400 Dollar Payday Loans for Bad Credit

Get a cash advance even with a bad or no credit history

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Applying Does NOT Affect Your Credit Score

400 Dollar Payday Loans Online

If you need 400 dollars instantly to cover an emergency, then online direct lenders like us are the best option. We at 12MonthsBadCredit offer 400 dollar payday loans online with no credit check, even if you have a bad credit score. With us, you can get up to $1000 loan by meeting our simple eligibility criteria. We understand that not everyone can have a good credit score, and hence, we mostly depend on your monthly income. For fast loans online, apply through our loan application and get funded on the same day of application.

What are $400 Payday Loans?

400 dollar payday loans are short-term loans that are offered by direct lenders which are meant to be repaid on your next salary date. One must know that it is necessary to repay these loans in a lump-sum, on your next pay day. They are meant to serve as a financial backup to help you get through the month or to address an emergency for which you don't have the money to do so. These aren't long term loans unlike those given by traditional lenders. These loans have slightly higher interest rates as compared to traditional loans but come with the benefit of funding you quickly and efficiently.

400 Dollar Loan with No Credit Check

At 12MonthsBadCreditLoans we avoid conducting hard credit checks to approve loan requests as fast as possible. Credit checks cause a delay in approval and we like to avoid such time-consuming procedures so that we can send money to you as soon as possible.

Since we do not conduct hard credit checks which clearly means that we do not depend on one's credit rating in order to fund them, even borrowers with bad credit scores can feel welcomed.

All we require to offer you a loan is stable monthly income of $1000 or above to be eligible for a 400 dollar loan with no credit check. Along with a stable income, we require some more simple documents which are listed in the section below

What are the Eligibility Criteria

Getting funded by us is very easy due to our basic eligibility terms which are:

You must be at least 18 years old
You must have a valid checking account
You must have an income statement proving that you earn at least $1000 a month
You must provide us with contact details
You must be a resident of the United States

Apply Now to get a 400 dollar loan today.

How Do I Get a $400 LoanToday?

Getting a 400 dollar loan from us includes very simple processes no credit checks required:

Apply Online: It takes just a few minutes to fill out our form after which you can send over the very basic documents that we shall ask you for.
Get Approved: Get approved almost instantly after application. If we have any doubts regarding your information we will get in touch with you.
Get Funded: Get money transferred into your account within just 24 hours.

400 Dollar Loans for Bad Credit

Get easy 400 dollar loans, even with a bad credit score, with no requirement for collateral. Processing collateral takes quite a while which is why we avoid asking for it. When all you need are 400 dollars, you don't have to worry about having to offer collateral, when choosing to apply with us. Even if you have a bad credit rating or no credit history at all, rest assured that you will get funded with us without having to offer security of any sort.Apply now for 400 dollar payday loan with us, and get same day funding.

Consumer Notice

The available loan product types and loan amount limits may vary with the market. All loans are subject to state regulations, eligibility terms, certifications, underwriting and approval. Rates, fees, terms and conditions apply. The loan decisions, disbursal and credit times are subject to system limitation. In some cases, verification may require additional processes, which can delay the loan decision.

We offer short-term loans. Short-term loans are intended towards assisting borrowers with short-term financial needs and they are not intended to serve as long-term financial solutions. Customers with credit related issues and hardships are advised to seek credit counseling.

The credited approval on your application may be based in part or wholly upon information obtained from a national database including, but not confined to TransUnion or eBureau.

Terms such as, “same day approval”, “same day deposit”, “instant approval”, “guaranteed approval”, “bad credit ok”, “one-hour deposit”, “instant deposit”, “no credit check”, etc. are only indicative. Certain conditions, state laws and safety considerations may require such terms to be deviated from. All loan products are subject to various terms and conditions and various parts of the lending process may be subject to system limitations and third-party verifications which can cause time delays and/or loan rejections. Some restrictions may apply.

Equal Credit Opportunity Act: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.