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Personal loans can be used for home repairs, medical bills and other unexpected expenses. But it can take up to a week for the money to appear in your account, especially if you're a new customer.

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. CNBC Select will update as changes are made public. With a high-yield savings account (HYSA), your money can ...

Often, you have to wait for a card to arrive by mail before you can use your account. But in these cases, you can start immediately.