In today’s fast-paced world, unexpected expenses can arise at any time. Whether it’s a medical emergency, car repair, or just a temporary cash crunch, having access to quick personal loans can be a lifesaver. Luckily, there are now dozens of mobile apps that allow users to apply for and receive a personal loan quick, often within minutes.
To help you find the best options, we’ve compiled a list of the top 10 apps to get a personal loan quick in 2025. Each app is reviewed based on speed, ease of use, loan amounts, interest rates, and customer experience.
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1. SoFi
Best For: No fees and high loan limits
SoFi is a well-known name in the financial industry. The app offers personal loans with no origination fees, prepayment penalties, or late fees. Users can borrow between $5,000 and $100,000 with flexible repayment terms. The SoFi app is sleek, easy to navigate, and perfect for users who need a personal loan quick without hidden charges.
- Loan Amounts: $5,000 to $100,000
- APR: Starts around 8%
- Speed: Funds can be disbursed as soon as the next business day
- Perks: Career coaching, unemployment protection
2. Earnin
Best For: Low-income users and small cash advances
Earnin isn’t a traditional loan app but offers a way to get money before your payday. You can access up to $100 per day (and up to $750 per pay period) without paying interest. Instead, you tip what you think is fair. If you need a personal loan quick and don’t want to go through a credit check, Earnin is a great option.
- Loan Amounts: Up to $750 per pay period
- APR: No interest or fees
- Speed: Instant with Lightning Speed feature
- Perks: No credit checks, financial health tools
3. Upstart
Best For: Borrowers with limited credit history
Upstart uses AI and alternative data to approve borrowers who might not qualify elsewhere. The app is user-friendly and provides fast decisions and quick funding. It’s an ideal choice if you need a personal loan quick and don’t have a long credit history.
- Loan Amounts: $1,000 to $50,000
- APR: 6.5% to 35.99%
- Speed: As soon as 1 business day
- Perks: Accepts applicants with thin credit files
4. MoneyLion
Best For: All-in-one financial management
MoneyLion is more than a loan app. It offers a complete digital banking experience with features like credit monitoring, investing, and quick cash advances. If you need a personal loan quick, the app’s Instacash feature can give you access to small-dollar amounts instantly.
- Loan Amounts: Up to $1,000 with Instacash
- APR: 0% for Instacash; personal loans vary
- Speed: Instant with qualifying bank account
- Perks: Cashback rewards, credit builder loans
5. Brigit
Best For: Budgeting and small emergency funds
Brigit offers up to $250 in cash advances with no interest, as well as budgeting tools and alerts to prevent overdrafts. If you need a personal loan quick to tide you over until payday, Brigit is a helpful solution.
- Loan Amounts: Up to $250
- APR: 0% (subscription fee may apply)
- Speed: Same-day with Express Delivery
- Perks: Budgeting tools, financial tips
6. Chime (via SpotMe and Lending Partners)
Best For: Banking and small overdrafts
Chime is a neobank that partners with other financial institutions to offer loans and overdraft coverage. SpotMe allows eligible users to overdraft up to $200 without fees. For a personal loan quick, Chime is best suited for small, short-term borrowing.
- Loan Amounts: Varies with partners; SpotMe up to $200
- APR: Varies
- Speed: Instant access to overdraft funds
- Perks: No hidden fees, early paycheck access
7. Dave
Best For: Budgeting and cash advances without credit checks
Dave is known for offering small cash advances with no interest. You can borrow up to $500 instantly. It’s a great option for users who need a personal loan quick and want to avoid payday loan traps.
- Loan Amounts: Up to $500
- APR: 0% (monthly fee may apply)
- Speed: Instantly with Express feature
- Perks: Budgeting tools, credit-building options
8. Klarna (Pay Later and Financing)
Best For: Buy now, pay later with flexible terms
While traditionally a BNPL app, Klarna now offers financing options. You can get a personal loan quick to finance larger purchases and repay over time.
- Loan Amounts: Varies depending on the retailer and purchase
- APR: 0% to 19.99%
- Speed: Immediate approval for purchases
- Perks: Flexible payback options, no hard credit check for most options
9. Avant
Best For: Mid-credit borrowers
Avant provides quick personal loans to borrowers with average credit scores. The app offers a straightforward process with quick approvals and funding. If you have fair credit and need a personal loan quick, Avant is a solid option.
- Loan Amounts: $2,000 to $35,000
- APR: 9.95% to 35.99%
- Speed: Next-day funding
- Perks: Mobile-friendly, transparent fees
10. PaySense (India-based)
Best For: Indian users needing fast loans
PaySense is one of India’s most popular loan apps, offering fast approvals and loans without extensive paperwork. It’s perfect for users in India who need a personal loan quick for emergencies.
- Loan Amounts: INR 5,000 to 5,00,000
- APR: Varies
- Speed: Within 24 hours
- Perks: Paperless process, EMI calculator
How to Choose the Right Personal Loan App
When you’re in a pinch and looking for a personal loan quick, here’s what to consider:
- Speed of Disbursement: Does the app offer instant funding or next-day deposit?
- Loan Amounts: Make sure it offers enough to cover your needs.
- Interest Rates: Lower is better, but watch out for hidden fees.
- Eligibility Requirements: Some apps require good credit, others don’t.
- User Experience: A clean, intuitive interface makes borrowing stress-free.
Final Thoughts
In 2025, getting a personal loan quick is easier than ever thanks to these top-rated apps. Whether you need a few hundred dollars until payday or a larger loan to consolidate debt, there’s an app out there that fits your needs.
Remember to read the fine print, understand your repayment terms, and only borrow what you can afford to repay. With the right app, financial relief is just a few taps away.