Kelly Larsen

Compare lenders: First things first, compare a variety of different personal loan lenders to narrow down your list to those that meet your needs. Pay special attention to each lender’s funding time and look specifically at those with same-day or next-day funding.
Prequalify: As mentioned, many lenders allow you to prequalify for a personal loan , meaning you can find out if you’re likely to qualify and what rate you could get without it negatively impacting your credit.
Pick a loan: After you narrow down your list, choose the lender with the APR and terms that look best. The APR includes both interest and fees, so it’s the most accurate picture of how much the loan will cost you.
Complete the application: Depending on the loan, you can probably complete the online application within about 10 minutes. You’ll need to provide financial information, including proof of income.
Get your funds: If you have good credit, your loan application could be approved instantly. Once your loan is approved, a fast personal loan should land in your bank account either the same day or the next day.

Editor

10+ years covering personal finance
Bylines at Auto Trends Magazine and Buy Side from WSJ

Experience

Kelly Larsen has been a finance writer and editor for more than 10 years. She has worked as a finance editor at Round Feather, where she helped launch the award-winning, financial well-being app, Paven. Kelly also worked as a project editor at Printers Row Publishing Group, and a senior content writer at Safe2Drive.

Expertise

Mortgages
Student loans
Credit and debt management
Budgeting

Education

Kelly has a bachelor's in English literature from San Francisco State University.