Where to Get an $800 Loan Fast
When you're in a financial bind, securing an $800 loan quickly can be a lifesaver. Whether it's for an unexpected bill, urgent car repairs, or another pressing expense, knowing where to turn for fast cash is crucial. Fortunately, several options can provide the quick funding you need.
Why you might need an $800 loan
There are many reasons you might need an $800 loan, especially when unexpected expenses randomly show up at your doorstep. Some common situations where you might need an $800 loan include:
- Emergency expenses
- Medical bills, urgent home repairs, or sudden car breakdowns can require immediate funds that you may not have on hand.
- Bills and rent
- If you're short on cash before your next paycheck, an $800 loan can help cover rent, utilities, or other essential bills to avoid late fees or service issues.
- Debt consolidation
- If you're juggling multiple small debts with high interest rates, a short-term loan might help consolidate payments and lower overall costs.
- Unexpected travel
- A last-minute trip for a family emergency or another urgent reason might require quick funding.
- Business or personal investments
- Whether it's buying necessary equipment or covering short-term expenses, a small loan can provide a financial boost.
Securing an $800 loan fast can help you manage these financial challenges effectively.
Where to get an $800 loan today
When you need an $800 loan, speed and convenience are key. Finding a reliable lender that offers fast approval and same-day funding is essential. Luckily, there are various $800 loan options to choose from.
Personal loans from online lenders
Online direct lenders like Advance America are one of the most convenient and accessible options for securing an $800 loan quickly. Many online lenders offer fast approval processes and minimal paperwork, making them a great choice if you need cash in a hurry.
Most online lenders don’t require you to have good credit, making them great options, regardless of your financial history. Simply apply for the personal loan online, wait for approval, and you could have the money you need within just a few hours.
Credit card cash advance
If you need money immediately, you might be able to withdraw $800 from your credit card in the form of a credit card cash advance.
There is usually a higher charge for a credit card cash advance than for a normal purchase, so make sure to factor in the cash advance fee and additional interest before hitting up the ATM.
Payday Loans
A Payday Loan is a small-dollar loan meant to bridge the gap between paychecks. What this means is that you’ll repay the loan in full, plus interest, on your next payday — typically within two to four weeks.
This type of loan is helpful if you need money in a pinch for time-sensitive things like your electric bill or a student loan payment, as it can hold you over until you get paid next.
Installment Loans
Installment Loans are a popular $800 cash advance loan option because they allow you to repay the loan in fixed monthly payments over a set period. They offer more manageable terms, often ranging from a few months to a year. While interest rates vary, Installment Loans provide a structured repayment plan that can be easier to budget for compared to most short-term loan options.
Can you get a $800 loan with bad credit?
You could get an $800 loan with bad credit if you meet the lender’s application requirements. Many online lenders and credit unions offer loans to borrowers with poor credit. Instead, they may require proof of income or other ability to repay.
Consider applying through lenders that specialize in bad-credit loans, apply with a co-signer, or explore alternatives for better approval chances. Always check the credit requirements before you apply for an $800 loan, as you don’t want a surprise hard credit check.
➢RELATED: Soft vs. Hard Credit Checks
Alternative ways to get an $800 loan quickly
If you need $800 quickly but don’t want to take out a traditional loan, there are several alternative options to consider. From paycheck advances and borrowing from friends or family to selling unwanted items, these methods can provide fast cash without high interest rates.
Ask your employers for overtime or a payday advance
If you need extra income, your employer may be able to help. Start by asking if overtime hours are available, as many companies offer additional shifts during busy periods.
When extra hours aren’t an option, check with HR to see if your company provides paycheck advances, which allow you to access part of your earned wages before payday. Some employers also offer flexible payroll options, so it’s worth discussing whether you can adjust your pay schedule to get your money sooner.
Talk to friends and family
Reaching out to friends or family members can be a good short-term solution when you’re facing financial difficulties. Be honest about your situation and let them know what kind of help you need.
If they’re willing to lend money, make sure to set clear expectations on repayment to avoid any fights or misunderstandings. And if direct borrowing isn’t an option, consider offering a trade. Babysitting, house cleaning, or running errands are great things to exchange for financial support.
Find another source of income
A side gig can be a great way to bring in extra cash while using your skills and free time. If you're talented in writing, graphic design, tutoring, or handyman work, look for freelance opportunities online or in your community.
Gig economy apps also offer quick earning potential through rideshare driving, food delivery, or completing short-term tasks.
Sell some of your things
Selling items you no longer need can be an easy way to make extra money, while also freeing up space around your home. Start by decluttering your home and gathering gently used clothing, electronics, furniture, or collectibles.
Online marketplaces like Facebook Marketplace, eBay, and Craigslist make it easy to connect with buyers and sell quickly.
Tips to improve your financial situation
If you’re concerned about falling into the cycle of needing loans often and accumulating debt, it might be time to re-examine your finances. Some things you can do to improve your financial situation include:
- Making a budget
- Building an emergency fund
- Finding ways to increase your income
- Cutting back on unnecessary purchases
- Figuring out a strategic plan to pay down your debt
FAQs about borrowing $800
Is it safe to get an $800 loan online?
Getting an $800 loan online is safe if you choose a reputable lender and only apply for an amount you know you can repay. Look for lenders who are licensed in your state, have positive reviews, and provide clear loan terms.
Does getting an $800 loan affect my credit?
It depends on the lender. Some lenders run credit checks that can cause a small, temporary drop in your credit score. Applying for an Advance America loan, however, will not impact your FICO or VantageScore.
What can an $800 loan be used for?
Many people use $800 loans for car repairs, medical bills, rent or utility payments, or essential household expenses. Some also use it to manage short-term cash flow gaps between paychecks.
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Notice: Information provided in this article is for informational purposes only. Consult your attorney or financial advisor about your financial circumstances.
About the author
Ashley Masiello is an experienced copywriter and editor who has crafted engaging content for numerous websites and continues to do so with Advance America. She likes to combine her creative personality with clarity to make concepts easy and fun to read.