Request a $400 Loan Immediately! Fast Online Application for Any Credit

Request Your Loan

Your personal information is safe with us.
Read and agree to Terms of Use before submitting your request.

By: Frank Partnoy | Updated: 2025-06-02 06:10:20

Secure a $400 Loan When You Need It Most

A $400 loan is a short-term cash solution you can use to cover urgent expenses that cannot wait for your next paycheck. Many borrowers turn to a $400 loan to fix a car needed for work, pay a utility bill before service is cut, buy a prescription, or handle a small home repair. 

Through 24CashFast, you can complete one fast, secure step and instantly connect with multiple lenders offering $400 loans. Because the dollar amount is modest, lenders usually offer streamlined underwriting and fund quickly—often within one business day after approval, with the money deposited directly into your bank account.

$400 Loan Options Available Through 24CashFast

  Loan Type

  Amount

  Term

  APR / Fees

  Repayment

  Eligibility Highlights

  Payday Loan

  $100 – $1,000

  7 – 31 days

  $10–$30 per $100 (≈200–600% APR)

  Single lump sum

  Income, bank account, 18+, valid ID, no hard check

  Installment Loan

  $300 – $3,000

  3 – 24 months

  18% – 99% APR

  Monthly payments

  Income, $1,000+/month, soft/hard credit check

  Personal Loan

  $1,000 – $50,000

  12 – 60 months

  8% – 36% APR

  Monthly payments

  Income proof, credit check, DTI review, 580+ FICO

How to Request a $400 Loan With 24CashFast

  1. Complete the secure form on 24CashFast with your contact details, income, and bank information. The process takes about five minutes.

  2. We instantly route your data to multiple licensed lenders that operate in your state.

  3. Within seconds to minutes, review any offers on your screen. Each offer lists the amount, fees or APR, repayment schedule, and all legal disclosures.

  4. Select the offer you like. You are then redirected to the lender’s site to e-sign the loan agreement.

  5. Once signed, the lender deposits the money—often next business day; some provide same-day funding if you sign early.

Can You Qualify With Poor Credit?

Bad credit doesn't automatically disqualify you from getting approved. Most payday and installment lenders prioritize your current earning capacity over past financial missteps. With 24CashFast, you won't face a hard credit inquiry, and many of our lending partners use only soft credit pulls that don't affect your score. Your monthly income level and an active bank account typically carry more weight in the approval process than your FICO score.

Tips to Improve Approval Odds

  • Verify your take-home pay is at least $1,000 a month; higher income strengthens your application.

  • Enter accurate bank routing and account numbers to avoid funding delays.

  • Borrow only what you can repay on the first due date; late or missed payments harm your credit and add fees.

Why Use 24CashFast Instead of Applying One-by-One?

Submitting a single application to each lender takes time and can lead to multiple hard credit pulls. 24CashFast simplifies the process by:

  • Sending your information to many lenders at once

  • Displaying real offers side by side so you can compare cost

  • Increasing your approval odds because more lenders see your request

  • Providing the entire service online with no store visits and no fee to you

Remember, 24CashFast is a matching service, not a lender. Always read your chosen lender’s full loan agreement and make sure you can repay on schedule. Responsible borrowing protects your credit and keeps overall costs low.

FAQ's

24CashToday can help you get a loan with credit scores as low as 400-450. Browse our website for more details and terms or complete our online loan request form.

Yes, it is possible to get a $400 loan with bad credit through payday loan lenders who don't conduct hard credit checks.

It typically takes one business day for the loan amount of $400 to be available in your account after approval.

Repayment terms vary, but $400 loans are often due by your next payday or within 30 days.

It's essential to read the loan agreement carefully. Some lenders may charge additional fees, such as origination fees or late payment penalties.

It depends on state regulations and the lender's policy. It's advisable to avoid multiple loans to prevent financial strain.

To get $400 instantly without a loan: 1. Sell Unwanted Items: List unused items on platforms like eBay or Craigslist. 3. Pawn Shops: Pawning valuables can provide immediate cash. 3. Gig Economy: Drive for Uber or deliver with DoorDash for quick earnings. 4. Rent Out Space: Consider hosting guests on Airbnb or renting out a parking spot.

Advertising Disclosure: At 24CashToday, we pride ourselves on transparency and integrity. Please note that we do not feature any paid advertisements or sponsored content on our website. All information provided is unique, objective, and independent. Our goal is to offer reliable financial information and quick access to loans, with your best interests in mind.