Many Americans are depending on stimulus check payments to help them through unemployment, decreased hours and other financial hardships during the coronavirus pandemic. While the IRS has begun distributing stimulus check payments, there are still about 60 million people who are eligible for stimulus payments who have yet to receive their checks.

What Can You Do If You’re Waiting on Your Stimulus Check?

While the stimulus checks aim to help Americans negatively impacted financially by the pandemic, the delay in payments has left many seeking other options. One option is a personal loan for those looking to consolidate debt, pay off high-interest credit cards or cover emergency expenses during this time. Possible benefits of a personal loan include lower interest rates than a credit card and a predictable repayment schedule that is easier to manage than multiple accounts. Bottom line, a personal loan might save you money.

Top Online Personal Loan-Connection Services

Here is a list of top online loan-connection services that might work for you, especially if you are still waiting on your stimulus check or the amount you received hasn’t been enough to cover your expenses during the coronavirus pandemic.*


This service connects you with loan offers of up to $50,000 with the ability to get your money directly deposited in your account in as little as one business day. It has an easy-to-use online form and approval process.


As the name suggests, this online loan-connection service is geared toward those facing difficulties with their credit scores. Its goal is to offer responsible lending and education.


For those facing emergency expenses, SpeedyNetLoan connects you with loans up to $5,000. The loan approval process takes minutes, and the money can be wired to a bank account in one day.

4. Zippy Loan

This online loan-connection service has made the loan process simple, easy and quick with real-time loan requests. You can receive up to $15,000 directly deposited within one day of approval.


You can apply for up to $40,000 from your couch with this online loan-matching service. All credit types are considered with money available within one business day. The coronavirus pandemic has left many scrambling financially. Consider a personal loan as one option to help possibly save money and get through these difficult times.


*IDIQ® is NOT a bank, lender, home improvement or insurance company.  Offers made on this page are offers for services by independent parties and are not companies of IDIQ.