Borrow $4,000 Online With Harpsey - Apply Now

Click ‘Get Started’ below to complete our quick and easy payday loan application form and get an instant response from a direct lender. Wherever you are in the US, we can find the most competitive loan rates, even if you have bad credit. If approved you could have $4,000, or up to $ 35,000, in your account within 1 hour, 24 hours or by the next business day.

Representative Example

Borrow $4000 over 3 months, at 400% APR, 3 repayments of $2306.31, total repayable $6918.93

How To Borrow $4,000 In 3 Simple Steps:

Step 1:

Complete The Online Application Form

It is straightforward to apply through Harsey for a payday loan. Simply enter your basic details including how much you are looking to borrow and for how long.

Step 2:

 Get An Instant Offer On Your Screen

Harpsey will match you with a direct lender right away. You can then choose to proceed with your offer.

Step 3:

Receive $4,000 In Your Bank Account As Soon As Possible

If your loan is approved, you could have $4,000 in one lump sum in your live checking account on the same day or within 24 hours.

What Is The Criteria To Get a $4,000 Payday Loan?

In order to get approval from a US lender, there are a few simple criteria that you must meet. If you fit the requirements below, get started on your quick application form today!

You must be a US citizen
You must be over the age of 18
You must be in stable employment with a regular income
You must earn a minimum of $800
You must have a live checking account for your loan to be deposited into

Take time to consider whether a payday loan is the right solution for your situation. Payday loans should not be used for general spending, but to cover short term financial emergencies. If you cannot repay your loan on time, there can be interest added and you credit rating could be damaged. 

How Do Repayments Work For $4,000 Loans?

The terms of your $4,000 payday loan will be agreed upon with your lender before you proceed with your offer. Repayments will be collected from your account in equal monthly installments making the process as simple as possible. Depending on the size of your loan, the period of repayment can vary from 1 month up to 60 months. 

There is always the option to repay your loan early if you can. Make sure to check with your lender as there might be an early repayment fee, but often you will end up saving money as you will be charged less interest on your loan.

Key Features of a $4000 Loan


Bad Credit? Yes
Same Day Funding? Yes
Legal? Yes
Interest (APR)? Can be over 400%
Completely Online? Yes
Instant Decision Yes

Can I Get A $4,000 Loan If I Have Bad Credit?

Yes! It is possible to apply to borrow $4,000 through Harpsey even if you have bad credit. We have an extensive network of direct lenders who specialize in providing loans for borrowers with all types of credit history. Therefore even if you have had a previous application declined by a bank or lender, we can still find you a reputable lender who could approve you for the funds you require. 

A payday loan could be the solution you need to get your credit rating back on track. Click ‘Apply Now’ to get started on your quick and easy application!

Where Can I Borrow $4,000 in The US?


As our service is fully online, you can apply for a $4,000 loan from wherever you are based. Better yet, you don’t even need to leave the house to complete your application! If you live in any of the following locations, or in any state that payday loans are approved, apply through Harpsey now to get the quick loan you need:

Can I Apply To Borrow $4,000 Without a Credit Check ?

Yes, Harpsey can help you explore the option of a loan with no credit check. Note that the majority of our partner lenders will conduct a credit check to check your eligibility and make sure you are able to meet your repayments. There are however other options that can be considered, such as using your house or car as collateral against your loan.

Applying online with Harpsey will not leave any visible trace on your credit report and there won’t be any impact on your credit score. We are here to find the best payday loan for you!

What Should I Consider When Applying For a $4,000 Payday Loan?

Before applying to borrow $4,000 through Harpsey today, take time to consider if a payday loan is what you need for your urgent  financial situation. Think about how you are going to source the funds for your repayments, either from your savings or your income. Meeting your repayments is crucial as there can be consequences if you fail to repay on time. 

If after careful consideration you decide a payday loan is the best choice for you, Harpsey is here to help! Our fast, free and easy online application form can be completed in 5 minutes and will give you an instant decision.

What Happens If I Miss Repayments For My $4,000 Loan?

Falling behind on your repayments can have serious consequences on your credit score. You are likely to face a late fee and have added interest on your loan. If you are aware you cannot meet an upcoming repayment, it is important to contact your lender immediately to discuss your options. They might be understanding of your situation and be able to come up with a more manageable repayment plan.

$4000 Payday Loans | FAQs

Harpsey is a broker therefore you will not receive funds directly from us. Our free online service works to connect you to a direct lender in your area with the most competitive rates on payday loans.

Our online application form takes just 5 minutes to complete and you will receive an instant loan offer on your screen which you can choose to accept. Once approved, you could have funds in your account within 1 hour, 24 hours or by the next business day.