Borrow $500 Loans - Apply Today With Harpsey

If you have found yourself needing extra funds to cover an unexpected expense, such as housing repairs or a medical bill, Harpsey can help match you to a lender to secure $500, fast! Our simple online form provides you with an instant offer and, if approved, you could have money in your account within 1 hour, 24 hours or by the next business day!

Get a $500 Payday Loan With Harpsey In 3 Simple Steps:

Step 1: Apply Online Today Via Our Simple Application Form

Submit a request by completing our online form and get access to the best rates for payday loans in the US.

Step 2: Receive An Instant Decision From A Lender

You will receive an instant response from a network of reputable lenders. You can then choose to proceed and agree to the terms of your $500 loan.

Step 3: Get $500 In Your Bank Account

Once approved, your loan will be available in your live checking account within 1 hour, 24 hours or by the next business day in one lump sum.

Representative Example

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

Why Should I Use Harpsey To Borrow $500?

A short-term loan might be the best option for you to cover unexpected costs and see you through until your next paycheck. Harpsey can help you borrow $500, or up to $35,000, by matching you with a lender in any of the 37 states across the US that permit loan services. The process is fully online meaning you can apply from wherever you live and can save you valuable time in searching for and visiting lenders in person. 

The process is fast and free, and there are options for customers with no credit and loans without credit checks. With repayments plans of 2 weeks up to 5 years, click ‘Apply Now’ to get started.

Am I Eligible To Borrow $500 With a Payday Loan?

Before you apply for a payday loan, there are a few simple criteria you must meet in order to be eligible for approval from a lender:

  • You must be a U.S. citizen
  • You must be over 18 years of age 
  • You must have a stable income and employment
  • You must earn a minimum of $800 per month
  • You must have a live US checking account

Can I Borrow $500 With Bad Credit Rating?

Yes! Harpsey can help secure you a loan offer even if you have bad credit. As long as you meet the other eligibility criteria including having employment and a stable income, you can still receive an instant decision from one of our partner lenders and potentially have access to $500 the same day of applying. 

Can I Borrow $500 With No Credit Checks?

Yes! If you are looking for no credit check loans, Harpsey could help find a lender who can consider other factors than just your credit rating. Don’t let worries of bad credit history prevent you from applying – our wide pool of lenders can work with borrowers no matter what their credit score is. Completing our form will also not have any visible trace on your credit report.

Key Features of a $500 Loan


Legal? Yes
Bad Credit? Yes
Same Day Funding? Yes
Legal? Yes
Direct Lender? Yes
Completely Online? Yes

Where Can I Get a Payday Loan of $500?

Our fully online process searches multiple lenders all across the US – therefore borrowers can apply from whichever town or city they are located in. Fill out the form today and we will match you to a lender in your location, including any of the states below:

How Can I Borrow A $500 Loan Fast?

Filling out our online form is incredibly fast and will lead to an instant loan offer on your screen in minutes. Once you have completed adding details including how much you are looking to borrow and for how long, and information about your employment and income, we will match you with the best payday loan rates in your area. 

If approved, and in some cases after some additional checks, you could have access to the money in your bank account within the hour. We want to help secure the money you need for your financial emergency as quickly as possible – get started with our free service now

How Do Repayments Work For $500 Loans?

Once you have been approved for a $500 payday loan, 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 Loan Repayment?

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. Harpsey is a broker, meaning we do not provide funds to you directly. Our service works by matching you with a lender best suited to your financial situation.

Harpsey can help to find payday loans ranging from £100 up to $35,000. The amount you are able to borrow might be subject to other factors including your income, credit status and the number of other loans you currently have open.

Repayments can be made over a period ranging from 2 weeks up to 60 months. Repayments will be made in equal monthly installments and there is always the option to repay your loan early.