The best options for when your emergency fund isn't enough and you need cash now.

A small loan can go a long way in filling in gaps in your monthly budget or covering surprise expenses. If you need a quick cash injection, online lenders are your best option, as many provide same day or next day funding.

Before we get into the best online lenders, here are some quick tips for fast loan approval and funding:

1. Before you apply: Gather all of the information and documents you need, so the lender can quickly verify your information.

2. Rate-shopping: Start the process at a loan marketplace, such as LendingTree. Submit one application and instantly compare rates from dozens of lenders in their network.

3. Apply online: Online lenders leverage technology to speed up the loan process. Funding with an online lender generally won’t take more than 3 days (compared with more than 7 days at a bank).

If you want to compare the best online lenders, start with these industry leaders - all of whom provide funding in as little as one day after approval:

1. LendingTree

Best for: Borrowers with fair credit who want to compare multiple offers

  • All credit scores
  • Loan marketplace - compare rates in 2 minutes
  • APR range: 3.99-35.99%

VIEW RATES

2. GuidetoLenders

Best for: Borrowers with poor credit

  • All credit scores
  • Loan marketplace
  • APR range: 4.99-35.99%

VIEW RATES

3. LoansUnder36

Best for: Borrowers with poor credit who can't get approved elsewhere

  • All credit scores
  • Loan marketplace
  • APR range: 5.99-35.99%

VIEW RATES