CLF loans
CLF loan menu

AD: Debt Relief? Loan / A+ Rating wt Better Business Bureau

Overnight Loan – 10000, 5000, 3000 Dollars

overnightloansfor10000500030001-2Overnight loans are generally applied for, and approved, when a potential borrower applies with an online lender and is funded very quickly. These are usually payday loans for 1500 dollars or less. However, lately we’ve been seeing loan applications filled out and submitted overnight and a 24 hour approved disbursement up to $3000 is funded by the time the sun rises. Sometimes as high as $5000 as well. $10K and you are pushing it for sure. Some of the newer lenders this year are approving loans faster than every before – even without collateral.

These kinds of loans are not so easy to find anywhere – including your local banks conventional lenders, and the so-called online lenders. There are very few in existence.

Note: for the remainder of this post, the term “overnight” may be signified with the acronym ON on, in bold and capped text.

There are some reputable banks and lending institutions that provide the odd overnight loan, but generally for smaller amounts, and these kinds of micro-loans are usually under 3000 dollars. Your average quick, 24 hour loan, is for even less than that – more like 1500 or 1000 dollars total. When it comes to fast personal loans you are generally going to be seeing payday loan companies flogging their high-yield products.

In short, the fastest overnight loan you can get is online, and it’s usually for less than 500 dollars. What we want to talk about in this article, is getting an overnight loan for higher amounts, such as 10000 dollars, 5000 dollars, and 3000 dollars – and I mean non-payday loans and/or cash advances.

Interest Rates on Overnight Loans

When you get an overnight loan there is an interest rate issue (or APR issue). We need to discuss this here before we set out to present the possible approval of a 10000, or 5000 dollar loan. Without question the credit bureaus will be contacted digitally to check out your credit rating and FICO score.

It doesn’t matter if you are applying online in the wee wee hours of 1 AM, 2 AM, or 5 AM – your application will be processed during normal business hours. Statistically speaking, most borrowers apply between 9:00 AM and 1:00 PM, Monday – Friday, and the vast majority of applications are processed by staff members during typical business hours. So in short, if you want an overnight loan approved, you better have the application filled and submitted by 9:00 AM EST (Eastern Standard Time).

Back to the issue of your credit score. If you want to be approved overnight for funding, and I mean having the money deposited into your checking/savings account the next morning, y0u better be prepared to pay an interest rate that is quite high. If your credit score is fairly low (such as a FICO score between 500-600) you can expect an APR of between 10% and 20%. I’ve actually seen higher interest rates from overnight lenders than that – imagine that! In that case don’t bother.

Math on a $3,000 Dollar Overnight Loan

A 3000 dollar loan applied for and approved overnight, or in one 24 hour period is the most common for loans over $1500. Here we will do some math on a typical overnight loan for 3000 dollars. Note the principal loan, the interest rate costs, and compare that with the 10000 dollar loan and the 5000 dollar loan presented below. When I say desperate, I really mean it, because borrowers who need money that fast have to be desperate.

ON Loan Amount = $3,000
Interest rate on ON loan = 12%
Payment Schedule on ON loan = biweekly (payment every 2 weeks or 5 days)
Length for total ON = 2 Years

Cost on a 3000 dollar overnight loan

Total Amount to be paid on ON loan = $3,366.92
Total amount of interest ON loan = $366.92
Payments every 14 days or two weeks on ON loan = $64.57

Note that for this overnight loan of 3000 dollars the total interest to be paid over the 2 year term is three hundred sixty six dollars and 92 cents. The payments every 2 weeks (or fortnight; or 14 days if you prefer) are sixty four dollars and fifty seven cents. Not a terrible cost of borrowing, but it could be much less or much more – depending on opening and closing fees. Not to mention the cost of penalties for missed payments and the like.

Math on a $5,000 Dollar Overnight Loan

A 5000 dollar loan applied for and approved overnight, or in one 24 hour period is not as common if you look at the statistics for personal loans given out over a 24 hour time period, but nonetheless we should calculate these results as well. You can see below that the cost on this 5000 dollar loan is going to be much more than the 3000 dollar loan example above. See the 22% interest rate and the 3 year overall term of the loan.

ON loan Amount = $5,000
Interest rate on ON loan = 22%
Payment Schedule on ON loan = monthly (payment end of every month)
Length for total ON loan = 3 Years

Cost on a 5000 dollar overnight loan

Total amount to be paid: $6,695.52
Total amount of interest $1,695.52
Payments: $183.44

Notice that in this example the borrower is on the hook to the lender for interest costs of one thousand six hundred and ninety five dollars and 52 cents. The borrower’s payment comes to a total of one hundred and eighty three dollars and forty four cents. I know that this is more expensive in regards to a 24 hour loan, but I’ve seen worse than a 22% APR before.

Math on a $10,000 Dollar Overnight Loan

Now for the big daddy of all 24 hour loans – the 10000 dollar overnight loan. In this example the lender is giving our borrower a very reasonable interest rate of 6% on the buck. Here you will see that the payment schedule is once a month as in example #2. The length of this overnight loan is 5 years which will mean the lender will do quite well on the this product.

Overnight Loan = $10,000
Interest rate on ON loan = 6%
Payment Schedule on ON = monthly (payment end of every month)
Length for total ON = 5 Years

Cost on a 10000 dollar overnight loan

Total Amount to be paid on ON = $11,524.7
Total amount of interest paid on ON = $1,524.71
Monthly Payments paid on ON = $189.45

See how the total interest paid on this overnight loan is one thousand five hundred and 24 dollars and 71 cents. The monthly payments are fairly hefty at one hundred and eighty nine dollars and forty five cents.

What to Watch Out For When Applying For an Overnight Loan

Whenever you apply for an overnight loan you have to make sure that you are dealing with a reputable lender. A legitimate overnight lender will charge you a reasonable APR on the funding, and they will never ask you to make ANY kind of payment up front. We at CLF have been trying to pound this warning home more and more lately as we have been hearing about some loan shark companies asking for some kind of fee, or opening payment.

clf spacer

Below Are Some Related Publications You May Find Interesting

Do You Need a Personal Loan Approved Today? Use the comment form below to alert our lenders of your requirement - use your FIRST NAME ONLY for this initial pre-app loan request.

Use the comment box at the bottom of this page and tell us,

- how much you need to borrow
- what type of loan product you need
- what City and State you reside in
- what your credit score numbers are
- how quickly you need the loan

Your email is never made public, saved, or shared. Your privacy
is never compromised.

Unkind words will not be published.

Thanks for visiting ;-)

BELOW IS A LOAN CALCULATOR FOR CARRYING OUT SOME LOAN CALCULATIONS-------------------------------------------- Enter the loan amount, year of term, interest rate, and payment periods (14 for biweekly, 30 for monthly, 7 for weekly. Very helpful so you know exactly what the loan will cost you in interest payments and you will know the total COB (cost of borrowing).
Loan Amount:



Days between payments:
30 for a Month, 7 for Week
and 14 for Bi-Weekly. Easy!

When filling out your initial loan request, use FIRST NAME ONLY and NO PHONE NUMBERS please. This is for your privacy and security. Thank you for using!

Before you submit your pre-app MAKE SURE you first read the instructions here!

If you don't find a pre-app form at the bottom of this page that just means we're no longer taking applications here.

BUT NO PROBLEM! We've got you covered! You can apply on a different page. Follow these instructions closely please.

40 Pre-apps

  1. mark packer wrote:

    I need to pay off some bills and am getting a 70,000 dollar early withdrawl from my pension 3rd week of next month but need money now to hold my house and pay bills please help this can easily be verified

  2. mark packer wrote:

    need money today to pay bills and house payment recieving large pension next month

  3. Carly wrote:

    So where do you think I should apply for a loan that I can get approval on over night? Or at least in 24 hours. We are desperate to get a loan ASAP and we are having trouble finding ANY bank to approve us. Our credit isn’t that bad either. So frustrating.

  4. CLFadmin wrote:

    @carly – I know it’s really frustrating to get approved for an overnight loan by the banks these days. Even online lenders!

    Have you tried using a local credit union, or moving your finances to a credit union and then applying with them?

    Most banks will be more flexible giving you a loan if handle all your finances with their bank.

    Have also tried getting approved with the list of overnight lenders we have listed on our approvals page. You can do a search for “lenders” in our search box at the top/right of our page.

  5. Mrs Kate wrote:

    My name is Kate Smyth, I saw your message online requesting for a geniune private loan provider (lender) online. I would advise you to be very careful because some lenders
    online are fake. We finally found a lender that lent us over $800,000 USD from a lending institution that is online (and offline) that has really good customer service.

    This is a reputable bank and they were very reasonable with interest rates and fees. I would recommend them as a true, legit, lender. They have honest employees and honest loan agreement documents (without misleading small print). A good friend of mine turned me on to this lending company, and I’m passing in on hear to the readers of California Loan Find. By the way, California Loan Find is just a name because this site has good information on sub-prime lenders anywhere in the world.

  6. CLFadmin wrote:

    Hi Mrs. Kate. Little bit confused here because you left this message about an honest lender that lends at good Interest rates for large amounts of money. Over eight hundred thousand dollars is a crazy amount of money to be lending as a cash loan, and I would like to hear the details of the collateral, and/or assets the bank accepted for security.

    Also, what is really weird is that you didn’t leave contact information for this “legit” lender.

    Please add the contact information so our visitors can sniff this lender out for themselves.

  7. Mr Brent Timmonsbren wrote:

    I am legit loan lender that offer loans to serious minded customers only at 3% interest email contact is [

  8. Markus Orelious wrote:

    So Brent, have you got any loan/borrower leads of the comment you put on CLF?

    Just wondering if lending money through other people’s blogs works?

    Not being tongue-in-cheek here either – really…..wondering.


  9. Lee Litif wrote:

    I would like a $6000 dollar loan to pay rent, food, and travel. I make $1300 a month and work for the City of Boston. I am 46 years old. Thanks in advance.

  10. CLFadmin wrote:

    Have you tried all your reputable local lenders Lee? If so, what did they tell regarding reasons for declining your loan??

    More info needed.

  11. Alice wrote:

    ClFadmin; Yes, you said you found a good honest lender, but you didn’t leave the name of the lender so others may check it out. Are you bluffing us, or not – what’s up? Why even write an Email about this lender if you are not willing to give out their name, contact information, and possible web site address?

  12. CLFadmin wrote:

    Hi Alice, that was actually a visitor who left a comment saying she new of a “good lender”, and she must be representing a lender she is working (or brokering) for. She in not a CLF member, writer, or financial underwriter.

    As far as getting approved for a personal loan goes, there many pages on Californai Loan Find that point out lenders.

  13. Mrs. A wrote:

    So, I’m trying to find a legitimate place to get a substantially large loan. (Well, for me anyway.) I’m looking for $25,000. This would alleviate all stress in my life.

    Currently, I’ve looked at TONS of online sites trying to get this “fast” money. My husband and I are in the process of divorcing, I just found out I have cancer, and right now, my 8 month old daughter and I are living with my parents. (That’s the biggest kicker.) I need this money so terribly. It would fix my marriage, get mine/my husbands credit built back up, and get us entirely out of debt to start looking for somewhere else to live.

    Where do I go to get this much money, and nearly overnight? I’ve got a good credit score, but unfortunately, no collateral, so you can cancel out nearly every bank as far as lending money goes.

    Any suggestions? 🙂

  14. Jennifer wrote:

    I am currently in nursing school and do not have a job. I owe close to 3000 in credit card debt and I’m behind on payments. What should I do? I’m at my wits end.

  15. Susan wrote:

    I’m looking for a $5,000 loan and would like some names of actual lenders. I have a bankruptcy that was discharged in May of this year.

  16. Vickie G. wrote:

    I need a 5000 loan to pay off two bills, my mother’s property taxes (she now resides in a nursing home), X-mas for our 10 grandhildren and extra cash. I am on SSI due to a work injury and my husband is employed fulltime with the same place for 37 years.

  17. Elsa T. wrote:


    I am very desperate for an unsecured loan of $20000. I have stayed behind on a lot of payments and payday loans. Reasons,brother sick,passed away,mother pulmonary embolism,husband total knee replacement and getting back disk surgery coming month. So as you can see how desperate I am to find a lender to help me catch up and payoff everything and stay with one payment of at least $500 per month. I have a good job earn gross pay 4200 but I just can’t keep up. By getting this loan I would be able to pay my debts and get my credit score up.

    Please I beg anyone to give me the chance to prove that I can pay the loan back the circumstances from this past few years has placed me in a very low score and I want to bring it up and not loose my home either.
    I have submitted donation requests just to get fake checks and money orders, I don’t understand how can there be so very bad and mean people that enjoy playing with our feelings. Thank you.

    Elsa T

  18. Albert Pena wrote:

    Hello, I would like to thank you for your services. I’m dealing with a law firm fixing my credit up. One thing i found is that there is like five bankrup on my credit that where filed wrong. the judge dismissed them and i can get copy’s of them from the court house. also there where a tax lein that is no longer in a valid. I’m going through a divorce and i’ve found alot of issues on the report. Thank you.

  19. Richard W Corwin IV wrote:

    I need $3000 to for my security deposit and 1st months rent on a new rental. I live in Virginia and I need it by wednesday.

  20. Joan wrote:

    I need 2000.00 for car repairs and new tires.
    I need it by Friday.
    I am dealing with a law firm to fix my credit. A few years ago my on time morgtage payments were “robo signed” to a debt collection agency. The agency didn’t credit my payments to my mortgage. I filed for bankrupty and it was dismissed.
    I have been freelancing and a price auditor and product demonstrator. My income has been down the past few months due to my car problems.
    I was making about $1000.00 a month before my car broke down. I also get $937.00 every month from an annuity and $498.00 from an IRA. In April, 2016 I will start collecting $1,254.00 a month in Social Security.

  21. kyle wrote:

    hello, im looking for a loan in amount of $27,000.00 , I work full time, monthly income $2500.00 a month. had some stuff come up last fell behind on bills. please help.

  22. Steve wrote:


    My name is Steve; I am 56 and live in Richmond, VA. I don’t know if you can help me or not, but my wife and I are in desperate financial shape due to a year long and catastrophic health issue involving me. The health issue that I experienced is 2 back-to-back lower back surgeries on my entire lower spine (L1-S1 fusion) – a Laminechtomy (a 4 hour surgery in Oct. of 2015), which unfortunately didn’t work, and then a second MAJOR surgery on March 9, 2016 – which was a 10.5 hour fusion surgery of my L1-S1. However, I have actually been out of work since June 2015 – ironically I AM a lender (25 years as a commercial mortgage banker), but my credit is now bad as a result of the last year. I had to leave work last June as a bank vice president because of my health. I am now 1 year down the road; my back is somewhat better now after the second surgery, but because my back is still not properly fused (my doctor says it will take up to a year for this to happen), I have only just now healed up enough to start looking for work again, but there only certain jobs that I can do. My wife works for Capital One from home, but even working overtime and 70 hour weeks, she does not make enough to support us on her salary alone. Plus, while she is entitled FMLA to be with me when I need to go to the doctor, she can go and claim FMALA, BUT THAT IS UNPAID TIME. So what little she was making and has been cut even more in order to be with me at the hospital. I should add that in addition to the two major hospital visits, I have also had to make NUMEROUS ER visits before, in-between, and after each surgery due to extreme post-operative back pain. As a result of all of this, we are months behind on rent, my child (from a previous marriage), and many other bills in general. We have asked for $20,000 broken down as follows: $10,000 now to clear up what we owe (just barely), plus an addition $10,000 to help with bills until I can find work. I should add that I have been doing some “catch-as-catch-can” work from home as commercial real estate consultant. I am owed a large fee (about $50,000) on a deal that is process, but I will not collect that until about Nov 2016. If $10,000 is all that you can do, that will work, but time is desperately short. We have bills coming due on Monday Aug 1, 2016, and have no way to pay them. Or landlord has been great so far but if we can’t him at least some of the arrearage, about $5,000, on Monday, we may get evicted. Don’t know if you can help, but if so, here is my number: (removed for privacy. I would be glad to talk to you! I can also provide proof of my hospital visits and medical history to substantiate my claims above regarding my surgeries and my numerous hospital visits! Thank you for at least considering my request. By the way, assuming my health fully returns to normal over the next year or so, one of my greatest dreams is to start a major animal rescue sanctuary here in Virginia. We hope a large piece of land and hire appropriate staff to try and save as many abused, lonely, and frightened animals as we can and give them a safe place to live. We also wish to fund several other charitable organizations as well. My greatest goal would be to someday have millions of dollars just so I could give it all away. And if that seems hard to believe, please call me, and I believe I can persuade you of my earnestness in succeeding in these two broad endeavors. I am who I say I am; my situation is real, and my desire to help others is real as well over the rest of my life, because I STRONGLY believe that is why we are here in the first place to help others. In the meantime, I hope you can help me! I am trying and willing to go back to work, and am working a little now, but payment for my “consulting” work now is a few months off. We have real needs NOW! Thank you for considering my request, regardless of the outcome!

  23. Pawel wrote:

    Hi im looking for a 100,000 loan to pay off a lot of bills .i work 2 jobs and make around 2500-3000 a month. I could use it asap thanks.

  24. Ronald wrote:

    I would like to see if I qualify for a 10,000 loan to pay off existing debt.

  25. Mark wrote:

    Hello I just wanted to thank you for the support to help others and that is why you are so blessed to help others. thanks

  26. jane wrote:

    We are rehabbing a home and would like to borrow

    We are fixing a home up for resale and would like extra money.

  27. hiroki wrote:

    I need a loan for $6000. I am a college student and need the money to help pay the rest of my tuition. I am maxed out on financial aid from both Mercer University and the Government. I live in Warner Robins Georgia. Last time I had my credit checked was about a month ago by my financial institution and if I remember correctly it was over 650. I need this loan like yesterday. If I don’t get my tuition paid for Mercer is going to unenroll me from my classes and I will have to wait until the fall to continue my education

  28. Lyndsey wrote:

    I badly need $5000 today to take care of some personal things.

  29. Joanne wrote:

    I am in need of a $10,000.00 dollar loan to cover the balance on my mother’s funeral and the excess I can pay off my small amounts of debt.

  30. Angel wrote:

    I am looking for a 15000 loan to eliminate some high interest debt that I incurred due to gaining custody of 2 children with a lot of medical issues. My credit score is in the 560 range due to late mortgage payments but all of my other payments have been on time and never missed. If I could get this loan it would eliminate payments on several things and consolidate into one so I can get back on track. I am in Ohio and have resided in the same home for 15 years and employed with the same job for 17.My net income is around 3400 a month with a part time job as well. This would help us so much and get us back to where we need to be and eliminate a lot of debt. I would love to have the term of the loan for no more than 3yrs. And hopefully an interest rate of no more than 18%. Thank you for your consideration.

  31. sabrina wrote:

    i got information thanks

  32. Randy wrote:

    I am Randy I am in need of a $5000 loan immediately if possible.I was just told I need I need a liver transplant and I need the loan for medical expenses.I have aFico 525 I draw Social security and VA $4000 month please if anyone can help me you would be a God send Thanks Randy

  33. justin wrote:

    My wife is litteraly under the knife as we speak at the Mayo clinic. I had a loan so I thought for this turns out to be a scam! I need 3500 would love 5000 I do not care what the terms are how high the intrest rate I AM SO DESPERATE! I CAN NOT LOOSE HER OVER MONEY!

  34. Cornell wrote:

    ***** $10000 loan *****
    Please Help
    I am permanently disabled and want to pay off all debts.
    My name is Cornell Lipscomb; I am in need some financial aid.
    I was searching for some type of foundation loan. (Bad Credit) 526
    My mother passed in 2014 and left me the house that i am holding on to.
    At this time i have a few personal loans to relatives that i would love to pay off.
    A handful of medical concerns to take care of along with medications for my heart disease and equipment to purchase for my COPD i cant afford.
    Property tax payment behind along with water bill , my home is now on sheriff sale.
    Repair my leaking roof at least patch it and some auto repairs.
    I am asking if there is any type of loan available to help me.
    I get $2000.00 month in benifits. ( Disability )
    $128.90 in pension per month.
    I have started a drop shipping business on EBAY but no funds to get it off the ground. (cybersales-3: Is the name.)
    If you can help in any way please determine to message or call me.
    Thank you for your time and consideration

  35. Tony wrote:

    need money for emergency reasons

  36. Paul wrote:

    Need a loan in the amount of 15,000 dollars to rectify a very important financial matter.Please contact me at the above email address ASAP

  37. Ron wrote:

    I m in a bad need of 10,0000.00. To pay some bills and get back on the road. I m a trucker. Please I beg of you

  38. Kris wrote:

    We are a single income family of four. As a mom I want to raise my kids, not the daycare workers. Several years ago we decided to live debt free. We managed to do this for about 10 years. In the last two years we have needed a little extra money here and there and before we knew it we have $15,000 in debt on HIGH interest loans. We really would like to consolidate this debt UGRENTLY! With payments being made every paycheck there is little to no money left for food let alone activities for the kids. We are avid volunteers for Girl Scouts, Boy Scouts, Church, etc. Just need a little boost. We are requesting a LOAN, not a hand out.

  39. Diane wrote:

    We need a $5000 loan to pay off a high interest loan which we had to get in order to pay for a fraudulent check scam. Also it will help us to pay off the other bills. My husband and I are on Social Security benefits and are able to keep the bills current but unless we get a $5000 loan, we may not be able to much longer. Loans from banks is a no go as my credit score is 593 and my husband’s is 535 which is because of a bankruptcy that was discharged in October of last year. We would appreciate your help.

  40. Jack wrote:

    I need a $10000 loan for septic tank replacement

REMEMBER! As much detail in comment section WITHOUT revealing your identity at this time

Your email is never published nor shared. Required fields are marked *