Most major loan companies do not offer same-day loans to people with no credit, but you can get a personal loan from Oportun as soon as the same day you apply. These loans offer $300 - $12,000 in funding and APRs of up to 36% maximum. There are a few other options for near-same-day loans for people who have no credit, as well.
Loans That Offer Near-Same-Day Funding for People with No Credit
- Oportun: Funding as soon as the same day you apply
- Upstart: Funding as soon as 1 business day after approval
- OppLoans: Funding 1 - 3 business days after approval
- NetCredit: Funding 1 - 3 business days after approval
- Integra Credit: Funding 1 - 2 business days after approval
You may also be able to get a same-day loan with no credit from a payday lender, an auto-title lender, or friends and family. Payday and auto-title lenders are far too expensive, though, and borrowing from loved ones can present complications of its own.
If you’re not in a hurry to get a loan, WalletHub’s free pre-qualification tool will make the search for a loan much more efficient. This tool helps you get an idea of your rates ahead of time and it doesn’t hurt your credit score.
Upstart disclosure: If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
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