Lenders Face a New Reality: Instant Payouts or Lose Customers

Speed is becoming the defining feature of lending, and borrowers are setting the pace. With inflation pinching household budgets and emergencies around every corner, consumers no longer consider instant disbursements a perk or convenience. They expect them. In fact, borrowing payouts now lead all categories in instant disbursement usage, with 45% of consumers saying they most frequently receive their loan funds in real time.

The top reason? Urgency. According to the latest PYMNTS Intelligence data, 64% of consumers want instant lending payouts due to financial need. More than one in four say they require the funds in 30 minutes or less. Whether paying for rent, groceries or a car repair, many borrowers can’t afford to wait.

Borrowers are also putting their money where their need is. Nearly three-quarters of consumer loan recipients are willing to pay a fee for immediate access to funds. Seven in 10 of these borrowers who want instant lending payouts cite convenience as a key reason for this demand. However, that willingness has limits. Transparency matters. When fees are hidden or show up after approval, satisfaction nosedives.

Financial institutions are responding. Eighty-six percent now see lending disbursements as a top use case for instant rails. The problem? Legacy systems and fragmented platforms are slowing delivery. While 57% of borrowers report being offered instant lending payouts, delays and friction remain widespread.

What’s clear is that real-time payments are no longer optional. For lenders, implementing instant loan disbursements means more than meeting demand—it means staying relevant. Those who deliver on speed and transparency can build trust, streamline operations and improve borrower retention in an increasingly competitive landscape.

Download the Tracker Race Against Time: How Urgency Shapes the Demand for Instant Lending Payouts

About “Race Against Time: How Urgency Shapes the Demand for Instant Lending Payouts”

This edition of the “Money Mobility Tracker®,” a collaboration with Ingo Payments, explores how financial urgency is reshaping the lending experience—and why real-time disbursements are fast becoming the standard for meeting borrower expectations.