Tap to Call

$400 Loan with Fast Approval without a Credit Check

Over 500,000 Payday Loan Requests Processed Successfully

Security badge

What is a 400 dollar loan?

A $400 loan is a short term loan that is normally paid back within 30 days. It can be used for any purpose but is best if used to take care of emergency situations. Most Americans have too little cash on hand and cannot get enough cash to pay urgent bills or expenses. This why so many need for a $400 payday loan. You shouldn’t feel bad if you are in a tough situation, you are not alone.

Reasons people need to borrow a 400 dollar loan

  • Your transportation has broken down and without it, you cannot work
  • You have unexpected medical bills to pay
  • You are short on cash and need groceries
  • Your electric or other utility bill is due and could be shut off
  • Anything else that has put you in a bind for cash

Best options for a $400 loan

Of course, borrowing money comes with a cost. So, the best option is always to borrow from a friend or family member and agree on the repayment. Second best option is to use an existing credit card to pay whatever expense you have to.

But many people find they have poor credit and have no credit options, like a credit card, that they can use for emergency situations. That leads us to the next, best option: a $400 loan without a credit check. Payday lenders do not use the credit bureaus, they already know your credit is not good so they rely on your income history as the number one way to see if you can repay your loan.

How do $400 loans work?

A $400 loan is a simple loan that is easy and safe to request. Take a few minutes and complete a short loan request form. Be sure your information is accurate as misleading or incomplete information can disqualify you. Once you complete the form you hit the ‘submit’ button and then get an answer in as little as 10 seconds.

About 80% of those requesting a payday loan online are approved and immediately connected to a lender that is willing to provide a loan. The lender will call you on the phone number you provided on the form (usually your cell phone number) and go over your loan terms and conditions. They will also answer any questions you have. Keep in mind that you do not have to accept a loan offer. Not everyone is approved but CashOne works hard to assist as many people as possible.

If you agree with the lender’s loan terms and complete the transaction, your cash will be in your bank account in one business day.

Requirements for getting a $400 loan

There are some requirements for requesting a $400 loan:

  • You need to provide your current residence address
  • You need to provide a current phone number (cell phones are okay)
  • You need to provide a valid identification document and be 18 years of age or older
  • You need to provide a working email address
  • You need to provide information for an active bank account

There is often other information required but it depends on where you live. Every state has different payday loan rules and regulations and there some states that do not allow payday loans.

What are the benefits of a $400 Loan?

If approved, you can use the cash from your $400 loan any way you want. We highly recommend you only use it for emergency situations and not a trip or some other non-essential expenses.

The biggest benefit for those in need is a $400 loan can really make a difference. Just think, if you have some checks you issued and they are about to fail, you will be charged a $35 NSF fee for each one. 4 checks outstanding = $140. A $400 payday loan could save you those charges and cost you as little as $15 per $100 you borrowed. Rates do vary by state so be sure to ask your lender before accepting a loan. Some states allow rates as high as $30 per $100 borrowed.

I need 400 dollars now - Why should I go with CashOne?

CashOne has been in business for more than a decade and helped over half a million people saying 'I need 400 dollars now' nationwide. With more than 120 direct payday lenders competing for your business we try to improve your chance to get the $400 payday loan you need.


400 Dollar Loan FAQs

How can I get a $400 loan right now?

Take a few minutes and complete the short loan request form. Take your time and be sure to ensure accuracy in your information, particularly your income history. Misleading or inadequate information is one of the biggest reasons for rejection.

Where can I get a loan for $400 with bad credit?

Well, that is what CashOne is here to do. Help you get money when you have no other place to get it. We have been doing this for more than 10 years for hundreds of thousands of people so you know we do everything we can to help.

How much does a $400 payday loan cost?

Typically, fees range between $15-$30 per hundred dollars loaned. Thus, a $400 loan could cost from $60 to $120 when repayment is due. Never accept a loan offer if you are not sure you can meet the repayment date and amount. Extending a payday loan will add additional fees and make it even more difficult to repay. Make sure you have tried all other ways to get a loan before seeking a payday loan due to the higher cost of one. Payday loans are made to people with poor credit and there is a high risk for the lender and that is why the costs may be high.


scroll up