if borrowers have good or bad credit. A good FICO credit score range from 680 to 850, while a poor credit score ranges from 300 to 629. There are also fair credit scores ranging from 630 to 679.

We will connect you to the nearest lenders offering an online loan for bad & fair credit. These lenders even accept borrowers with histories of defaults or bankruptcies. The only catch is that they charge a higher interest rate to account for the risk of lending to risky borrowers.

You may get started by clicking “Apply Now.” It will launch the secured loan application form.

We take the security of your data seriously. You can refer to our Privacy policy to learn more. Find different lenders online and applying one by one can be a hectic task, and you can end up nowhere and left clueless. You are taking help from an online matching service so that the same task can be completed within a couple of minutes. We have experience working with different reputable lending companies, and they are eager to get applicant details from us. Once you submit your information, we will match your application to a suitable lender.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?