Borrow $400 Loans Now - Check Your Eligibility With Harpsey

We can help match you with a lender to borrow $400 today. Even if you have bad credit or are looking for a no credit check option, simply fill out our easy online application and you could have an instant offer on your screen. If approved, you can have same day access to funds or by the next business day. Click ‘Apply Now’ to get started!

Representative Example

Borrow $400 over 3 months, at 400% APR, 3 repayments of $230.63, total repayable $691.89

How To Get a $400 Payday Loan in 3 Simple Steps:

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

What Are The Criteria To Get a $400 Payday Loan?

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:

  • You must be a U.S. citizen
  • You must be over the age of 18 
  • You must have regular employment
  • You must earn at least $800 per month 
  • You must have an active checking account

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.

Do You Charge Fees For Applying For a Payday Loan?

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.

Why Use Harpsey To Apply for $400 Loans?

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.

Can I Borrow $400 Without a Credit Check?

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. 


Key Features of a $400 Loan


Instant Decision? Yes
No Upfront Fees? Yes
Legal? Yes
Direct Lender? Yes
Bad Credit? Yes
Completely Online? Yes

How Quickly Can I Borrow $400?

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. 

Can I Get a $400 Loan With Guaranteed Approval?

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.

How Do I Repay Back a $400 Payday Loan?

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. 

Can I Get a $400 Payday Loan With Bad Credit?

Yes! Our partners understand that not everybody has a perfect credit history and many even specialize in loans for borrowers with bad credit, therefore whatever your credit score it is worth applying today with our free and simple service. 

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. 

Where Can I Find Payday Loans For $400?

As our process is fully online, your application can be completed from wherever you are. Within minutes you can have an offer for $400 on your phone, tablet or laptop screen. We can help borrowers in a number of areas including:

$400 Payday Loans | FAQs

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.