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Borrow $400 Loans Online Now - Check Your Eligibility With Harpsey

If need a quick financial boost, Harpsey is here to offer you a hassle-free solution. Apply to borrow $400 today to help you bridge the gap between paychecks and cover those urgent expenses, such as medical bills or home repairs. Even if you have bad credit or are seeking a no credit check loan. Simply fill in our online form, and you could have the funds you need within 24 hours or even on the same day of applying!

3 Simple Steps To Borrow $400 With Harpsey

Step 1: Fill Out The Online Application Form

Our online application form takes just a few minutes to complete, allowing you to receive an instant decision on your loan request.

Step 2: Wait For Approval From a Direct Lender

Once you’ve submitted your loan request, our network of trusted lenders will review your application and provide loan offers tailored to your needs.

Step 3: Have $400 In Your Account As Soon As Possible

After choosing the loan offer that suits you best, you can get the $400 loan transferred directly to your bank account by the next business day. 

What Is The Eligibility Criteria to Borrow $400 with Harpsey?

To be eligible for a $400 loan with Harpsey, we have a few simple requirements that you need to meet:

  • You must be at least 18 years old to apply for a loan.
  • You need to be a resident of the United States.
  • Having stable employment is essential, as it ensures your ability to repay the loan.
  • You should have a regular source of income to demonstrate your capacity to handle loan repayments.
  • A valid and active checking account is necessary for the funds to be deposited once your loan is approved.

Our network of lenders are able to consider a range of different credit histories, so don’t hesitate to apply even if you have faced challenges in the past. Meeting these simple requirements will pave the way for a smooth and straightforward loan application process. Click on the “Get Started” button now to begin your journey to borrow $400 with Harpsey.

Do You Charge Fees For Applying For a Payday Loan?

  • Fast and Easy Application Process – At Harpsey, we value your time and convenience. Our streamlined online application process ensures you get a quick decision without any unnecessary delays.
  • Connect with Trusted Lenders – Our extensive network of reputable lenders is ready to offer you the best $400 loan options that align with your financial situation.
  • No Hidden Costs or Fees – Applying for a $400 loan with Harpsey is completely transparent and free of charge. There are no hidden fees or costs to worry about.
  • Flexible Repayment Options – Repaying your $400 loan is stress-free with Harpsey. You’ll have the flexibility to set up equal repayments over 1 month or up to 60 months.

Can I Borrow $400 With Bad Credit?

Even if you have bad credit, you can still apply for a $400 loan through our network of lenders. At Harpsey, we believe that a less-than-perfect credit history shouldn’t stand in the way of accessing the funds you need.

We understand that financial setbacks can happen to anyone, and we focus on your current financial situation and ability to repay the loan promptly. By taking out a $400 loan and making timely repayments, you even have the opportunity to improve your credit score over time.

Can I Get A No Credit Check Loan for $400?

Yes, we understand that some borrowers may be concerned about traditional credit checks affecting their loan approval. At Harpsey, we can match you with a lender who offers no credit check loan options for $400. 

While most lenders may still perform a credit check for verification purposes, a lender from our extensive network may be able to prioritize your current financial situation and ability to repay the loan over past credit history.

Additionally, we provide alternative options, such as secured loans, where your car or property can be used to secure the loan. This allows you to access the $400 you need without solely relying on a credit check.

Key Features of $400 Loans


Loan Amounts $100 to $35,000
Loan Terms 1 to 60 Months
APR 200% to 400%
Same Day Funding Yes
Bad Credit Yes
Direct Lenders Yes
Upfront Fees No

Representative Example Of A $400 Loan

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

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. You can borrow more (e.g. you can borrow $600) or less (e.g. you can borrow $300), as long as you know you can afford to pay it back.

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. 

Ready to Get Your $400 Loan?

Getting your $400 loan is as easy as 1-2-3! Fill out our simple 100% online loan request form with your contact information, desired loan amount and employment details. You will receive an instant offer for your loan on your screen. If you choose to accept, once your request is approved, you can expect the funds to be transferred to your bank account within 24 hours or the next working day. 

Don’t let unexpected expenses get in your way. Get started with Harpsey now and borrow $400 to tackle your financial challenges with confidence!

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

Harpsey does not charge any fees for submitting a loan request. Our service is entirely free to use. If your loan request is successful and you receive funds, we may earn a commission from our partnered lenders.

In some cases, you may receive the funds in your account on the same day of applying! If not, you can expect to have the money deposited into your account by the next working day. The application process takes just 5 minutes, making it quick and convenient.

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. 

While it is possible to borrow $400 with no credit check, most applications do undergo a credit check. This check provides assurance to lenders of your ability to repay the loan. Harpsey’s lenders consider a range of credit histories, including those with less-than-perfect credit scores.

Harpsey will work to get you a $400 loan in the following states: Alabama, California, Colorado, Florida, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Nevada, Ohio, Tennessee, and Texas.