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Personal Loans Fast As Lightning

Connect With A Lender In Seconds

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Is CreditLightning The Best Choice For You?

The simple answer is YES for the following reasons:

Quick Application

Submitting your online application only takes a few minutes      

Search Multiple Lenders

Unlike other options, we search multiple lenders to find the best option for your personal loan needs

Real-Time Decision

Get an instant decision within minutes
of submitting your application

Cash By Tomorrow

Funds may be deposited directly to your bank account as soon as the next business day

Frequently Asked Questions

The amount a lender or lending partner is willing to give you depends on how they evaluate a number of factors, including your state of residence and applicable legal restrictions (loans are not available in all states). Many lenders or lending partners in our network can lend between $100 and $5,000.

Most lenders or lending partners require you to:

  1. Be employed in your current position for approximately 90 days;
  2. Be at least 18 years old, and a US citizen or a permanent resident;
  3. Have an income of approximately $1,000 per month after tax withholdings; and
  4. Have a valid email address, work phone number and home phone number.

It should only take a few minutes to complete our secure online form. After we receive your information, we immediately start looking for a lender or lending partner that is willing to work with you. You should have a response from one of our lenders or lending partners within minutes. Final approval and funding is often done in as little as 24 to 48 hours.

We use industry-recognized security and advanced encryption technology to protect your personal information. Your information is transmitted and stored securely in an encrypted format. Please review our privacy policy for additional details.

Speed

Our service is fast. We may be able to connect you with a lender or lending partner to offer you a loan as soon as the next business day. The next step is to complete the request form so we can speedily connect you with a lender or lending partner that is ready to work with you.


SAFETY

We protect and secure your personal information. A number of websites claim to offer some sort of quick service to connect you with lenders or lending partners, but be careful! Some websites are actually designed to infect your computer with viruses and malware that steals sensitive information like your bank account number. Be aware of unsecured websites making false claims about their security technology.

Convenience

Get a quick and convenient loan from the comfort of your home. We have a large network of lenders and lending partners, so getting connected with one of them is easier than ever. Just fill out our online form from your computer or smartphone, and get a decision right away.

How Much Will You Qualify For When You Apply Today?

Fill out the quick online form above, get connected to a lender, and get your cash lightning fast!

Get Money Today So You Can Pay...

For Unplanned Emergencies

We all need a little extra cash once in a while. Whether your car broke down, or you need to repair an item in your house, a quick cash loan can go a long way to help with unexpected expenses.

For Your Bills

Keeping up with monthly bills can sometimes feel overwhelming. If you’re struggling to keep the lights and heat on, consider using CreditLightning to find a personal loan that can help in a time of need.

For Anything Else That Comes Up

Get the money you need at the moment you need it, no matter what it’s for. For all of life’s unexpected expenses, CreditLightning is here to connect you to a lender that can help.

CreditLightning APR Disclosure & Range

CreditLightning is not a lender, which means that we don’t have any control over the APR you’re offered. We use data from many different lenders to show you a representative APR. The APR, loan amount, and repayment terms will vary depending on your creditworthiness, the state you live in, and the lender/lending partner. If you qualify, you may be offered a loan with an APR between 4.95% and 35.95%, with loan repayment periods ranging from a minimum of 61 days to a maximum of 72 months. Even though many lenders offer these rates and terms, they are only available to certain customers. Some lenders, loans, and terms are only available to residents of certain states due to lender preferences and state laws. 

Below is a table of sample interest rates to use for informational purposes only. It may not reflect the APR or terms that you’re offered. The repayment terms listed are for closed-end loans, and might not represent all loans or loan products offered in CreditLightning’s network of lenders.

Examples of Costs & APR

Loan Amount$1,000$2,000$5,000$10,000
Interest Rate24%19%13%7.90%
Loan Term12 Months24 Months48 Months60 Months
Fee3%5%8%10%
Fee Cost$30$100$400$1,000
Repayment$94.56$100.82$131.67$202.28
APR29.82%24.12%18.23%9.20%
Total Payments$1,134.72$2,419.68$6,320.12$12,136.80
Total Costs$164.72$519.68$1,720.12$3,136.80

Representative Example of Qualified Customers

If you’re issued a loan of $5,000 with a 48-month repayment period, and the loan has an 8% arrangement fee (which equals $400), your monthly payment would be $131.67 and the total repayment amount would be $6,320.12. Including the 8% arrangement fee, the total cost is $1,720.12 making the representative APR 18.23%.

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Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.This website is not an offer to lend. CreditLightning.com is not a lender or lending partner and does not make loan or credit decisions. CreditLightning.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. CreditLightning.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. 

CreditLightning.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, CreditLightning.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where CreditLightning.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing CreditLightning.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize CreditLightning.com to share your information and credit history with a network of approved lenders and lending partners.

Lender’s or Lending Partner’s Disclosure of Terms

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. CreditLightning.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.