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Borrow $500 Loans - Apply Today With Harpsey

If you have encountered unexpected expenses, such as medical bills or house repairs, getting a $500 payday loan from Harpsey is the perfect solution. We understand the urgency of your financial needs, and that's why we offer a hassle-free online application process. With options for bad credit or no credit check loans available. Get the funds you require within 24 hours or even on the same day of applying!

Borrow $500 in 3 Simple Steps with Harpsey

Step 1: Complete the Quick Online Application Form

Visit the Harpsey website and fill out our user-friendly online application form. Provide essential details such as your contact information, employment status and the desired loan amount ($500).

Step 2: Receive An Instant Decision From A Lender

Once you submit your application, our quick search will connect you with a network of trusted lenders. You’ll receive multiple loan offers tailored to your borrowing needs, ensuring you have the best options available.

Step 3: Select the Best $500 Loan Option and Get Funded

Review the loan offers and choose the option that suits you best. After accepting the loan offer, the funds will be deposited directly into your bank account, allowing you to access the $500 you need ASAP. 

Representative Example

Borrow $500 over 3 months, at 400% APR, 3 repayments of $288.29, total repayable $864.87

Why Choose Harpsey for Your $500 Loan?

At Harpsey, we are committed to delivering a seamless borrowing experience that puts your needs first. When you choose us to match you with a lender for your $500 loan, you can expect the following advantages:

  • Fast and Convenient Application Process
  • Extensive Network of Trusted Lenders
  • Free To Apply
  • Bad Credit and No Credit Check Loans Available
  • Flexible Repayment Options

With repayment plans of 1 month up to 60 months, click ‘Apply Now’ to begin your loan application. The process is fully online so you can get started wherever yo are located from your phone, tablet or laptop.

Am I Eligible to Borrow $500 Now With Harpsey?

To apply to borrow $500 now with Harpsey, you need to meet some simple eligibility criteria. Check that you meet these requirements before applying to save disappointment. To borrow $500 you must:

  • Be at least 18 years old.
  • Be a resident of the United States.
  • Have stable employment and earn a regular income.
  • Hold an active checking account.
  • Demonstrate the ability to afford loan repayments.

Harpsey even offers bad credit loans, so you can borrow $500, borrow $600, or even borrow up to $35,000. If you need money today, get started by filling in the online loan application form.

Can I Borrow $500 with Bad Credit History?

Yes, you can borrow $500 with bad credit history, or even no credit at all! We understand that financial setbacks can happen to anyone, and past credit mistakes shouldn’t define your future. Harpsey’s lenders are willing to consider applicants with bad credit, giving you the chance to access the funds you need.

We focus on your current financial situation and your ability to repay the loan promptly. Therefore even if you have had a previous application denied by a bank or lender, you should still consider applying with Harpsey today. You can receive an instant decision today! 

Can I Get A $500 Loan with No Credit Checks?

Many loan companies offering $500 loans typically conduct credit checks as a standard procedure to assess your eligibility for a loan and your past loan and debt repayment history.However, if you are concerned about being declined due to credit checks, rest assured that there are alternative options available without credit checks when applying through Harpsey.

These options may involve borrowing against your car or property to secure the loan you require. With these alternatives, you can still access the $500 you need without the worry of traditional credit checks affecting your loan approval.

Key Features of a $500 Loan

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

Where Can I Get a $500 Payday Loan Near Me?

To find a $500 payday loan near you, our fully online process searches multiple lenders all across the US. Therefore borrowers can apply from whichever town or city they are located in, and from the comfort of your own home. Fill out the form today and we will match you to a lender in your location, including any of the states below:

How Quickly Can I Get A $500 Loan?

Getting your $500 loan is quick and straightforward with Harpsey – our online loan request form takes just a few minutes to complete. Fill in your contact details, desired loan amount, employment information to begin the process and you will be provided with an instant decision.

Once your request is approved, you can expect the funds to be transferred to your bank account within 24 hours or on the next working day. Don’t let unexpected expenses weigh you down. Get started with Harpsey now and borrow $500 to tackle your financial challenges with confidence!

How Do Repayments For My $500 Loan Work?

The repayment terms of your loan will be agreed upon with your chosen lender. For short term loans, often it will be repaid on your next payday in 2 to 4 weeks. For long term loans, this will be paid in equal monthly installments of up to 5 years.

Repayments will be collected from your bank account on an agreed date making the process as manageable and hassle free as possible. Interest will be added daily or monthly to your loan so make sure you have noted the terms of the loan and will still be able to comfortably meet your repayments. If you find yourself able, you can always pay off your loan early which can help save you money on interest.

What Happens If I Miss a Repayment On My $500 Loan?

Failing to meet a repayment of your $500 loan can lead to a late fee, interest being added to your loan and can ultimately damage your credit score. Before agreeing to a payday loan, it is essential to fully consider the amount you need to borrow and how you will be repaying the money. 

If you think you are going to fall behind on repaying your loan, it is essential to contact your lender immediately. They might be able to find a more manageable repayment plan and prevent you falling into further financial difficulty.

$500 Payday Loans | FAQs

No, your credit score will not be affected when applying for a loan with Harpsey. We carry out a soft credit search which allows any potential lenders to check your credit score and history, but this will not be visible on your credit report and will not impact on your ability to apply for future loans. 

Generally it will be difficult to get a $500 payday loan without a job or other source of income. This is because payday lenders usually require proof of  income such as a pay stub or bank statement.

Yes, it is technically possible to get a $500 payday loan if you already have an existing payday loan, but some states limit the number of payday loans you can have at one time. It may also be unwise to take out several payday loans due to their high interest rates. 

Usually the answer is yes, but extending the loan term can often mean paying additional fees and interest. However, some states prohibit payday loan renewals or rollovers to prevent borrowers from getting trapped in a cycle of debt.

Alternatives include personal loans and borrowing from family or friends. These options offer lower interest rates but come with their own drawbacks.

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 a few minutes, making it quick and convenient.