 TITLE: Emergency Loans: Where to Get the Best Ones CONTENT: 4 Top Online Lenders That Offer Quick Emergency Loans\n-----------------------------------------------------\n### LendingPoint\n[](;site=exp&placement=ae-single-embed&sessionid=96343514-D133-0BFC-81DB-6BD8875C54CC&pageid=blogs:ask-experian:emergency-loans-where-to-get-the-best-ones&previouspageid=&ecsstaticid=E042466B-BD63-B9E4-1FF5-947C1DD81E48)[Apply](;site=exp&placement=ae-single-embed&sessionid=96343514-D133-0BFC-81DB-6BD8875C54CC&pageid=blogs:ask-experian:emergency-loans-where-to-get-the-best-ones&previouspageid=&ecsstaticid=E042466B-BD63-B9E4-1FF5-947C1DD81E48)\non LendingPoint's website\n**Recommended FICO® Score\\***\nFair - Good\nAmount\nAvailable loan amounts: $2,000 to $25,000\nEst. monthly payment: $95 to $1,437\nGrace period: 0 days\nApplication fee: $0\n##### Loan Details\n*   Personal loans from $2,000 to $25,000\n*   Rates from 15.49% to 35.99% APR with no prepayment penalties\n*   Check your rate for free without impacting your credit score\n*   Qualified customers receive offers in three simple steps, and funds in as little as 24 hours if approved\n*   Simple and Secure - quick online application\n*   LendingPoint's customer success representatives are available online or by phone 24\/7, just call 888-969-0959\n*   Terms from 24 - 60 months\nDisclosure\nLendingPoint is an online personal loan lender that focuses on applicants with less-than-stellar credit. You may be able to borrow $2,000 to $25,000, get prequalified without impacting your credit and get the money within one business day. You may pay an origination fee ranging from 0% to 6% depending on your creditworthiness.\n### SoFi\n[](;site=exp&placement=ae-single-embed&sessionid=96343514-D133-0BFC-81DB-6BD8875C54CC&pageid=blogs:ask-experian:emergency-loans-where-to-get-the-best-ones&previouspageid=&ecsstaticid=E042466B-BD63-B9E4-1FF5-947C1DD81E48)[Apply](;site=exp&placement=ae-single-embed&sessionid=96343514-D133-0BFC-81DB-6BD8875C54CC&pageid=blogs:ask-experian:emergency-loans-where-to-get-the-best-ones&previouspageid=&ecsstaticid=E042466B-BD63-B9E4-1FF5-947C1DD81E48)\non SoFi's website\n**Recommended FICO® Score\\***\nGood - Exceptional\nAmount\nAvailable loan amounts: $5,000 to $100,000\nEst. monthly payment: $217 to $4,944\nGrace period: 10 days\nApplication fee: $0\n##### Loan Details\n*   Personal Loans with low fixed rates\n*   Borrow up to $100,000\n*   No Origination Fees, No Prepayment Penalties, and No Late or Overdraft Fees\n*   Simple online application with live support 7 days a week\n*   Apply Now\nDisclosure\nIf you have good to excellent credit, SoFi could be one of your top choices. Loan amounts range from $5,000 to $100,000, there's no prepayment penalty and, unlike many lenders, SoFi doesn't charge origination fees. It may take a few days to receive the funds, but as with other lenders, you can check your rate without impacting your credit.\n### Upgrade\n[](;site=exp&placement=ae-single-embed&sessionid=96343514-D133-0BFC-81DB-6BD8875C54CC&pageid=blogs:ask-experian:emergency-loans-where-to-get-the-best-ones&previouspageid=&ecsstaticid=E042466B-BD63-B9E4-1FF5-947C1DD81E48)[Apply](;site=exp&placement=ae-single-embed&sessionid=96343514-D133-0BFC-81DB-6BD8875C54CC&pageid=blogs:ask-experian:emergency-loans-where-to-get-the-best-ones&previouspageid=&ecsstaticid=E042466B-BD63-B9E4-1FF5-947C1DD81E48)\non Upgrade's website\n**Recommended FICO® Score\\***\nFair - Exceptional\nAmount\nAvailable loan amounts: $1,000 to $50,000\nEst. monthly payment: $30 to $2,095\nGrace period: 15 days\nApplication fee: $0\n##### Loan Details\n*   Affordable loans from $1,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties\n*   Quick online application -- get pre-approved in just minutes\n*   Checking your rate won't impact your credit score\n*   Review multiple loan options so you can pick the amount and term that fits your budget and timeline\n*   With automatic payments and a customizable due date, managing your account is easy and you'll be able to circle the date on your calendar when you'll be debt free\nDisclosure\nUsing Upgrade, you can get prequalified, choose your loan option (if you're approved) and receive funds within a day of completing the verification process. Overall, the process should take about four business days. Loan amounts vary from $1,000 to $50,000, and there's a 2.9% to 8% origination fee.\n### Upstart\n[](;site=exp&placement=ae-single-embed&sessionid=96343514-D133-0BFC-81DB-6BD8875C54CC&pageid=blogs:ask-experian:emergency-loans-where-to-get-the-best-ones&previouspageid=&ecsstaticid=E042466B-BD63-B9E4-1FF5-947C1DD81E48)[Apply](;site=exp&placement=ae-single-embed&sessionid=96343514-D133-0BFC-81DB-6BD8875C54CC&pageid=blogs:ask-experian:emergency-loans-where-to-get-the-best-ones&previouspageid=&ecsstaticid=E042466B-BD63-B9E4-1FF5-947C1DD81E48)\non Upstart's website\n**Recommended FICO® Score\\***\nFair - Exceptional\nAmount\nAvailable loan amounts: $1,000 to $50,000\nEst. monthly payment: $30 to $2,262\nGrace period: 15 days\nApplication fee: $0\n##### Loan Details\n*   Loan amounts from $1,000 - $50,000\n*   APRs from 6.46% - 35.99% with loan terms of 3 or 5 years\n*   Won't affect your credit score\n*   You can have funds in as fast as 1 day\n*   You are more than your credit score. On Upstart your education and experience help you get the rate you deserve.\nDisclosure\nUpstart offers loans directly but can also share your information with partnered lenders so you can compare loan offers and terms to find the best fit. You'll need a credit score of at least 580 and can find out if you prequalify without hurting your credit. Loan amounts range from $1,000 to $50,000, the origination fee is 0% to 8%, and you could receive the money in one business day.\nWhat You Need to Know if You're Considering an Emergency Loan\n-------------------------------------------------------------\nAn unsecured personal loan does not require you to provide collateral to receive the funds. Lenders typically let you use personal loan funds for almost anything, which means they can help during a variety of emergency situations.\nThere are a few additional fine points to know as you look for a personal loan:\n*   **Your state of residence can be important.** Some lenders don't offer loans in certain states. The minimum and maximum loan amounts and fees can also depend on what state you reside in.\n*   **Interest rates can vary widely.** Lenders often have large interest rate ranges, and you may wind up getting offered a rate that's much higher than what you'd pay on a credit card.\n*   **There's no guaranteed loan amount.** While lenders may offer \"up to\" a certain amount, that doesn't mean you'll get approved for the entire amount you request.\n*   **Look closely at the fees.** Many lenders advertise that they don't charge application or prepayment fees. But often you'll still need to pay an origination fee.\n*   **Funding speed can vary.** You may be able to get funds in your account within one or two business days. However, the timing can depend on when you submit your application, how long it takes to verify your information and the bank where you want the money deposited.\n*   **Find a reputable lender.** All loans are a contractual commitment, so be mindful of the fine print, payment terms and interest rates. Make sure to research and pay attention to consumer reviews of loan providers. This could help you avoid predatory lenders or unfavorable terms.\nIf you've considered your situation and believe an emergency loan is the right solution for you, the four online lenders noted above could offer quick unsecured personal loans with potentially low interest rates.  \nBottom Line\n-----------\nWading through all the options during a financially uncertain time can be difficult, but you do have options when you need cash in a hurry. If you think an emergency loan might be your best option, you can use a tool like Experian CreditMatch™ to quickly compare lenders and find out if you prequalify. END