FINANCE
Why 'Instant' Loans Take 48 Hours
The Approval vs. Funding Gap
Lenders offer instant eligibility decisions using software. The actual cash transfer operates on a separate, slower banking timeline.
The ACH Network Bottleneck
Most funds move via the ACH system, which requires one to three business days for the transfer to settle.
Compare True Funding Speeds
The full analysis compares 7 online lenders on actual time-to-cash, not just approval claims.
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