Top 9 Same-Day Personal Loans to Consider in 2025

Personal loans are a convenient way to borrow money for various expenses, whether it’s an emergency medical bill, home repair, or even a vacation. Some lenders provide funding as soon as the same day of approval, making them an excellent option when you need money urgently. If you’re looking for reliable and quick personal loans, here’s a roundup of the top nine options to consider in 2025. Plus, we’ll also discuss Kapital Hero Business Loan Reviews to help you explore additional lending options.

1. SoFi Personal Loan

Best for: No fees and member benefits
SoFi offers loan amounts ranging from $5,000 to $100,000 with APRs between 8.99% and 25.81%. Term lengths vary from 24 to 84 months, and same-day funding is available in some cases. One of its biggest perks is the absence of origination or late fees, along with an unemployment protection program.

2. LightStream Personal Loan

Best for: Low-interest rates and no fees
LightStream provides loan amounts between $5,000 and $100,000 with APRs from 7.99% to 24.99%. Terms range from 24 to 144 months, and same-day funding is possible. A rate-beat program and no fees make it an excellent choice for borrowers with good credit.

3. Marcus by Goldman Sachs

Best for: No-fee borrowing
Marcus offers loans from $3,500 to $40,000 with APRs between 6.99% and 24.99%. Loan terms range from 36 to 72 months, and funding can be available as soon as the same day. The lender charges no fees and allows a payment deferral after 12 months of on-time payments.

4. Capital One Personal Loan

Best for: Existing Capital One customers
Capital One provides loans between $1,000 and $50,000 with APRs from 7.99% to 29.99%. Terms range from 36 to 72 months, and pre-approved customers may receive same-day funding. It offers competitive rates for existing customers.

5. Avant Personal Loan

Best for: Fair credit borrowers
Avant offers loan amounts from $2,000 to $35,000 with APRs between 9.95% and 35.99%. Terms vary from 12 to 60 months, with next-day funding, though same-day is available in some cases. This lender is a great option for those with fair credit, though interest rates can be higher.

6. Upstart Personal Loan

Best for: AI-driven approvals for fast funding
Upstart provides loans ranging from $1,000 to $50,000 with APRs from 6.70% to 35.99%. Terms are between 36 and 60 months, and same-day funding is possible. It uses artificial intelligence to evaluate loan applications quickly, making it a top choice for fast approval.

7. LendingClub Personal Loan

Best for: Joint applications
LendingClub offers loans between $1,000 and $40,000 with APRs from 9.57% to 35.99%. Terms range from 36 to 60 months, with funding available within 24 hours. It allows co-borrowers to apply together, which can improve approval odds and loan terms.

8. Best Egg Personal Loan

Best for: Competitive APRs for good credit
Best Egg provides loan amounts from $2,000 to $50,000 with APRs between 8.99% and 35.99%. Terms range from 36 to 60 months, and funding can be received the same day or the next day. It offers a quick and easy online application process.

9. Prosper Personal Loan

Best for: Peer-to-peer lending
Prosper offers loans from $2,000 to $50,000 with APRs between 6.99% and 35.99%. Terms range from 36 to 60 months, and funding typically takes one to three business days, though same-day funding is possible. It connects borrowers with individual investors rather than traditional banks.

Final Thoughts

Finding the best same-day personal loan depends on your credit score, loan amount, and financial needs. Whether you prioritize low interest rates, fast funding, or no fees, the options above provide a variety of solutions to meet different borrowing needs.

Additionally, if you’re looking for business loans, Kapital Hero Business Loan Reviews can help you explore financing options tailored for entrepreneurs. Keep in mind that eligibility requirements vary, so compare lenders carefully before making a decision.

For those in urgent need of funds, same-day personal loans offer a convenient way to access cash quickly. Make sure to choose a lender that aligns with your financial goals and repayment capacity.

By considering these nine lenders, you can find the best same-day personal loan that fits your needs in 2025. If you’re interested in business loans, checking out Kapital Hero Business Loan Reviews might provide additional insights into viable lending options for entrepreneurs and small business owners.