If you have great or excellent credit, this may be an option for you since most banks don't give personal loans anymore. Apllied on Thursday afternoon, entire process took maybe 10 minutes on the phone, no documentation was required since my FICO score is 823 and I have a Discover card with a high, 95% unused credit limit. It is now Tuesday early AM and the funds were deposited into my account over night. Excellent service, very satisfied 6.99% interest rate, auto pay over 3 years (the minimum possible) for $5000 loan @$154/month. I'm satisfied.