Representative Example
Borrow $400 over 3 months, at 400% APR, 3 repayments of $230.63, total repayable $691.89
Borrow $400 over 3 months, at 400% APR, 3 repayments of $230.63, total repayable $691.89
Step 1:
Fill Out The Simple Online Form
Step 2:
Wait For Approval From a Direct Lender
Step 3:
Have $400 In Your Account As Soon As Possible
Not everyone is eligible for a payday loan, so to make sure you can get approval from one of our partner lenders, make sure you fit the simple criteria below:
There are a few other considerations to make before applying for a payday loan. It is essential that you can meet any repayments on time to avoid damage to your credit score. Take time to think about how much you actually need for your loan – borrowing too little could leave you short for the month financially, and borrowing too much could lead to unmanageable repayments.
No! Our service is completely free. There are no fees involved in our online application form and in matching you with a lender for your $300 loan. Your lender will charge a daily or monthly interest rate which will be agreed upon before you accept an offer. We are here to ensure you find an affordable loan to suit your requirements.
Using Harpsey makes finding your $400 payday loan as easy and fast as possible. Our online form takes just minutes to complete and you could find yourself with an instant offer for the most competitive loan in your area. If approved, and after some additional checks, you could have money in your live checking account in minutes, within an hour or within 24 hours.
We work with a wide pool of reputable lenders therefore we also have options for borrowers with a history of bad credit. Our soft online credit check doesn’t leave a visible footprint on your credit report, therefore applying today will not impact on your credit rating in any way.
We work with a number of lenders who can consider a no credit check for your loan. It is important to note that all of our customers undergo a soft credit check in order to confirm eligibility and to give confidence to lenders in your ability to meet repayments. Our approach means there will be no effect on your credit score and is not visible on your credit report.
Instant Decision? | Yes |
No Upfront Fees? | Yes |
Legal? | Yes |
Direct Lender? | Yes |
Bad Credit? | Yes |
Completely Online? | Yes |
We save you valuable time in securing a payday loan with our fully online service – you don’t even need to leave the house! The application form on our website is simple and fast to fill out and will lead to an instant decision for your $400 loan from lenders all across your state. If approved, it is possible to secure the money you need the very same day.
Here at Harpsey we understand the urgency in securing a payday loan due to unexpected expenses that can leave you short financially. By applying within 9am-5pm working hours between Monday and Friday, you will increase the chances of getting quick access to funds.
Although we cannot guarantee approval for all customers, we will work our hardest to find a lender most likely to approve your application. It is therefore important to fill out the form with the most accurate details to make the process in securing you an offer as straightforward as possible.
The wide search of our online platform means that we can find an offer for borrowers with all credit histories. So even if you have bad credit history or no credit at all, it is still possible to secure an offer.
You can choose to repay back your loan over a period of 1 or up to 60 months in equal monthly installments. The money will be collected from your bank account on an agreed date and you will be reminded of any upcoming payments – making the process totally hassle-free and allowing you to focus on getting back on your feet financially.
You can always look to repay your $400 loan early which can help save you money on interest. Make sure to check this option with your lender as there may be a fee for early repayment.
Consider whether a payday loan is the best option for you, as the cost of a payday loan can start to add up if you cannot meet the repayments. Borrowing $400 online should only be seen as a short term solution in securing instant money before your next paycheck.
No! Our free service is here to help match you with the most competitive loan rate in your area and there is no upfront fee.
Take time to consider how much you actually need to borrow so that you can comfortably meet your repayments. Payday loans can quickly become an expensive form of finance so consider alternative options such as borrowing from friends or family.
Failing to meet repayments of your payday loan can lead to additional interest and can damage your credit rating. Make sure you can confidently make your repayments before agreeing to a payday loan.