Content articles<\/p>\n

1. MoneyMutual<\/a><\/li>\n
2. Citi<\/a><\/li>\n
3. Upgrade<\/a><\/li>\n
4. Lending Club<\/a><\/li>\n<\/ul>\n<\/div>\n
If you need cash fast, you might be tempted to use a payday loan or credit card cash advance. However, these options are expensive and can trap you in a cycle of debt.<\/p>\n
The best quick loans offer low APRs, fast funding and flexible repayment terms. Some lenders also let you add a cosigner or allow coborrowers, which improves your chances of approval.<\/p>\n
1. MoneyMutual<\/h2>\n
If you\u2019re in need of a cash advance, you can apply online for a quick loan with MoneyMutual. The company is a free marketplace that connects borrowers with lenders who offer short-term loans of up to $2500. This type of financing is ideal for individuals who need extra cash to cover unexpected expenses or pay off other debts. However, it is important to understand the rates and fees involved with this type of loan before applying.<\/p>\n
The best thing about MoneyMutual is that it\u2019s a free service for borrowers, with the company making money by charging a small fee to the lending companies it connects with. It is also a great option for people with bad credit who want to get cash advances, as many of the lenders in MoneyMutual\u2019s network consider other factors than credit score when determining eligibility.<\/p>\n
Other benefits of MoneyMutual include the ability to receive funds quickly, and the convenience of completing the application process online. Borrowers can also choose from a variety of loan amounts, including small to mid-size loans, which can help small instant loans<\/a> them manage financial emergencies and address short-term financial needs. Additionally, MoneyMutual provides educational resources and insights on loan management for its borrowers. This can help borrowers better understand their finances and improve their loan repayment capabilities. This can help them avoid further financial problems down the road.<\/p>\n
2. Citi<\/h2>\n
Citi is a longtime leader in banking innovation, including the ATM and credit cards. The company has also broken ground in less savory ways, such as being one of the first banks to receive taxpayer funds as part of TARP in 2008 following the mortgage crisis.<\/p>\n
For those who don\u2019t qualify for a line of credit at the bank, a personal loan with Citi can be an option. The lender offers competitive rates for unsecured loans, with no hidden fees or prepayment penalties. You can also earn credit card rewards, such as cash back and loyalty points, with a Citi personal loan.<\/p>\n
Borrowers can find out if they\u2019re pre-approved for a loan through an online evaluation process that may require some basic personal information, such as their yearly income and creditworthiness. Then, they can see a list of potential loan options and rates. If they decide to formally apply, they\u2019ll need to submit documents such as W-2s and pay stubs.<\/p>\n
Citibank\u2019s personal loan perks include no application, origination or prepayment fees and a quick turnaround for loan approval. It also offers a wide variety of repayment term options and the ability to receive funds via electronic transfer or by check. However, Citibank does not offer a co-signer or joint loan option, and its maximum loan amount is lower than what\u2019s available from other lenders.<\/p>\n
3. Upgrade<\/h2>\n
Upgrade is one of the most popular fintech companies riding the credit wave, with promises of personal loans and cards that will help you get out of debt. But the reality is that they\u2019ll steal plenty of money from you in the form of interest payments. They may also offer cash back or credit card rewards to keep you hooked. But those rewards are just a small percentage of what they\u2019re taking from you in the long run, and all those fees add up.<\/p>\n
Upgrade offers unsecured personal loans in amounts from $1,000 to $50,000 with terms of two to seven years. Borrowers can apply with a co-applicant to improve their odds of approval or access more competitive rates.<\/p>\n
Borrowers can check their loan terms and rates using Upgrade\u2019s online prequalification process, which does not impact their credit score. During the process, borrowers can indicate their desired loan amount, purpose and current income to see what rate they can expect to qualify for.<\/p>\n
Upon approval, funds are typically available within four business days. All loan proceeds are subject to a 1.85% to 9.99% origination fee that\u2019s deducted from the total amount borrowed. Additionally, a $10 late fee and a $10 returned payment fee are applicable.<\/p>\n
4. Lending Club<\/h2>\n
Founded in 2007, Lending Club was one of the original P2P lenders and has since expanded its offerings to include checking, savings and certificate of deposit accounts with great rates. It is a solid option for people looking to consolidate debt or make home improvements, and it also offers business loans. It\u2019s an excellent choice for those with good credit who want to earn a high interest rate on unsecured personal loans.<\/p>\n
The application process is quick and easy, with no surprises. It\u2019s possible to get prequalified with a soft credit pull, meaning it won\u2019t impact your score. It\u2019s also possible to change your payment date during the process, which can help you lower your total monthly payments.<\/p>\n
Lending Club loans are backed by the Federal Housing Authority, making them safer than bank loans. If you\u2019re worried about losing your money, you can always cancel the loan within three days of opening it. Lending Club borrowers can also prepay their loan without penalty, which can save them on interest charges.<\/p>\n
The company\u2019s help page is extensive and provides clear guidance on the process, rates, fees, eligibility requirements, repayment terms and more. It\u2019s worth reading through all the information before you apply. You can also use a search function to find answers quickly. Unlike some competitors, Lending Club allows you to add a cosigner, which means the cosigner is equally responsible for repaying the loan if you miss payments.<\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"
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