$400 Dollars is easy and fast to get if you apply for an unsecured Bad Credit Payday Loan online or in a store near you. To get approved you need only to be a US resident, have a valid bank account, and a stable job. It's a small-dollar cash advance, so even Bad Credit is welcomed. It also has a short and convenient repayment period of 14 - 30 days, after which the money is just paid back with your next paycheck. 

What are 400 Dollar Loans?

A 400 dollar loan is a small, short-term unsecured loan that typically amounts to 400 dollars. People often use these loans to cover unexpected expenses, such as medical bills, car repairs, or other urgent financial needs. The loan usually requires repayment within a short period, often two weeks to a month, depending on the terms set by the lender.

Applicants for 400 dollar loans often do not need to have a good credit history, making these loans more accessible than traditional bank loans. However, because they are unsecured and typically have short repayment periods, 400 dollar loans often come with high interest rates and fees.

Lenders of 400 dollar loans can be either direct lenders or intermediaries. Direct lenders provide the loan directly to the borrower, while intermediaries connect borrowers with a network of lenders, helping them find the best terms available.

Can I take a $400 Payday Loan legally in my state?

Every state has its own short-term loans terms and regulations. They determine the minimum and maximum amount of cash advance, the repayment period, the APR, etc. According to these laws residents of most states have no problems with borrowing $400. You can see them on the map:

Check out if a $400 Loan is available in your state and if yes you may save your time by applying right now online from the comfort of your home.

How much $400 Loan Costs

The cost of a $400 loan can vary widely depending on the lender, the terms of the loan, the duration, and the state laws that govern payday lending. Here's a general breakdown that may help you understand the potential costs:

1. Interest Rate

Payday loans are known for having significantly higher interest rates compared to traditional loans. The rate can range from 15% to over 100% depending on the lender and the regulations in your state.

2. Fees

In addition to interest, you may be charged various fees including:

  • Origination Fee: Some lenders might charge a fee to process the loan.
  • Late Payment Fees: If you miss a payment or are late, additional charges may apply.
  • Rollover Fees: If you cannot repay the loan on time, some lenders allow you to extend the loan but may charge extra fees.

3. APR (Annual Percentage Rate)

The APR combines the interest rate and any fees to give you a complete picture of the annual cost of the loan. For payday loans, APRs can be extremely high, often ranging from 300% to 500% or more.

4. State Regulations

Different states have different rules governing the maximum interest rates, fees, and charges that lenders can impose. Some states have capped the maximum interest rates, while others have not, so the costs can vary significantly based on your location.


If you were to take out a $400 payday loan with an APR of 400%, and the loan term was two weeks, you could expect to pay around $76 in interest and fees. This means you would owe a total of $476 at the end of the two-week period.

$400 Loan Calculator


Estimated Payment


Total Principal Paid:$ 1,000.00
Finance charge:$ 387.42
APR:471.36 %
Apply online

Payment Breakdown

Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.

The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.

To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.

It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.

Can I get guaranteed approval for Bad Credit $400 Payday Loans? 

Of course, you can get approved for $400 Payday Loan even if you have bad credit! It's not a big amount so that the lenders might risk to lose a lot of money. So they take into account your employment history, income, house ownership to see if you are able to repay the loan. Besides, they mostly don't do a Hard Credit Check. Soft inquiry may be enough. So you may not be afraid to damage your FICO Score. Moreover, if you repay the loan on time you can even improve your history!

What are the benefits of small-dollar Payday Loans?

  • speed
  • convenience
  • safety
  • availability
  • variety of options

$400 Loans: Online, In-Store or at the Check Casher

Online Payday Loans
  • Fill out a simple application form 100% online
  • Wait for it to be processed within a hour or two
  • If approved get the money deposited into your account within 1-2 business days


  • It's fast and convenient as requires no driving, waiting, faxing, etc.
  • You can compare a lot of offers and choose the best one
  • It's unsecured and suitable for Bad Credi
Payday  Loans in a Store or Check Casher
  • Go to a comparing companies website and find the nearest store or Check Casher near you
  • Drive to the store, don't forget to take the ID and other necessary documents
  • Talk to the cashier, ask him any questions, fill out an application, get the money


  • You can get the money the same day
  • You can ask any questions or clarify any details if you are not really experienced in borrowing money

Whichever place you choose make sure you've done some research, read the reviews, compared the offers and chosen the best one. Follow the Useful Tips for Payday Loan Borrowers. 

Check out the other options you have such as Installment Loans, Personal Loans or asking your friends and family for help. And apply only when you are sure of it.

$400 Loan Even for Bad Credit Borrowers

Yes, acquiring a $400 payday loan with less-than-perfect credit is an attainable goal. Unlike traditional banks, payday loan providers specialize in short-term lending and often cater to those with lower credit scores. Here's a breakdown of how it works:

Understanding the Lender's Perspective

Online payday loan lenders look beyond poor credit. They primarily focus on your ability to repay the loan, ensuring that your income is sufficient to cover the $400 amount. While they generally have a positive response rate, approval is never guaranteed. Their approach to assessing your creditworthiness usually involves a soft credit inquiry, which won't impact your credit score.

What Do You Need to Qualify for a $400 Payday Loan?

The eligibility criteria for payday loans are relatively straightforward. As an applicant, you must:

  • Be a legal U.S. citizen or permanent resident.
  • Be at least 18 years old.
  • Provide evidence of a consistent income stream, such as your salary.
  • Hold an active bank account in your name.
  • Furnish accurate personal information.

Additional verification may be required, so ensure you provide accurate contact details to facilitate smooth communication.

State Regulations and Availability

It's vital to note that payday loans might not be available in all states, and local laws can affect the terms and availability of these loans. Some states may impose limits on the amount or introduce other restrictions.

400 Dollars Same Day

Once approved, you can generally receive the $400 as quickly as the next business day. Applying early in the workday can sometimes even result in same-day funding. Weekends and holidays, however, may delay the transaction.

How to make 400 dollars fast?

  1. Freelancing: Websites like Upwork and Fiverr connect freelancers with clients looking for services in writing, graphic design, web development, and more. If you possess a skill in high demand, you could potentially earn $400 quickly.

  2. Selling Items Online: Platforms like eBay, Facebook Marketplace, and Craigslist make it easy to sell items you no longer need. Consider selling clothes, electronics, or furniture in good condition.

  3. Ride-sharing or Food Delivery: If you have a car, you could drive for companies like Uber, Lyft, or deliver food with DoorDash or UberEats. These services often pay quickly, and you can work on your own schedule.

  4. Pet Sitting or Dog Walking: Platforms like Rover offer opportunities to earn money by pet sitting or dog walking. This is especially lucrative in high-demand areas.

  5. Tutoring: If you have expertise in a particular subject, you could offer tutoring services online or in-person.

  6. Temporary Work: Look for temporary or day labor jobs on websites like TaskRabbit. People often post a variety of jobs, from moving assistance to event help.

  7. Offering a Service: If you have a particular skill, such as photography, lawn care, or home repair, consider offering your services to your local community.

  8. Renting Out a Room or Property: If you have an extra room or property, consider renting it out on platforms like Airbnb. Ensure you comply with all local regulations and provide a clean and safe space for guests.

  9. Participating in Research Studies: Universities and research institutions often pay participants for joining in studies. Look for opportunities in your area.

  10. Babysitting: Offering babysitting services to families in your community can be a quick way to earn money.

  11. Online Surveys and Market Research: While this option may not provide a large amount of money quickly, participating in online surveys and market research can contribute to your overall goal.

  12. Pawn or Sell Valuables: If you own valuable items, you might consider pawning or selling them for quick cash.

Final Thoughts

The need for urgent financial assistance is understood by payday loan providers. They've streamlined their application process to be swift and straightforward. If you find yourself in need of quick funds and meet the basic eligibility requirements, a $400 payday loan could be within your reach, even with bad credit. It's always wise to act promptly and provide accurate information to maximize your chances of approval.

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