$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. Compare the offers from Direct Lenders Online or find the stores with the lowest rates near your location.


Rates last updated June 6th, 2023


Rates last updated June 6th, 2023

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.

Read more:

$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.

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