There are a few things you can do to help secure a $10,000 personal loan in today's lending environment. Jayk7/Getty Images

There are times when you need access to a significant amount of cash, like $10,000, and you need it quickly. Where there are lots of options for borrowing or accessing that amount of money — from taking out a home equity loan to dipping into your retirement funds — a personal loan may be the sweet spot you're hoping for. A personal loan of that size is substantial, yet small enough that many lenders will approve and fund it within a few days.

But here's the thing about personal loans in today's lending environment : The borrowing process looks nothing like it did even five years ago. Digital advances have helped to transform what was once a paper-heavy

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