How to Get a $ 800 Loan for Bad Credit?

$ 800 loan works like this: you apply, wait for the lender's approval and receive the money directly into your bank account.

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Author:

Eric Oshea

$ 800 Loans For Bad Credit Is Your Best Choice!

How often do you face difficult life situations and cannot find the money? Many Americans need emergency funding from time to time, as they do not have the savings in case of a difficult life situation. It can be anything like medical treatment, car repairs, buying groceries, renting an apartment, unexpected bill, and so on, but all these things require money in order to cover the costs. If you need $ 800 to meet your needs, a bad credit Payday Loan is your chance. Bad credit is not a problem!

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Need money now? But have bad credit? Just choose the necessary amount to get approved for quick financing with any credit score:

What Is $ 800 Loan?

First of all, you should know that Payday Loan is a simple unsecured type of financing that provides borrowers with different types of credit with the opportunity to apply and receive money for their needs. $ 800 Loan is unsecured so no collateral is required. Also, you should pay attention to the fact that you will need to pay off the debt with interest on the day of your next paycheck. Payday lenders don't have a lot of eligibility criteria, so almost any borrower can apply and get approved.

More and more people are applying for Payday Loans, as the loan is easy enough to get. Even if you have a bad credit history and had problems paying off debts earlier, now you can get a Payday Loan and solve all your problems.

How Do $ 800 Loans Work?

You can apply for financing both in the lender's store and online, but the easiest and safest option is to apply online. Thus, you do not have to look for a lender near you, go to his office, wait in line and fill out a large amount of paperwork. Learn a few simple steps to get your $ 800 Loan as quickly as possible:

1Choose a lender. In order to get the best deal, you need to compare the various loan offers in your state. Pay close attention to interest rates and additional fees and charges.
Complete the form. Completing an application for a $ 800 Loan will not take you more than 10 minutes. You can do this at any time convenient for you while sitting on your own sofa. You will need to visit the site of the selected lender, provide the necessary information about yourself, such as name, residential address, income, etc. After making sure that all the data has been entered correctly, send an application.
Wait for approval. Lenders usually take some time to review your details and make sure that you meet the requirements, but more often than not, applications are approved almost instantly. Even if you have bad credit, you are still eligible to receive money. If your application is approved, the lender will contact you to discuss the terms of the loan and the debt repayment.
Get paid. Once you carefully study the contract and sign it, you will be able to obtain funding. The loan amount will be transferred to your bank account within one business day.

Bad Credit $ 800 Loan

If you have bad or poor credit, it can be difficult to get funding. You probably know that credit unions and banks do not work with bad credit and do not provide small loans. However, you can still get paid if you choose a direct payday lender.

Payday lenders believe that previous mistakes should not affect the ability of the borrower to obtain financing in a difficult life situation. Thus, more often than not, they do not ask for a traditional credit check at all. However, you should understand that Payday Loan is a rather expensive type of financing, so you will have to deal with high interest rates and commissions.

Can I Get a Guaranteed Loan of $ 800?

Many borrowers with bad or poor credit look for Payday Loans guaranteed approval; however, this is just a myth. No lender provides guaranteed loans as it is too risky. In any case, you will have to meet certain eligibility criteria in order to be eligible for funding. However, you should be aware that over 80% of applications for Payday Loans are approved, so your chances are high.

What are the Requirements For Getting a $ 800 Bad Credit Loan?

As already mentioned, in order to receive $ 800 Loan, you will need to meet certain eligibility criteria of the selected lender. They can vary from state to state, but the main ones remain the same:

Be a US citizen or official resident
Be at least 18 years of age or older
Have a regular monthly source of income
Have an active bank account
Provide government-issued ID
Provide social security number
Provide contact details such as phone and e-mail

How Much Does A $ 800 Payday Loan Cost?

A Payday Loan is a rather expensive type of financing, so you must be prepared for extremely high interest rates. More often than not, you will have to pay between $ 15 and $ 30 for every $ 100 borrowed. Also remember that some lenders charge an early repayment fee, prepayment fee, late payment fee and so on.

How Can I Get A Loan As Fast As Possible?

$ 800 Payday Loan is the easiest and fastest way to get money for borrowers with bad credit. However, you should also know that the fastest way to get approval is through an online application. If you meet the basic eligibility criteria and have studied the state laws in advance, your application will be approved almost instantly and you can receive a deposit within one business day directly into your bank account.

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Material disclosure

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Here's a quick example:

You borrow $1,000 with an APR of 3% over 3 years (assuming an annual APR calculation).
Year 1 interest: 1,000 x 0.03 = 30 and 30 + 1,000 = 1,030
Year 2 interest: 1,030 x 0.03 = 30.9 and 30.9 + 1,030 = 1061
Year 3 interest: 1,061 x 0.03 = 31.83 and 31.83 + 1,061 = 1,092.83 In total, you'll pay back $1,092.83 at the end of the finance period.

For peace of mind, and to ensure you know what you're going to pay, ask your lender exactly what fees are included in the APR figure they offer you.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.