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Living a debt free life is not easy. In the middle of enjoying your life and saving for the future, we are left with a little bit of money in our so-called emergency funds, which might not be enough if something mishap is about to happen. I will give you a live example of myself, I’m not rich by American standards. Never have been. Has been solidly middle class my entire life – maybe even poor during the time I was in college. So saving money never tops my regular regime.

A survey of nearly 8000 Americans found that nearly 60 percent of respondent have less than $1,000 in their saving account. And let me tell you, life is full of surprise. The moment you think you have enough saving to travel or buy yourself a gift, it’s gonna hit you like a hurricane. To cope up with such situations there are tons of options available, online or around the block, for getting a quick loan. Applying for a loan shouldn’t be a frustrating experience, but it can be since there are gazillions of online personal loan lender available.

To make it simpler and convenient for you, I have listed down 11 best personal loans offers where you can borrow money quickly, without even leaving your home and get funds deposited into your account as soon as next business day.

You might have seen many loan providers offering loan for the various different reason but, there are only a few personal loan lenders who offer a loan with various loan discounts. FreedomPlus is one of the latter one.

Most of the time, credit score comes in the way of acquiring a loan. But, with a personal loan, even a person with less than a perfect score has a chance for loan approval, only if you can pay the loan amount on time.

One of the special discounts from FreedomPlus is there Direct Pay discount, where FreedomPlus pays off customer’s debt on their behalf. If you have a co-signer with you, you might see a drop in your loan’s interest rate.

Loans are available between $10,000 and $40,000.

Loan term of 2-5 years

APR : 5.99% – 29.99%

No prepayment fees

Minimum Credit Score needed – 620

Our Verdict: With quick turnaround time and potential rate discounts, using FreedomPlus for your financial need is not a bad option. If you submit a loan application early in the day, chances are that you can be approved on the same day and money can be deposited in the next 72 hours.

One thing to keep in mind is that FreedomPlus is not available in many states like CO, CT, HI, IA, KS, ME, NH, NY, ND, OR, RI, VT, WI, WV or WY.

If you want to look for multiple options at once, LendingTree might be a good option for you. It is a marketplace which provides numerous lenders at once. So, whether you fall under the excellent credit score or poor/bad credit score category, you will be able to get the offer that works the best for you.

One of the unique identities of LendingTree is their widespread in the loan zone. From personal loan to debt relief option LendingTree has many things to offer. You can check your credit score before applying for a personal loan

Loans available between $1,000 and $50,000

Loan term of 3-5 years

Starting with an APR rate as low as 5.99%

No prepayment fees

Minimum Credit Score needed – 550

Our Verdict: Debt consolidation, home improvement, vacation or wedding expenses, whatever your reason might be, you can choose LendingTree for a personal loan. If you want to compare the rate and terms of the different lender at once, then LendingTree might be a good place to consider.

Prosper loan is more of an online marketplace rather than the traditional bank. It is the link that connects borrower to the lenders. With more than 12 billion loans funded, you can be able to get your funds in as few as 3 days.

Prosper loan does a soft pull on your credit whenever you check your rate, in short, your credit score will not be affected by it. One of the good things about Prosper loan is that you will be able to pay your loan early without any prepayment fees.

Loans available between $2,000 and $40,000

Loan term of 3-5 years

Starting with an APR rate as low as 6.95%

No prepayment fees

Minimum Credit Score needed – 640

Our Verdict: Prosper personal loan is best suited for borrowers with average credit. If you are looking forward to reducing your monthly payment and pay down your loan over a long period of time then go for Prosper loan as they have a payment window of 3-5 years.

The only thing to look out for is your DTI (debt to income) ratio which should be below 50%

Often times we are not sure about personal loan lender, which one to look for, comparing the rate and terms for each lender. Lendvious has done all the homework for you. It is a personal loan marketplace which connects you with multiple lenders offering competitive rates.

Checking your rate is no problem with Lendvious as it will have no impact on your credit score. All you have to do is fill out its simple online form. Lendvious covers almost every reason you might have for taking out a personal loan.

From debt consolidation, credit card refinancing to Medical expenses and taxes. You can use Lendvious for any reason.

Loans are available between $1,000 and $50,000.

Loan term of 2-5 years

Starting with APR rate as low as 4.99%

Minimum Credit Score needed – 550

Our verdict: Being a personal loan lender hub is advantageous to those who get confused while looking for the best-suited loan. With easy application and quick decision, Lendvious can be a perfect choice even for less than a perfect score borrower.

Payoff is another peer-to-peer personal loan lender that focuses its primary concern on debt consolidate and getting rid of credit card debt. You are only expected to pay origination fees other than interest eliminating all the other common fees. Payoff is one of the best personal loans that require the highest minimum credit score of 660. One thing that makes payoff different from other lenders is that it offers to work with you and adjust your payment if you face any sudden financial problem.

On the whole, payoff provides a special service which makes it different from other lenders, which also include services like resume review and interview advice.

Loans available between $5,000 and $35,000.

Loan term of 2-5 years.

Starting with an APR rate as low as 00%

No prepayment fees.

Minimum Credit Score needed – 640

Our verdict: If you are looking for a personal loan to consolidate your credit card debt, Payoff is the best option. There are some points to remember, with a credit score of 640 you also require having a debt-to-income ratio below 50 percent and no delinquencies. And the good part is Payoff offer payment flexibility which means that even if you miss some payment you will not be charged with any late fees or any early payment fees.

Payoff aims for a fees transparency so you don’t have to worry about any hidden fees. It is a great option for those with a good credit history but is paying a lot of interest on their credit card or for those who have multiple credit card payment every month.

Upstart is one of the best personal loan services that use a peer-to-peer lending system. One of the positive thing about upstart is it uses multiple sources of information. Your loan will not only depend upon your credit score but it will also utilize your current and future earning, your job and education history. On top of that upstart is an online personal loan whose application requires only a few minutes to get complete, and is super quick which is good for borrowers who are in need of quick funds.

To sum it up upstart is a good personal loan service if you are looking for unsecured loans. An additional point for its AutoPlay which deducts a selected amount, save the borrower from installment hassle.

Loans available between $1,000 and $50,000.

Loan term of 3-5 years.

Starting with a basic APR rate of 8.69%

No prepayment fees.

Minimum Credit Score needed – 620

Our verdict: What makes Upstart a very good online personal lender is that their underwriting process takes many things into consideration. They accept anybody. It just means that their criteria are very different as compare to many lenders as you can see by their low credit score criteria, making a good choice for generation Z as you don’t even need a college education.

Rather than judging the borrower by their credit score they take many things into consideration including your personal ability to pay, makes Upstart a great choice for new entrepreneurs. If you are looking for, an easy to get a loan with excellent customer satisfaction – this is it.

Opp Loan is an installment loan which is beneficial for those who cannot pay the loan quickly but needs an installment for it. One of the best things about this personal loan lender is that it offers a minimum loan of as low as $500 and offer services in almost every state. Opp loan is a quick and fast lending service which can fund you as early as next business day. The unique thing about opp loan is that it is a direct lender as compared to the other lender mentioned above, so you actually speaking with a representative rather than a broker when applying for the loan.

If you are looking for a loan that is somewhere between payday and personal, opp loan is the right choice, even if you have less than perfect credit history.

Loans available between $5,00 and $4,000.

Loan term of 9-36 months.

APR rate from 99% – 199%

Fees are varied by state.

Turnaround time of 1 business day

Our verdict: Opploans offer loans between $500 – 4,000 making itself different from short terms lenders with a much lower interest rate. It offers loans, debt consolidation and credit plan with an easy online process and funds can be deposited as soon as the next business day. Like Avant, Opploans also have late fees of $10 and no prepayment fees. With a good customer service history, one can borrow funds without any wait.

Avant is a lending platform that has helped over 600,000 customers to date. Using its advance algorithm and analytical tools it formulates the borrower’s creditworthiness. To make your experience with avant more personalized, they have built a mobile app which lets you stay up to date with you’re a loan.

Avant services are available in all state except Colorado, Iowa, West Virginia, and Vermont. The Loan through the Avant platform offers competitive rates with no prepayment fees. If approved, funds can be provided as soon as next business day.

Loans available between $2,000 and $35,000.

Loan term of 2-5 years.

APR rate from 9.95% – 35.99%

Minimum Credit Score needed – 580

Our verdict: What makes Avant stand out the most is that it offers an installment loan which can be used for various purposes. Avant is best for borrowers with bad credit and for those who are looking to consolidate their debt. Being fast, convenient and responsive, it is also a good choice if you are looking for some extra funds.

If you want a multiple lenders marketplace with a wide range of lender selection available in for different credit score, then, you might want to see Supermoney. Supermoney offers a personal loan with varies different options, all you need to do is fill put its simple form to get the best offer you can prequalify for.

Supermoney offers loan for any reason, and you can also check your rates without hurting your credit score (as a soft pull won’t hurt your score). One form can get you, multiple lenders, to compare and choose your loan according to your needs.

Loans available between $200 and $100,000

Loan term of 1-84 months

Starting with an APR rate as low as 4.99%

No prepayment fees

Minimum Credit Score needed – 300

Our Verdict: One of the great things you will find about Supermoney is their transparency. No annoying robocalls and transparent comparison gives you the freedom to choose your type of loan without the hindrance of searching every option one at a time.

Fill out the simple form, get your offer in seconds, compare your requirements (rates, term, APR, payment, and fees) and find the funds you need, it can’t get as simple as this.

The reason why a personal loan is called ‘personal’ is that of the fact that, it can be used for your personal financial need. Be it be credit card debt, home improvement, moving expenses, vacation, or other major purchases. BestEgg knows this and that is what its forte is.

It allows you to check your prequalification without hurting your credit score and give you the chance to take two loans at the same time. Just make sure that your total amount of loan doesn’t exceed $50,000 and that your primary loan is at least 6 months old for which you haven’t skipped a payment.

Loans are available between $2,000 and $35,000.

Loan term of 3-5 years

Starting with a basic APR rate of 5.99%

No prepayment fees

Minimum Credit Score needed – 660

Our verdict: If you are a middle to a high-income borrower who is need of quick turnaround time personal loan, try BestEgg. With its affordable Apr rate and lower loan amount range, BestEgg is the all-rounder personal loan for your need. The only downside is its no co-borrower policy and its unavailability for bad credit scorer.

Final thoughts

You can’t always predict when an emergency will occur, but you can prepare for it. Before you start to apply read all the information you need about the personal loan, what are they used loan, its type because personal loans are available for every type of credit score.

Remember, when it comes to borrowing, one of the most important things to be aware of is the interest rate that you’ll be charged which will decide the life of your loan. A Personal loan does help you with any financial emergency you face but it also helps you to add a little extra fund for added security.