You can apply for a Personal Loan any time. If approved in store, you typically can walk out with money in hand or deposited to your bank account. If applying online, online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next business day. Funding options may vary by state.