3 firms, 13 plans, ranked November 2026. Instant funding skips the evaluation: you pay more up front and trade a funded account from day one, usually with tighter drawdown and a lower split at first.
As of November 12, 2026, 3 of the 86 prop firms PropTested tracks qualify. The best value is Vest Markets Instant Account ($0.5K) at $10 to start, an estimated $20 until funded. It suits traders who already have a tested edge and want to skip the test. The trade-off is a higher price and stricter terms, so compare the drawdown and split, not only the speed.
| # | Firm and plan | Size | To start | Cost to funded | Target | Max loss | Drawdown | Daily loss | Consistency | Split |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Vest Markets Instant Account | $0.5K | $10 | $20 | n/a | $10 | Static | None | None | 95% |
| 2 | HyroTrader Hyro Instant | $25K | $699 | $1,394 | n/a | $1,250 | Static | $750 | n/a | 80% |
| 3 | Crypto Fund Trader Instant | $2.5K | $125 | n/a | $250 | $150 | n/a | $100 | None | 50% |
One row per firm: the plan that scored best for this list. Prices and rules read on each firm's own pages, latest check November 12, 2026. Sizes in this list: $0.5K, $2.5K, $5K, $10K, $25K, $50K, $100K. How the score works.
Vest Markets Instant Account at $10 for a $0.5K account, checked November 12, 2026. Cheapest to start is not cheapest to get funded: the table's "cost to funded" column counts resets and fees against the simulated pass rate.
HyroTrader, with 4 of 5 from 229 reviews, among firms with at least 100 reviews.
An evaluation is a test you pay for. 1-step has one target, 2-step has two in a row, and instant skips the test, usually for a higher price and tighter terms. Read the full explainer: 1-step, 2-step and instant accounts.
Each plan is scored out of 100 the same way whichever firm sells it: 45% cost until funded (the plan's own rules simulated 3,000 times for a trader with no edge), 35% the firm's record and 20% payout terms. Commission never enters the score. The method is published on the methodology page.
Explainer: 1-step, 2-step and instant accounts. Filter every plan yourself on the plan comparison, or put two firms side by side on compare.