Find the Right Loan Type for Your Situation

256-bit encrypted Free service - lenders pay us, not you We match you with a licensed lender - we are not a lender

Choose a loan type if you know what you're looking for, or start with a borrowing situation if you don't.

By Loan Type

What it is: small-dollar loan with one repayment, usually over a short term. Typically $100–$500.

When it fits: you need a small amount fast and can repay it in full within a few weeks.

What it is: repaid in fixed monthly payments over a set term. Typically $500–$5,000.

When it fits: you need a larger amount or need to spread repayment over several months.

What it is: bank, credit union, or mainstream online lender loan, typically at lower rates than subprime options.

When it fits: you may qualify for mainstream lenders and want to check lower-rate options first.

What it is: "emergency loan" isn't one specific product - the right option depends on what you need and how much.

When it fits: you're dealing with an urgent situation and want to know where to start before choosing a loan type.

What it is: funding speed depends on the product type, the lender, and your bank - not all loans fund the same day.

When it fits: you need money today and want to understand what affects timing and what's realistic.

What it is: most online loans are deposited into your bank account - but "sent" and "available" aren't always the same moment.

When it fits: you want to know how loan funds reach your account and when you can access them.

Not sure which loan type fits? The links below can help you narrow it down from a different angle.

Want a side-by-side comparison? See compare borrowing options. Know how much you need? See loan amount ranges. Want to know what's available at your credit score? See guidance by score range. Need your state's rules and fee caps? See find your state. Dealing with an emergency and not sure borrowing is the right move? See emergency help - free options first.