Notice: Rainy Day Lending does NOT make outbound calls to consumers or collect funds from consumers, see our Scam Advisory here.

Online loans up to


With Rainy Day Lending, you can receive funding up to $50,000. We provide more options for you, so there is a clear advantage to using us. Lenders could send up to $50,000 to your bank account quickly and all from the privacy of your own home.


Personal Loans Online

Our Online process is quick, secure, & hassle free. You can submit your information from the privacy of your own home, do it all online.


All Credit Types Welcome

There are many advantages with Rainy Day Lending. You can request funds with any credit type at Rainy Day Lending.


See Money In Your Account

Another advantage is that the funds can be deposited directly into your bank account as soon as the next business day!

What is Rainy Day Lending?

At Rainy Day Lending, we provide a service that aims to quickly connect customers with a lending partner that offers loans that may work for them. People across the country use our service to get a loan to help them pay for emergency expenses like medical expenses, mechanic fees, and bills.

How It Works

Our simple online form does not contain any long questions and can be completed online in typically less than 5 minutes. Here's how the process works:


Visit Rainy Day Lending and get ready to fill out a short online form that will attempt to connect you with a lender from our network and other third-party lender networks!


Fill out our short online form and we'll attempt to connect you with a lender. If we find a possible lender, you will be presented with the next steps on how to complete your loan request and get the funds.


If a lender is found and you agree to the loan, often the lender can deposit the funds to your bank account as soon as the next business day. If a lender is not found we may present you with offers for credit repair, debt relief or other services that you may want to consider that may still be helpful.

Ready to request funds?

Start here

01. What is a Personal Loan and what can I use it for?

People get Personal Loans to help with home repairs, unexpected expenses, holiday shopping, bills, and more. Such a loan from one of our lenders can help you get the money you need! Once you fill out our form online, if approved, in most cases the lender can deposit the funds to your bank account as soon as next business day.

02. How fast can I get the money?

While approval for a loan can be fast, usually within minutes, you are not likely to be able to get money until the next business day. Think of the process as depositing a check into your bank account, typically, you have to wait at least 1 business day before the check clears and the money is available for you to use from your account.

03. How do you protect my privacy and personal information?

Privacy is a serious concern, in transmitting your sensitive information to our network of lenders and other third-party lender networks we utilize 256-bit SSL encryption so you can request a loan with peace of mind and from the ease of your home. For information on how we share your data you can also take a look at our Privacy Policy for more details.

04. Do I have to go into a store or wait in line?

Entering your information on Rainy Day Lending is easy and private. From the comfort of your home desktop, laptop, smart phone, or tablet computer you can enter your information online without going into a store. The process is easy and private. That said, if connected with a lender, in order to get a loan the same day, some, not all, lenders may require you to go into their store that is located near to where you live to pick up your money today.

05. Are there any fees to use this website?

Rainy Day Lending does not charge the consumers any fees and there is no fee to submit your information online. If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. Rainy Day Lending is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

06. Do I qualify for this loan?

In order to submit a loan request via Rainy Day Lending you must be employed or have a regular source of income, earn at least $800/month, be 18 years of age or older, and be a US resident. Please note that filling out our online form does not guarantee approval. Approval decisions will still be at the lenders' discretion.