This depends on your needs. If you’re looking for a personal loan, you should consider the amount you’ll need and your credit situation. Our top choice, MoneyMutual, offers a large network of lenders, but only offers short-term loans of up to $2,500. Short-term loans up to $5,000 Online marketplace of lenders Funds available in as few as 24 hours Simple online form takes less than 5 minutes Trusted by more than 2 million customers Not available in NY or CT See official site, terms and details. 4.8 PersonalLoans.com , on the other hand, offers qualified applicants up to $35,000 and 72 months to repay larger loan amounts. Loan amounts range from $1,000 to $35,000 All credit types welcome to apply Lending partners in all 50 states Loans can be used for any purpose Fast online approval Funding in as few as 24 hours See official site, terms and details. 4.4 These are unsecured loan offers, which means you won’t have to offer an item of value — such as your home or car — as collateral for approval. Every network’s lenders offer fast approvals and funding. Most provide next business day funding to a linked checking or another bank account. Speed shouldn’t play a factor in choosing the best online loan because most move quickly.