I Need $400 Right Now!
Sometimes an emergency occurs that you are not ready for. If this has happened to you and you need a quick $400, we can help. Our lenders are ready to make you an offer on the loan that you need. There is no obligation, the quote is free and it takes just a few minutes. Why not see what you can get?
Getting A $400 Cash Loan
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 apply for, easy to get approved for and they fund very fast.
To apply for a loan, al you have to o 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 loan, your $400 can be in your bank account as soon as the next business day. Deposits will usually be delayed for weekends and bank holidays.
Got Questions On $400 Loans
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 apply.
Not very long at all. After you fill out the short online application your application 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?
These loans are meant to be paid back when you get your next paycheck. Most of these loans are due to be repaid in about 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.
- 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. 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.
- 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. 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 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 A Fast $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.