First, let’s go ahead and get you a loan quote. There is no obligation, so you might as well see if this is an option for you. You might just be surprised at the kind of loan you qualify for.
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Getting A $400 Cash Loan Today
Getting a cash advance or payday loan for $400 is not a very hard task. These loans have a number of benefits that make them perfect for emergencies. They are quick to get started with, easy to get approved for and they fund very fast.
In addition, you will love the fact that the quote process is very simple. You can do everything extremely fast so that you can handle your emergency quickly.
To get started with a loan, all you have to do is fill out the short form at the top of the page. It will take you just a couple of minutes and then you can submit it for review by our network of lenders. The process happens securely online and in a matter of minutes.
Getting approved is easy because the requirements for payday loans are slim. Just have a source of income, a checking account and a contact number and you are generally good to go. More on that later. Requirements from your lender are very few when compared to a traditional loan. In fact, many lenders do not even check the three main credit bureaus, opting instead to use alternative checks.
Finally, funding for a loan happens quicker than just about any other loan. If you get approved and accept the money, your 400 dollar loan can be in your bank account as soon as the next business day. Deposits will usually be delayed for weekends and bank holidays.
Second, you should look at some other sources of cash loans. Where else can you get $400?
If 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.
A relative may be able to lend you the money that you need without the fees that would come from a loan.
Check with your work and see if they can advance you money on your next check. Many employers, especially smaller ones, will allow you to get an advance on your paycheck. You have already earned the money so it is of no risk to them, it is just a little paperwork.
- 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. Have a gym membership or satellite TV? Look into putting these memberships on pause until you get caught up.
- 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. This means that you need to act quickly when you know that you need money. Before you get behind.
- Get A Second Job
Yes, this might take time to get your money but it will set you up for the future. You will have to pay this $400 loan back after all. Look for jobs that pay weekly or even daily. You know those guys holding signs at intersections for store closings and similar things? They get paid cash daily.
- Donate Plasma
You can get 400 dollars in the matter of a month if you donate plasma just twice a week. If you are good with a needle in your arm and can wait a bit, this might be a good solution for you.
Finally, you should see if there are ways to actually do without getting a loan.
Doing without a loan might be the best thing if possible. There are several ways to go about this.
- Make Cuts To Your Budget
You can accomplish this in several ways. Cut the cord and get rid of cable. Downgrade your internet or cellular phone plan. Put the gym membership on hold. Make the tough decisions and avoid a loan.
- Call Your Creditors
You may be able to skip a payment or get a reduction of your bill. Your creditors want you to stay current and they will usually work with you.
- Cut The Expense
If you can live without whatever you needed the money for, that would be a good choice. Not going into debt is always the best choice.
We are here to help. Here are the most common questions that we get. Have another question that is not answered here? Do not be afraid to contact us. Use the contact form at the top of the page and we will get back to you soon.
- How long does it take to get started.
Not very long at all. After you fill out the short online loan form your info will be sent to a lender or lenders in the loan network. If approved, you will usually get your answer very quickly, minutes in may cases. It is one of the fastest loans to qualify for.
- How long do I have to pay the loan back?
This depends on the loan you get. An installment loan can be broken up into several payments while a payday loan would be due on the next pay period.
- When will I get my money?
Loans fund quickly, as soon as the next business day. Most of the time they ae wired directly to your bank account.
- 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. Installment loans can be received in larger dollar amounts and the amount you qualify for will depend on your credit.
- 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.
- 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 on payday loans. Installment loan rates are typically much lower. Always review the details of your loan before you agree to it. Also consider your other money options.
- 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 lender network.
- Can I get more than $400 dollars?
In most cases yes, but it depends on your lender and your credit. We urge you to only take a loan out for just as much as you need though. The more you take out, the harder it will be to repay.
Article On Getting A $400 Loan
- Author Summary
Review By Author
With this article i wanted to answer the question of how to get $400. There are many options presented ranging from getting an easy loan to working for the money or simply doing with out.