Gino Rodriguez, Writer
@gino_rodriguez
U.S. Bank is among the lenders with the fastest loan approval because it will likely approve or deny you in less than a minute after you apply. The bank’s personal loans also have dollar amounts of $1,000 - $50,000, APRs of 8.74% - 24.99% and repayment periods of 12 - 84 months . You’ll need a credit score of at least 660 to qualify.
U.S. Bank isn’t your only option for fast loan approval, though. You can see a comparison of companies with fast loan approval below.
Companies with Fast Loan Approval (December 2025)
| Company | Approval/Denial Timeline | Loan Amounts | APRs |
| Typically less than a minute after you apply | $1,000 - $50,000 | 8.74% - 24.99% | |
| “Instantly” after you apply | $1,000 - $75,000 | 6.6% - 35.99%, typically | |
| Typically less than a minute after you apply | $2,000 - $30,000 | 9.99% - 19.49%** | |
| As soon as the same day you apply | $5,000 - $100,000 | 7.44% - 25.79% | |
| As soon as the same day you apply | $1,000 - $100,000 | 8.99% - 11.99% | |
| As soon as the same day you apply | $500 - $50,000 | 8.99% - 17.99% | |
| As soon as the same day you apply | $3,000 - $100,000 | 7.24% - 24.74% | |
| As soon as the same day you apply | $2,000 - $45,000 | 8.31% - 29.99% | |
| As soon as the same day you apply | $2,000 - $35,000 | 9.95% - 35.99% | |
| As soon as the same day you apply | $300 - $10,000 | 35.95% - 35.99% |
Keep in mind that instant or same-day approval is never guaranteed. Approval may take longer if the lender needs to verify any of the information from your loan application.
To learn more about the top-ranked offers, check out WalletHub’s complete picks for the best same-day loans and the best quick loans. Then, you can estimate your potential rates with our free pre-qualification tool.
Upstart disclosures: The majority of borrowers on the Upstart marketplace are able to receive an instant decision upon submitting a completed application, without providing additional supporting documents, however final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer wait times if additional documentation is required for review.
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 19.60% and a 6.90% origination fee of $690, for an APR of 23.22%. In this example, the borrower will receive $9310 and will make 60 monthly payments of $264. APR is calculated based on 5-year rates offered in March 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
People also ask
What is the quickest loan I can get?
The quickest loan you can get is a payday loan, since you can get the funds in as little as a few minutes. Be careful when considering payday loans, however, because they have repayment periods as short as a couple of weeks and very high fees. Other loans you can get quickly include personal loans with fast approval and funding timelines, payday loans, cash advances online, pawn shop loans, and loans from friends or family members.
... read full answer by Gino Rodriguez, WriterHow quickly can I get approved for a loan?
You can get approved for a personal loan as soon as minutes after you apply, and it usually takes at most a few business days. The exact amount of time it takes to get approved depends on both the lender and how well you meet the loan's requirements. For example, someone whose credit score and income are much higher than the lender's minimum has a better chance of quick approval than someone who just barely...
read full answer by Gino Rodriguez, WriterHow can I get an instant loan in 5 minutes?
You can get an instant loan in 5 minutes if you borrow from a friend or family member since they can give you cash or use an electronic transfer service to send you money immediately. No reputable companies will send funds to you within minutes or even 1 hour after you apply. Personal loans are typically funded within 7 business days, and other options – like paycheck advance services – usually take a few business days.
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read full answer by Grace Enfield, Content WriterDid we answer your question?
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