{"id":2039,"date":"2022-01-18T15:47:39","date_gmt":"2022-01-18T20:47:39","guid":{"rendered":"https:\/\/capitalbean.com\/?p=2039"},"modified":"2022-09-14T11:49:43","modified_gmt":"2022-09-14T15:49:43","slug":"how-can-i-get-a-loan-on-the-same-day","status":"publish","type":"post","link":"https:\/\/capitalbean.com\/guides\/how-can-i-get-a-loan-on-the-same-day\/","title":{"rendered":"How Can I Get a Loan on The Same Day?"},"content":{"rendered":"<p>If you are looking to receive funds on the same day as being approved for a loan, there are different options available for <a href=\"https:\/\/capitalbean.com\/same-day-loans\/\">same day loans<\/a>. These loans can usually provide you with quick funds, although typically incur higher-than-average fees and interest rates.<\/p>\n<p>&nbsp;<\/p>\n<h2>Is it Possible To Get a Loan on The Same Day?<\/h2>\n<p>Yes. Some loan providers offer quick turnaround times meaning that you could receive money directly into your account on the same day that you are approved for the loans. Typically, this is more common with online lenders; however, some banks and credit unions could also offer same day loans.<\/p>\n<p>&nbsp;<\/p>\n<h2>Key Points<\/h2>\n<ul>\n<li>Same day loans are available from certain loan providers<\/li>\n<li>These loans can get you access to funds on the same day that you are approved for the loan<\/li>\n<li>The quick funding of same day loans usually makes them a more expensive way to <a href=\"\/\">borrow money<\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>What Are Same Day Loans?<\/h2>\n<p>Same day loans are a type of loan that can enable the borrower to receive funds on the same day that they have been approved for the loan. However, due to the quick funding and the typically short loan terms, it is known as a more expensive way to borrow money.<\/p>\n<p>For example, payday loans, a type of same day loan, have some of the highest annual percentage rates (APR) on the market, with an average of 400%. Personal loans, on the other hand, have an average APR of 9.58%. Thus, same day loans should only be used if absolutely necessary.<\/p>\n<p>Because time is of the essence for borrowers wanting same day loans, lenders can facilitate this, but at a cost. If you are able to wait longer to receive funds, this is always a better option as you can usually get far more competitive rates.<\/p>\n<p>What options are there for getting a loan on the same day?<\/p>\n<p>There are a few different types of same day loans, all of which enable borrowers to receive funds the same day that they have been approved for the loan:<\/p>\n<p>&nbsp;<\/p>\n<h2>Payday Loans<\/h2>\n<p>Payday loans, as the name might suggest, are used to provide money to borrowers until their next payday. They are designed for any unexpected costs that may arise in between paychecks. Due to the emergency nature of what the funds are used for (for example, home repairs and medical bills), they require immediate or very fast access to funds.<\/p>\n<p>Unlike other loan types, payday loans usually have a limit on how much you can borrow and this figure tends to be quite small (the average person will <a href=\"\/\">borrow $500<\/a> or less). When taking out the loan, borrowers will need to provide bank details or a blank check. On the due date, the amount could be withdrawn directly from your account or the lender can cash the check. The final amount will be the principal amount plus additional fees and interest.<\/p>\n<p>One of the reasons that payday loans can be processed so fast, and a large part of why they are popular with borrowers who need same day loans, is that they do not require a thorough credit check. THis means that those who have less-than-perfect credit are also eligible to take out this type of loan. However, because of this flexibility, they have some of the highest interest rates on the market.<\/p>\n<p>On average, for every $100 borrowed for a payday loan, there is a fee of $15 per two weeks, leading to an average APR of around 400% (Source: <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-are-the-costs-and-fees-for-a-payday-loan-en-1589\/\">ConsumerFinance.gov<\/a>). Many payday loan borrowers are unable to repay the loan on the due date meaning that they rollover the loan and continue to accumulate interest. This is why payday loans are often associated with borrowers getting into a vicious cycle of debt.<\/p>\n<p>&nbsp;<\/p>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2226 size-full\" src=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/how-to-get-a-loan-on-the-same-day.jpg\" alt=\"how-to-get-a-loan-on-the-same-day\" width=\"640\" height=\"426\" srcset=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/how-to-get-a-loan-on-the-same-day.jpg 640w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/how-to-get-a-loan-on-the-same-day-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/h2>\n<p style=\"text-align: center;\">Payday loans, title loans and pawnshop loans are all examples of loans you can relieve on the same day as being approved.<\/p>\n<p>&nbsp;<\/p>\n<h2>Title Loans<\/h2>\n<p><a href=\"https:\/\/capitalbean.com\/guides\/what-is-a-title-loan\/\">Title loans<\/a> are a way of receiving loans on the same day by putting up your vehicle as a form of collateral. For that reason they are a type of \u201csecured\u201d loan as you are securing the loan with your car or other vehicle.<\/p>\n<p>With this type of same day loan, the lender will keep hold of your car title and lend you a certain amount of money. During this time, you are still able to use your car; however, if you default on any loan payments, the lender could repossess your car.<\/p>\n<p>Like payday loans, title loans are a good option for those looking to access funds quickly as they rarely require a thorough credit check. This means that not only do they allow quicker access to money, they are also a good option for those who are concerned about poor credit score.<\/p>\n<p>However, similarly to payday loans, the quick access to funds comes at a price. Fees will vary between lenders but an average financing fee may be around 25% per month (the equivalent of 300% APR). Additionally, you risk losing your car if you default on any payments.<\/p>\n<p>&nbsp;<\/p>\n<h2>Pawnshop Loans<\/h2>\n<p>Pawnshop loans are a type of same day loan that allow borrowers to use something of value as collateral for a loan. This can be items such as electronics, jewelry or antiques, which are then pawned for money. Pawnshop loans will give you cash for the value of the item and, in turn, the pawnshop will keep hold of the item until you are able to repay the debt.<\/p>\n<p>The exact fees for pawnshop loans will vary from shop to shop, although the <a href=\"https:\/\/www.nationalpawnbrokers.org\/\">National Pawnbrokers Association<\/a> suggests that an average fee might be around 20% on $80; this is the equivalent of an APR of approximately 240%.<\/p>\n<p>&nbsp;<\/p>\n<h2>Who Provides Same Day Loans?<\/h2>\n<p>There are a range of online lenders who specialize in same day loans, in addition to certain banks and <a href=\"https:\/\/capitalbean.com\/guides\/what-is-a-credit-union\/\">credit unions<\/a>.<\/p>\n<p>Although banks are sometimes able to provide same-day loans, it is usually an exception and reserved for customers with perfect credit. Typically, loan approval via banks takes far longer than online lenders meaning that the process can take multiple business days or even weeks.<\/p>\n<p>Some credit unions are able to provide same-day options, enabling you to have funds deposited directly into your checking account either on the same day or within 1-2 business days. However, this varies between unions and you will need to be a member.<\/p>\n<p>Personal loan providers are typically unable to offer same-day approval and funding; for these types of loan providers, the process will most likely take at least 2 business days.<\/p>\n<p>&nbsp;<\/p>\n<h2>What Alternatives Are There For Same Day Loans?<\/h2>\n<p>If you need immediate access to money but are concerned about taking out a same day loan, there are other options available:<\/p>\n<p>&nbsp;<\/p>\n<h3>Credit advance<\/h3>\n<p>For credit card holders, it is usually possible to take out a cash advance from a bank or cashpoint. This provides immediate access to cash but usually incurs high fees and high interest rates; although, typically not as high as a payday loan or other same day loan.<\/p>\n<p>&nbsp;<\/p>\n<h3>Borrow money<\/h3>\n<p>If you choose to borrow money from friends or relatives, this could be a good option for avoiding the high interest rates associated with same day loans or negatively impacting your credit score. However, you will need to have a clear repayment plan.<\/p>\n<p>&nbsp;<\/p>\n<h3>Talk to your employer<\/h3>\n<p>Depending on your work situation, it might be possible to advance your wages if you are in need of emergency cash &#8211; <a href=\"https:\/\/capitalbean.com\/guides\/can-i-get-financial-assistance-from-my-workplace\/\">see financial assistance from employers for more information<\/a>. This prevents the need for a high-interest loan and also means that you avoid repayment as it is money that you have already earned and comes directly out of your wages.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are looking to receive funds on the same day as being approved for a loan, there are different options available for same day loans. These loans can usually&#8230;<\/p>\n","protected":false},"author":5,"featured_media":2040,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"_yoast_wpseo_title":null,"_yoast_wpseo_metadesc":"Do you need a payday loan on the same day? Follow these top tips to get your money within 24 hours. Read our guide from Capital Bean here >>","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Can I Get a Loan on The Same Day? | Capital Bean<\/title>\n<meta name=\"description\" content=\"Do you need a payday loan on the same day? Follow these top tips to get your money within 24 hours. Read our guide from Capital Bean here &gt;&gt;\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/capitalbean.com\/guides\/how-can-i-get-a-loan-on-the-same-day\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Can I Get a Loan on The Same Day? | Capital Bean\" \/>\n<meta property=\"og:description\" content=\"Do you need a payday loan on the same day? 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