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Need to Borrow 400 Dollars Today? Get Instant Approval for a Guaranteed $400 Loan With Bad Credit with MoneyZap Now!

Frank Glemstone
Frank Glemstone

Frank Glemstone is MoneyZap's authority on personal loans. He has been a writer and editor at the MoneyZap content team since 2021. Graduated from Texas A&M University with the Master's program in Economics Sciences. Throughout his career, Frank has achieved the Springeropen award nominee for Financial Innovation and won a SABEW award for outstanding knowledge in finance. Frank now lives with his beloved wife and son in Jackson, Mississippi.

Do you find it difficult to survive the month due to unforeseen expenses? Well, you’re not alone! Around half of Americans say that they don't have enough money to cover a 400 dollar expense. To get started when you need to get cash fast, our MoneyZap expert team for direct loans is always alert.

Visit our page and find the most convenient 400 payday loan direct lenders that cater to your financial needs. Our short-term loan providers serve clients reliably and respond to each loan request instantly. Our reliable lending partners make sure to send you the needed funds the same or the next day.

400 dollar loan

What Is a 400 Dollar Loan?

These are short-term loans offered by a network of reliable payday lenders. Approved borrowers can get a 400 loan on the next business day, provided they meet the required criteria. Once they've received the cash, they must pay the cash advance back with their next paycheck. The fees on your loan can vary depending on the state.

When your earnings are just not enough, you’ve probably told yourself, ‘I need 400 dollars now’. The mission of MoneyZap is to help you get out of the financial mess quickly. In short, we partner with lenders that offer the best small loans online and will usually only do a soft credit check.

How Can I Get a 400 Loan Today?

Our online form to get a 400 dollar loan is easy and involves a few simple steps without hard credit checks. Once you've completed it, you'll get connected to a matching lender from our network. If everything goes well, the funds will reach your bank account that same day or the next business day. Follow the steps below to ensure you get a 400-dollar loan on short notice:

  1. Fill out the form: The application procedure is free and happens virtually, so it won’t take you more than five minutes to apply for payday loans online. Type in all your details and wait for our network of lenders to assess your financial request.
  2. Wait for approval: Our lending partners don’t take long to respond to 400 dollar loan applications, as they operate around the clock. After checking out your profile and request, you’ll receive offers with applicable loan terms and interest rates.
  3. Choose the offer for you: Once you receive the loan offers, please make sure to carefully read the terms and conditions before e-signing the loan offer. Take the time to pick out the loan that's right for you!
  4. Budget out and repay your debt: Making timely payments is mandatory if you want to improve your credit and avoid penalties.

400 Dollar Payday Loan Requirements

If you need a 400 payday loan, there are several requirements you need to meet when applying. Although these might vary from state to states, these general guidelines apply almost everywhere:

  • Be 18 years or older
  • Be a permanent resident or citizen of the US
  • Provide a valid email and cell phone number
  • Have an active bank account (otherwise, the lender cannot deposit your loan).
  • Show proof of income (from work, but you may also qualify if you receive benefits like Social Security, annuity, etc.).

How Much Will a 400 Dollar Loan Cost?

Each state has laws that define loan regulations and fees, so the prices can range drastically, depending on where you live. Generally speaking, the cost of a 400 dollar loan ranges from 10 dollars up to 30 dollars for every 100 dollars you borrow. Some states even cap the fees at 20 dollars or 10% of the cash advance. Typical payday loans with a 15 dollar per 100 dollars fee entail an APR of about 400%.

Still, APRs won’t affect the financial cost of the loan since you should usually pay it back within 30 days. In short, the 400 dollar loan will have one-time fees only. Your lender must disclose any costs associated with your cash advance, as the law demands transparency. If they don't, that's a clear indication of a shady lender. If you use MoneyZap, you don't have to worry about that!

When Will I Receive My 400 Dollar Payday Loan?

Undoubtedly, you must have said, ‘I need 400 dollars today,’ at one point in life. The benefit of online payday loans is their 24/7 availability and quick processing. Each direct lender we work with could get you approved within minutes, with the deposit reaching your account the next business day. During non-working days and holidays, payday loans might face slight delays since banks are closed or working with limited hours.

Why Get a Payday Loan With MoneyZap?

There are many reasons why you should come to us for your financial needs. Above all, our service is fast and convenient. Our lenders usually don’t run any credit checks and don’t report to the major credit bureaus. Unlike with credit cards, we and our lender network believe that bad credit shouldn’t prevent borrowers from accessing fast money. We follow all regulations and work with reputable lenders only. Last, our lending partners grant instant approvals for each 400 dollar payday loan and let you use it to your liking.

What Are the Benefits of a Payday Loan?

As with anything else, every payday and installment loan has its upsides and downsides, but we believe that the benefits prevail above all else: 

  • Fast and convenient: Send in a request for as much as a 400 dollar installment loan, and you may get approved instantly. You can submit the form online and get the payday loan within a day.
  • Multi-purpose: In short, you can use 400 dollar loans the way you please. You may settle monthly bills, repair your car, or organize a baby shower.
  • No hidden fees: Once you agree to get a loan, you’ll know the terms and rates from the get-go.
  • Flexibility: Customers can pay the money back once their paycheck arrives. The repayment period usually stretches up to a month.
  • Bad credit accepted: Your financial issues won’t affect the lending decision. More precisely, we approve most 400 dollar loans to FICO scores above 580.
  • No credit check: Although you might have a bad credit score, that won’t prevent you from taking out even a 500 dollar loan. On the contrary, if you have a steady income and no outstanding short-term loans or hard inquiries, you can get a 400-dollar loan.