How to Get a $400 Loan Fast
A quick solution for emergencies with instant approval
- No hidden fees or surprises
- Real-time decisions in minutes
- Same-day access to funds
- Money from a trusted direct lender
- Deposited directly into your account
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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When an emergency strikes, 1F Cash Advance helps you cover unexpected costs quickly. You can easily request up to $1,000 online for immediate needs, such as bills, repairs, or medical costs. We offer a simple application process, instant approval decisions with no hidden fees, and funds deposited directly into your account, often on the same day. It’s an easy and secure way to get a $400 loan when you need it most.
Why Get a Small Loan with 1F Cash Advance
1F Cash Advance makes it convenient to handle financial surprises. The process is fast, transparent, and straightforward, so you can move forward with confidence.
Predictable Payments
Choose any amount up to $1,000 with clear terms and fixed payments. You can manage your budget confidently and always know exactly what you’ll pay.
Fast Access When You Need It
Once approved, your funds are sent directly to your account, typically within one business day, so you can cover unexpected expenses right away.
No Hidden Fees
At 1F Cash Advance, you won’t face hidden charges or surprise costs, making your borrowing experience stress-free.
Simple Online Application
Getting started is quick and smooth. Сomplete a brief online form, review your offer instantly, and take care of your financial needs without any extra steps or paperwork.
How to Calculate Your Payments
Before applying, it’s essential to understand your loan payments.
For a payday loan, the fee usually ranges from $10 to $30 for every $100 borrowed. A $400 payday loan for 14 days typically costs an extra $40 to $120, depending on your state and eligibility. That means you would repay between $440 and $520 in a single payment, usually on your next payday. The equivalent APR ranges from 260% to over 700%.
Installment loans work differently, as you pay back the amount over several months. Interest rates can range from 16% to 200%, depending on your credit and application details. If you take out a $400 installment loan with bad credit for 4 months at a 36% APR, your monthly payment would be $107.61, with a total repayment of $430.44. Exact payment amounts depend on the repayment term, interest rate, and any additional fees.
Use our loan calculator to estimate the total amount you’ll need to repay, including interest and fees, based on your chosen loan amount and the terms offered.
How to Apply
Getting started with 1F Cash Advance is fast and simple. Here’s what you need to do:
Submit a quick online request
Enter your personal, income, and bank account details in the form through our secure platform.
Apply NowGet a decision within minutes
We review your information instantly and provide a decision on approval.
Get funded
Receive your money on the same day if approved early.* The funds are transferred to your account so you can use them right away.
*Same-day funding is typically available for approvals before 10:30 am local time on weekdays. Loans finalized later or on weekends are funded the next business day.
What You Need to Qualify
Before requesting funds, make sure you meet these essential requirements:
- Be at least 18 years old
- Have a steady income (job, benefits, or regular source)
- Maintain an active checking account
- Provide a valid government-issued photo ID
- Have a working phone number and email address
- Be a U.S. citizen or permanent resident
- Live in a state where our services are available
- Not be currently involved in bankruptcy or debt management proceedings
Explore $400 Loan Types
If you need money quickly, there are several loan options available. Before choosing one, review the terms and requirements, and consider how the loan will affect your budget and overall financial stability.
Payday Loans
With a payday loan, you can borrow $400 quickly for up to 31 days and repay the entire amount plus fees on your next payday. No collateral is required, and funds arrive in 24 hours. This option is great for small emergencies and money gaps between paychecks.
Installment Loans
Installment loans allow you to borrow $400 and repay it in equal monthly amounts over a term of 2 to 24 months. This option is suitable for those who prefer to manage their budget with predictable, extended payments.
Online Personal Loans
At 1F Cash Advance, you can get a personal loan of up to $15,000 for a term of 12 to 60 months. Borrowers with good credit history can get APR from 6% to 36%. Personal loans can help you with a wide range of purposes, from debt consolidation to home improvements.
Line of Credit
A line of credit allows you to borrow money within a certain limit and only pay interest on what you use. Average annual percentage rates vary from 10% to 25%, but can be higher. You can make minimum payments while interest will accrue on the outstanding balance. This is a flexible option for covering recurring or unexpected expenses.
Loan Apps
With mobile loan apps, you can get a $400 loan with no credit check, as most of them are income-based. Funds are usually available within a few minutes or 24 hours. These loans are usually interest-free but a small subscription fee from $1 to $10 per advance may apply. You will need a bank account and proof of regular income.
About 1F Cash Advance
1F Cash Advance helps people quickly access loans to address financial challenges. We provide a convenient and secure service both online and in stores across the country. Customer data is kept strictly confidential. We do not share information with third parties and our loan application process is simple and hassle-free. Our core goal is to help borrowers of all credit scores find affordable financial solutions that meet their needs.
FAQ
How do I make my loan payments?
If you take out a payday loan, the full amount plus fees will be automatically withdrawn from your bank account on your scheduled repayment date. For installment loans, a fixed amount with interest will be debited each month until the loan is fully repaid. Please make sure you have the required funds in your account on the due day to avoid any late fees.
Can I pay off my loan early?
Installment loans can usually be paid off early without any penalties. However, exceptions may apply. Please check the details in your agreement. If you plan to repay early, please notify your lender in advance.
Are there any fees for making a late payment?
Yes. If you miss a payment or have insufficient funds in your account, both the lender and your bank may charge additional fees. If you pay by check and it bounces, a separate penalty can also apply. The exact amount and type of fee depend on your state laws and the specific terms of your loan agreement. Always review your contract to understand all possible charges related to late or failed payments.
I need $400 now. What’s the fastest way to get a loan?
At 1F Cash Advance, you can apply online and receive your funds within 24 hours. If you submit your application before 10:30 am, your money will be transferred to you on the same day.
Can I get a $400 loan with bad credit?
Yes, borrowers with bad credit can qualify. Your income and ability to repay are the most important factors in our decision-making process. While approval is not guaranteed, you have a high chance of getting a loan.
What are alternatives for small loans?
Other options include borrowing from friends or family, using a credit card cash advance, seeking assistance from local community organizations, or exploring employer paycheck advances. Always compare the terms and potential costs before choosing the best solution for your situation.
How do I set up direct deposit to my checking account?
Simply provide your bank account and routing numbers during the application process. Funds will be deposited directly once you’re approved.
When can I apply for another loan?
You can usually apply for another loan 30 days after paying off your previous one. However, state limits and cooling-off periods may apply. Always check your agreement for specific details.