What Are $400 Loans?
If you need to borrow money in a short period and have exhausted all other options, a $400 loan can be helpful. It is one of the payday loans that need to be repaid from your next paycheck, depending on the detailed terms in the agreement. The 400-dollar loan is beneficial to those who lack money, which can be used for covering unexpected expenses such as medical bills, utilities, and car repairs.
Get Cash When You Need It Most
Get StartedWill My Application Be Accepted Even With My Bad Credits?
Do you want to apply for a loan, but have a poor credit history? No worries. Our lenders consider other criteria, such as a stable source of income and previous credit history.
As long as you can prove that you will pay back your debt on time, the chances are high that our lenders will consider your application. Plus, our partner lenders will only conduct a soft credit check that will not affect your credit score.
What To Consider Before Getting a $400 Loan?
Before requesting a $400 loan, you need to pay attention to certain factors listed as follows. First of all, make it clear that you have used out other possible financing plans, such as asking your beloved friends and family members. If this is not working out, then you can turn to loans for help.
Second, applicants should have stable income resources to ensure loan repayment. If you can not afford the loan from your paycheck, then getting a $400 loan would be a mistake. Try to consider other payday loans with smaller amounts, such as a 100-dollar loan and a 300-dollar loan. It is advised to take the whole responsibility for any of your monetary decisions.
 | Why Us | |
|---|---|---|
| How much can I borrow? | $50-$35,000 | No hidden fees or charges |
| I have bad credit. Can I apply? | Yes | Bad credit is considered |
| Over how long can I spread the repayments? | 1-36 months | Fast decisions |
| Are credit checks involved? | Yes | Soft credit checks only |
| Chances of getting approvals | Good | 256-bit encryption protocol |
| How to apply? | Apply online | Easy application |
Alternative Loan Options Besides $400 Loans
If the $400 loans couldn’t fulfill your financial demands and you want to search for other loan alternatives, you could consider them as follows:
Bad Credit Loans
Bad credit loans are short-term loans designed to help individuals with bad credit scores. These types of loans can be helpful in many ways as they provide a quick and easy way to get cash when you need it most.
Installment Loans
Installment loan payments are made on a fixed schedule. Installment loans come with different terms and rates depending on the lender and type of offer.
Title Loans
Getting title loans is a simple and quick way to get the money you need in a financial bind. You simply need to provide the title for your car as collateral. But if you can’t repay your loan, you risk losing your vehicle.
How Can I Get My Loan Today: Simple Steps to Go!
iPaydayLoans will guide you on how to request a $400 loan, and there are several simple steps to get started.
- Submit Your Information
It’ll only take a few minutes for you to fill out your loan form and submit your details, which will include some basic information such as your contact information and the desired amount.
- Getting Approval from the Panel of Lenders
With an approved loan request, you will receive loan offers that contain information about the interest rates, loan amounts, and other essential aspects of a valid loan contract.
- Receive Funds
After everything is finalized, you will soon get your loan fund on the same day or the next business day.
How much would you like?
Frequently Asked Questions (FAQs)
Q1. Will there be any credit checks for a 400-dollar loan?
To acquire any type of payday loan, credit checks are required but our lenders will perform a soft pull that won’t affect your credit score.
Q2. How soon could I get my $400 loan?
Generally speaking, the funds of $400 can hit your account as soon as the same day after approval of your loan application.
Q3. What are the requirements for applying for this loan?
There are a few general requirements that you must fulfill to qualify for this type of loan, although these may vary from state to state:
- Be 18 years old or older.
- Be a permanent resident or citizen of the US.
- Provide a valid email and phone number.
- Have an active bank account.