Representative Example
Borrow $4000 over 3 months, at 400% APR, 3 repayments of $2306.31, total repayable $6918.93
Borrow $4000 over 3 months, at 400% APR, 3 repayments of $2306.31, total repayable $6918.93
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.
Harpsey will match you with a direct lender right away. You can then choose to proceed with your offer.
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.
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.
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.
Bad Credit? | Yes |
Same Day Funding? | Yes |
Legal? | Yes |
Interest (APR)? | Can be over 400% |
Completely Online? | Yes |
Instant Decision | Yes |
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!
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:
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!
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.
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.
Harpsey provides loan offers in all of the US states which currently approved payday loans, including Colorado, Indiana and Nevada. Some states regulate the amount that lenders can offer and for how long. Check out our Payday Loan pages to get further information.
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.