Sometimes an emergency occurs and we are not financially ready to handle it. If this has happened to you and you need a quick $400 or so to pay for your expense, we can help. The absolute fastest way to get this kind of money is with a fast cash advance loan. These loans are quite handy if you are in a pinch for time and they are easier to qualify for than traditional bank financing. All that you need is an income and a checking account and you may be approved. It does not hurt to apply so why not fill out our short quote form so that you can see your options. Click here to submit your information.

How long does it take to get a quote?Cash Advance F.A.Q’s

  1. Not very long at all. After you fill out the short online application your application will be sent to a lender. If approved, you will usually get your answer very quickly.
  2. How long do I have to pay the loan back?
    Most of these loans are due to be repaid within two weeks. This is why they are often referred to as payday loans, designed to be paid back with your next check. Check with your individual lender for the exact term of your loan.
  3. When will I get my money?
    Loans fund quickly, as soon as the next business day.
  4. How much money can I take out?
    Cash advances are usually limited to around $1000 but this can vary by state. Many states limit the amount to a lesser number and some limit it to a percentage of your monthly income.  Remember, the more you borrow, the more fees that you will have to pay. So, if you only need $400, take out only that amount.
  5. What if I need more time to pay my loan?
    If you already have a loan, contact you lender as soon as possible. You may be able to extend your loan but there will be additional fees in most cases. If you know before taking out a loan that you will need more time, you should reconsider a cash advance.
  6. How much will I have to repay?
    The maximum interest rates vary from state to state. Effective interest rates can vary from 200% to 400% and sometimes higher. Always review the details of your loan before you agree to it. Also consider your other money options.
  7. Who will be lending me the money?
    Loan Monkey is not a direct lender, we give you the ability to get a quote from a lender in the LeadsMarket network. When you fill out a quote form, your application will be sent to a lender and if approved, you will receive an offer. You will be able to review your loan details before you accept it.

More Ways To Get $400

$400 NowIf you have other options, then a payday loan or cash advance may not be for you. Here are some other ways to get the money that you need.

  1. Relatives
    A relative may be able to lend you the money that you need without the fees that would come from a loan.
  2. Work
    Check with your work and see if they can advance you money on your next check.
  3. Cut Back
    You may be able to cut back on non essential expenses like meals out and entertainment. Maybe even save on gas by catching a ride or walking.
  4. Defer Payments
    Your creditors may be able to defer a payment or even allow you to only pay interest for a month or two. It never hurts to call and ask. If you are in good standing, most car lenders will do this.
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