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One of the best ways to get fast loans is online. Traditional banks typically take longer to process loans, so cash loans from online lenders may be the better ...

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Credit Union: Alliant Credit Union. Fair Credit: Rocket Loans. Bank: Citibank. Short-Term Loans: Oportun. Instant approval and same-day funding are not guaranteed with any reputable lenders, but the companies listed above give you the best shot. Other instant loan options exist, too, but most are not worth applying for.

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Hard and fast payback terms. Personal loan payments are set, unlike those on a credit card, so you will need to make sure you have enough money each month to cover them. Larger interest rates for little money. Borrowing between £2-£3,000 often results in higher interest rates than borrowing between £7.5-£10k.

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