Apply now, get funded today — fast cash when every hour counts
Fast approval, funds within 24 hours
Sometimes tomorrow is too late. When you need money today — not next week, not in a few days, but today — same day loans deliver. These are personal loans designed with one priority: getting approved funds into your bank account within hours, not days.
Same day funding is possible because the entire process is digital. No branch visits, no paper applications, no waiting for documents to be mailed. You apply online, get matched with a lender, review your offer, and if approved, the money moves electronically to your account.
At NeptuneLoan, we work with lenders who prioritize speed. Many of our lending partners offer same day ACH transfers or even instant funding to eligible borrowers. The key is applying early in the day and having your documents ready.
Same day loans follow the same basic process as any personal loan — but everything moves faster. Here's what to expect:
Complete our simple form with your basic info, income, and banking details
We connect you with lenders most likely to approve and fund quickly
See your rate, terms, and total cost — accept only if it works for you
Money deposited directly to your bank account
*Same day funding available for applications approved before 10:30 AM ET on business days. Actual timing depends on your bank.
Want the best chance of getting funded today? Follow these tips:
Not all "fast" loans are created equal. Here's what different funding speeds actually mean:
| Funding Type | When You Get Money | Requirements |
|---|---|---|
| Same Day ACH | Within hours (same business day) | Apply before ~10:30 AM ET |
| Instant Transfer | Minutes (via debit card) | Eligible debit card, may have fee |
| Next Day ACH | Next business day | Standard for most loans |
| Standard Transfer | 2-3 business days | Traditional bank processing |
To qualify for a same day loan:
Our entire platform is optimized to get you from application to funding as fast as possible
We specifically partner with lenders who offer same day and next day funding
No unnecessary steps, no waiting for callbacks — just a streamlined path to funding
Bank-level encryption keeps your information safe throughout the process
The earlier you apply, the better your chances of same day funding. Use the loan selector above to get started — it takes just 2 minutes and won't affect your credit score.
See your rate, review your options, and if approved, get money in your account today.
Disclosure: NeptuneLoan is not a lender. We are a loan matching service that connects borrowers with independent third-party lenders. Loan approval, terms, and funding are determined solely by the lender. APR ranges from 5.99% to 35.99%. Actual rates depend on the lender and your creditworthiness.