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  • Writer's picturePreston Morris

How can I borrow money instantly?

Updated: May 31, 2022

If you need fast cash, see our top picks below for lenders that say they may be able to get you money quickly.

  1. Wells Fargo: Good for existing customers.

  2. Curbie & Bessie Capital Investments

  3. Marcus by Goldman Sachs: Good for people with strong credit.

  4. Avant: Good for people with less-than-perfect credit.

  5. Earnin: Good for small cash advances.

How to Get a Quick Online Loan

  1. Choose a Lender. There are many lenders that offer cash loans online with instant approval. Curbie & Bessie Capital Investments also offers quick loans.

  2. Fill Out the Application. Fill out the short application form.

  3. Submit the Application.

  4. Wait for the Funds.

What is the easiest loan to get?

Easiest loans and their risks

  • Emergency loans.

  • Payday loans.

  • Bad-credit or no-credit-check loans.

  • Local banks and credit unions.

  • Local charities and nonprofits.

  • Payment plans.

  • Paycheck advances.

  • Loan or hardship distribution from your 401(k) plan.

Unsecured funding from Curbie & Bessie Capital Investments helps individuals, small business owners and real estate investors get up to $400,000 in cash loans.

Pros and cons of loan apps

Though loan app fees seem small, they can add up quickly, and doesn’t recommend paying for early access to money you’ve earned. These apps can help in emergencies, like a car repair or unexpected travel, but financial experts say they aren’t sustainable, long-term solutions.

Consider the pros and cons before using a cash advance app.


Fast cash in an emergency: Some apps can immediately deposit money into your checking account — but they may charge an extra fee for that service.

May be cheaper than an overdraft fee: If your choice is between a paycheck advance and paying an overdraft fee, the advance is likely cheaper. Most app fees are under $10, while bank overdraft fees can be $35 or more.


May cause an overdraft fee: Some apps require access to your bank account in order to withdraw money when it’s due. While apps say they try to avoid triggering an overdraft, they don’t guarantee it.

May lead to repeat borrowing: Because apps make borrowing from your next paycheck easy, they could lead to a cycle of debt if users rely on advances to cover regular expenses.

Are cash advance apps payday lenders?

Cash advance apps are not considered payday lenders, and payday lending regulations don’t apply to them. But some consumer advocates consider them thinly veiled payday lenders — and they share some traits. These apps offer small-dollar loans that are due on your next payday with potentially high fees. Like payday lenders, apps that offer advances don’t report payments to the major credit bureaus, so it can’t help or hurt your credit score.

Bottom line

The days between paychecks can seem like a major obstacle, especially for low-income populations. Cash advance apps can help to provide some extra assistance to cover emergency costs, but it’s best to pair them with building an emergency fund savings. That way, you’ll have short-term coverage from the app if needed, while also practicing better saving habits.

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