400 Dollar Payday Loans


What are $400 Loans?

A 400-dollar loan, as the name suggests, is a short-term loan that you can borrow from with an online payday or cash advance loan. A short-term loan can help you cover all or part of an unexpected expense. You can repay it when your next paycheck arrives. The fees on your loan vary depending upon the state you live in.

What are the Best Options Available for a 400 Dollar Loan?

There are several ways to obtain a $400 loan if you need it urgently. You can always start by asking friends and family for a loan, or you can make use of your available credit card balance. You can also opt for more traditional methods of applying for a loan from a bank or savings and loan. You can even sell unused items, including personal property or items you no longer need or use.

However, if you have tried everything else and still need more money, then a payday loan online may be your best option for quick and safe cash. Applying for it online can further save you time and effort.

Why are Payday Loans the Best Option to Borrow Money?

The biggest benefit of a payday loan is the fast processing and quick access to the money. They are also easy to qualify for compared to traditional loans. Payday loans are, therefore, an excellent choice if you need cash quickly and have no other options. Some other benefits of a $400 payday loan online include:

  • A hassle-free online process, so you can apply for loans from the comfort of your home or anywhere you may be.
  • No hard credit checks are required, and you can apply even with bad or poor credit.
  • You don’t have to provide any collateral while signing the agreement for the loan.
  • You will get the money in your bank account in one business day.
  • Payday loans are safe, secure, and governed by state laws.

How Do $400 Payday Loans Online work?

400-dollar payday loans work as easily as a simple loan. The simple and fast payday application process starts when you fill in the online payday loan application form and push the ‘submit’ button. This usually takes 2-5 minutes. Be sure to fill the form with accurate information and wait up to 90 seconds to get your answer. Most requests are approved!

You are connected directly to your lender when you are approved in seconds.

You will get all the information about loan costs, terms, and conditions from your direct lender. You are done with the process if you do not have any unanswered questions.

Eligibility Criteria for a Same Day Payday Loan

To use this remarkable service, there are a few eligibility criteria. These include:

  • You must be over 18 years or older,
  • You must be a legal US resident or citizen.
  • You must have a valid form of identification,
  • You must have an active checking account,
  • You must have an email and phone number for contact purposes.

I need a 400-dollar Loan now. What should I do?

If you need a $400 loan right now, you can apply here at Loans in a Day by clicking on the ‘Get Started Now’ button. You will need to fill in the necessary details and submit the request, and we will start the process from there. We are not a lender but refer you to one of our 100 direct lenders.

With our secure processes, you will get the fastest response. If you need a 400-dollar loan today, you should apply now. If approved, you will get the funds deposited in your bank account the next business day.


No matter what your credit score is, it doesn’t matter. Hard credit checks are not necessary. You can apply for a payday loan with bad credit, and it will be approved if you meet other eligibility criteria.

Depending on where you live, generally, the cost of a cash advance loan ranges from 10 to 30 dollars for every 100 dollars you borrow. Some states even cap the fees at 20 dollars or 10% of the cash advance. So, a 400-dollar loan in a state with $15 fees per hundred borrowed will have you paying $460 when it is due.

A payday loan will have fees only. Your lender must disclose all costs associated with your cash advance, as the law demands transparency. If they don't, that indicates a shady lender. If you use Loans in a Day, you should not worry about that.

If you cannot pay a payday loan, the account will probably be turned over to a collection agency, which may harass you as well as harm your credit. You will likely incur penalties and fees in addition to your loan costs. In the worst case, you may get a court summons and be sued in civil court for the loan balance. Your ability to get another payday loan in the future may also be severely hampered.

Contact your lender before the payment is due! Many lenders will work with you to establish a new payment plan, but you should expect there will be an additional fee.

If you’re a legal US citizen and fit all the above criteria, you’d probably qualify for requesting a cash advance loan. You must provide the requested information to get started. Also, you should submit evidence of an active bank account and contact details, as noted above. These loans should not be your first choice if you have other, less expensive options available to you.

Most of us have experienced the agony of desperately needing money. Even persons with a steady salary might find themselves in a situation where they need money quickly without delay. In such cases, you can apply for a short-term loan from Loans in a Day before noon to possibly get it that day. Note: many lenders cannot process fast enough to provide this service, and some banks will not process on the same day. Ask your lender if this is possible. Most 400-dollar loans cannot be funded on the same day.