Applying does NOT affect your FICO® credit score!
$400 Dollars is easy and fast to obtain if you apply for an unsecured Bad Credit Payday Loan online. It is a small dollar cash advance loan, so even Bad Credit is welcomed. These loans have short and convenient repayment periods of 14 - 30 days, when the money is paid back with your next paycheck. Most states only allow up to 30 days for the term of the loan.
It is what it appears to be, a loan of $400, which is paid back in 30 days or less.
It can be tough to get any loan if you have poor credit. But there is good news. $400 dollar payday loan lenders accept many people with bad credit. They know that most applicants will have poor credit and they are set up to provide loans in these situations.
Much like the maximum loan amount, each state has similar but different eligibility requirements. However, the basic requirements are pretty much the same; they are:
Other qualifications may be required based on the state you reside in. Ask your lender if you have any questions.
There are state regulations which determine the maximum cost of any $400 payday loan. The regulations in the state you live in may vary considerably from other states. All states have laws regarding how much a lender can charge for a $400 cash loan.
Start by clicking on the ‘Get Started’ button. This will take you to the Loan Request form which can be completed in just a few minutes. Then hit the ‘submit’ button and your information will be immediately transferred securely to our lenders. You will get an answer in less than 60 seconds and often even faster. About 80% of all requests are approved.
Every state has its own loans laws and regulations. They determine the minimum and maximum amount of cash advance, the repayment period, the APR, etc. Based on these laws, residents of most states have no problems with obtaining a $400 loan.
Yes, you can! Poor credit is not the primary determinant of your approval or rejection. Having a steady income of at least $1,000 a month is much more important. It is the best indicator of your ability to repay your loan. A $400 dollar loan with bad credit is not unusual. Traditional lenders and banks will not consider anyone with poor or bad credit. But, when you say, ‘I need a 400 dollar loan today’, online payday lenders are willing to work with you and often approve your loan.
Yes, in fact, almost all payday lenders do not perform hard credit checks. They know most applicants have poor credit. Instead, they rely on your recent and upcoming earnings as the best indicator of your ability to repay your loan.
Yes, you can! If you apply very early on a weekday some lenders will be able to process your request and deposit your 400 dollar loan the same day. A 400 cash loan is most often funded the next business day (excluding weekends and holidays).
Just complete the loan request form as completely and honestly as you can. Accurate information is very important for any lender to consider your request. Make sure you have an open bank account. If you are approved, your lender will need to deposit directly into your account.
Always be sure you are planning to use a 400 payday loan for emergency purposes and not a trip or luxury expense. The fees are too high compared to a credit card or standard loan. Be sure you have exhausted all other ways to get the 400 dollar loan you need. 400 payday loans should not be your first choice unless you have exhausted your other options.
Simple. Complete our Quick Online Loan Request form and submit it. You get an answer right away. If approved, you are connected directly to your lender and they will typically call you in less than 90 seconds to go over your terms and conditions as well as to answer any questions you may have. We are here to assist you whenever we can and have served Americans coast-to-coast for more than a decade.
You can request your 400 dollar payday loan with us by clicking here and filling in our short, secure form. We are here to help and have a long history of success in matching people to a direct lender who wants to lend money… right now!
If you are a US citizen or legal resident over 18, you are likely to qualify for a 400 dollar loan amount. 80% of those requesting a $400 loan are approved. There is no guarantee of approval and some states do not allow payday loans. Check your state website to learn what regulations apply where you live.
Undoubtedly, you may have said, ‘I need a 400 dollar payday loan’. The upside of online lending services are 24/7 and 365 day availability together with immediate processing. Most lenders who approve payday loans need a short time to reach a final verdict. Cash transfers typically occur the next business day.
Payday lenders are generally limited to recovering a one-time fee, often $35, in case you default on your loan. Some states do allow additional fees or fines which are limited in amount.
There are several benefits:
It is possible to get 400 loan the same day if you submit the application before 10 am EST on weekdays. Not all lenders offer this service. If you are approved, ask your lender if they can provide same day deposits.
Complete the online Payday Loan request form and we will refer you to our large number of direct lenders. You will get an answer within seconds (virtually instantly) and, if approved, the funds will be deposited into your bank the next business day.
Payday loan lenders do no hard credit checks. So, you are eligible for a $400 loan with no hard credit checks.
You can get $400 even with poor credit scores. Many direct Payday Loan lenders will approve you regardless of your credit scores.