Instant Loans Online

Every now and then, you may need cash as soon as possible. If you apply for a quick lender online loan, you may get approved almost instantly and receive the money in your account within one day: sometimes on the same day you submit your application. With an instant loan online, you can get it without the hassle. Here's a closer look at what people can expect from fast online loans with instant approval.

How do instant online loans work?

Instant online loans offer short-term funds that you can collect very quickly. You can use these funds to cover a bill, car repair, or any other expense. Once you fill out an online application form for a quick online loan in just a few minutes, the lender can decide whether or not to approve you instantly. Upon approval, you may be able to receive the money in one business day. If you apply for an instant or quick online loan with Advance America, online application approvals by 10:30 AM EST can get you cash by the end of the day*.

Can I get an instant online loan with bad credit?

Even if you have bad credit, you may get quick loans with instant approval online. There are many lenders who offer instant online loans to borrowers, regardless of their credit scores. These lenders will look beyond your credit and consider other factors like your income, debts, and employment situation.

How fast can I get an instant online loan?

Instant online loan approval and funding times vary by lender. In many cases, you can receive your money the same day you apply, within 24 hours, or in a few business days. Either way, you won’t have to wait long to get approval and funding for an instant online loan.

Types of instant online loans

Here are some common types of instant online loans:

Payday loans

Payday loans are short-term, small dollar loans that can help you cover expenses before your next payday. You’ll typically repay these instant online loans in two to four weeks, depending on when you get your paycheck.

Installment loans

With installment loans, you’ll receive a lump sum of money that you can repay in fixed monthly payments, or installments. These quick online loans have a longer repayment period that can range from a few months to a few years, depending on the lender and loan terms.

Lines of credit

Lines of credit are flexible loans that let you withdraw funds as needed, up to your set credit limit. You can pay this instant online loan back in scheduled payments or all at once, and you’ll only pay interest on the amount you borrow.

Benefits of fast online loans

While there are a variety of benefits of quick or instant online loans, the most noteworthy advantages include:

  • Convenience

    You don't have to visit a bank, credit union, or other lender in-person to apply for an instant online loan. Simply fill out an online application from the comfort of your own home. This is great news for borrowers that lead a busy lifestyle.

  • Quick application process

    Most instant online loan applications are quick and easy to fill out. Since they require minimal information and paperwork, you can complete them in just a few minutes, from start to finish. Quick online loan applications with Advance America often take less than five minutes to complete.

  • Fast decision

    After you apply for a quick online loan, you'll get an instant approval decision.

    When we receive your instant online loan application before 10:30 AM EST, if approved, we'll join an instant decision with same-day funding. In the event you submit your application later in the day, your approved funds will land within 24 hours.

  • Cover your expenses today

    Instant cash online loans are ideal if you'd like to cover a medical bill or another unforeseen expense that may arise. While other types of loans can take days or weeks to approve you and deposit funds, quick fast online loans can give you the money you need right away. 

Where to get quick online loans

Quick or instant online loans are available through a variety of online lenders, including Advance America. Do your research and compare the rates, terms, fees and perks of all your instant online loan options so you can get the right one for your unique needs.

How to get a quick online loan

If you're interested in a quick or instant online loan, follow these steps. 

  • Choose a lender

    There are many lenders that offer cash loans online with instant approval. People should do their research and find a reputable lender that they'd like to borrow from. Then, visit the lender's website and access a loan application form. 

  • Fill out the application

    Fill out the short application form for a quick or instant online loan.  Keep in mind that you may have to answer personal questions related to your income and employment status. You'll also need to indicate how much money you'd like to borrow. Be certain that the application page includes a "https" to indicate security, with a lock icon to show that your personal info will be encrypted.

  • Submit the application

    After you fill out the application, glance over it a few times to make sure all of your information is accurate. Next, submit it and wait for the lender to make a decision quickly. 

  • Wait for the funds

    If you've been approved, you may receive your quick online loan funds within the next business day. Most lenders will deposit the money directly into your bank account. Advance America can also give you cash in hand by visiting one of our locations.

Which instant online loan is right for me?

The ideal instant online loan depends on your specific needs and preferences. If you only need a couple hundred dollars to hold you over until you get paid next, a payday loan is worth considering. An installment loan might make sense if you want to borrow a large sum of money and take your time paying it back. For flexible access to funds, you may want to get a line of credit.

Get an instant online loan today

Advance America offers a variety of fast or instant online loans with the different payment options. People can fill out a quick application for our payday loan or installment loan in just minutes. You can receive your cash as soon as the same day. 

*Online approvals before 10:30 ET (M-F) are typically funded to your bank account by 5PM ET same-day. Approvals after 10:30 ET are typically funded in the morning the next banking day. Bank days are Monday-Friday, excluding holidays.


The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
148+ million
loans issued
900+ stores
and online loans
25+ years
providing loans