How can I get a loan with no credit ASAP?

You can get a loan with no credit ASAP by applying for a personal loan from a company with fast funding that accepts applicants with no credit. The best quick loans for people with no credit are available through Upstart since they have funding as soon as one business day after approval and loans of $1,000 - $50,000. Plus, the APRs are typically around 5.35% - 35.99%.

5 Types of Loans You Can Get with No Credit ASAP

1. Personal loan for people with no credit

   Some personal loans for people with no credit have funding timelines as soon as one business day after approval. It typically takes about a week to get a personal loan, though, from approval to funding.

   
   

   To estimate your potential rates, check out the free pre-qualification tool on WalletHub.

2. No credit check loan

   No credit check loans do not require a hard inquiry into your credit history and offer funding as soon as one business day after approval. These loans typically have high APRs and often provide up to a few thousand dollars in funding.

3. Cosigner loan

   Getting a loan with a cosigner allows you to use their higher credit score and income to improve your approval odds. The cosigner must promise to repay the loan if you are unable to. You may be able to get your funds as soon as one business day after approval.

4. Secured personal loan

   To get a secured personal loan, you’ll need to put something up as collateral, such as a car or money in a bank account. If you don’t repay the loan, though, the loan company will keep the collateral. You could get your funds as soon as the same day you’re approved with a secured personal loan.

5. Paycheck advance service

   Paycheck advances from services like Dave or Earnin can offer up to several hundred dollars in funding and will need to be repaid with your next paycheck, though there’s no interest. You may be able to get your funds as soon as the same day you request a paycheck advance.

Other Loan Options to Avoid

You may be able to get payday loans and auto title loans the same day you apply, but they aren’t worth it. These loans typically only offer up to a few hundred dollars in funding, often have expensive fees and have very short repayment periods. You should avoid them.