Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

How to get a $300 loan by tomorrow

Compare options to find the fastest, most affordable one for you.

You don’t necessarily have to turn to a payday loan if you need to borrow $300 fast. There are several cheaper options out there — though some might take a little more time. If you do go with a short-term lender, make sure you’re working with a company you trust.

Compare $300 loans

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $4,000
1 business day
Direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
$500 to $10,000
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
CashUSA Installment Loans
$500 to $10,000
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.

Compare up to 4 providers

Where to get a $300 loan

Consider these options before you decide on a lender:

  • Pay advance apps. Pay advance apps like Earnin offer access to wages you’ve already earned if you’re an hourly worker, though not all offer up to $300. You can sometimes get your funds as fast as the same day in exchange for an optional tip or small fee.
  • Your employer. Some employers also offer pay advances, either themselves or through an app like Payactiv or FlexWage.
  • Payday alternative loans (PALs). A handful of federal credit unions offer $300 loans with APRs capped at 28% and a six-month term, though you have to be a member for at least a month to qualify.
  • Payday loans. If you live in a state where payday loans are legal, this last-resort option can get you $300 as fast as the same day, typically for a fee of around $30 to $45.

How to get a $300 loan

Follow these steps to find the right provider:

  1. Compare types of advances. Read up on your different borrowing options before deciding what type of lender you want to work with.
  2. Compare providers. Rule out any providers you can’t qualify with before comparing factors like cost, turnaround time and how repayment works.
  3. Prequalify. If possible, fill out a quick prequalification form to make sure you’re eligible and find out what rates, fees and terms you might get with that provider.
  4. Apply. After deciding on a lender, complete the application and submit it along with any required documents, such as pay stubs and bank statements.
  5. Get your funds. You might get your money deposited directly into your bank account. Some payday lenders also offer cash, checks, money orders or prepaid debit cards.

5 questions to ask yourself before choosing a loan

Before taking out a $300 loan or advance, ask yourself a few questions first:

  • Can I ask friends or family instead? Borrowing from a relative or friend is almost always a cheaper option. Learn more about best practices and how to ask by reading about family lending.
  • Is it available near me? Payday loans and some pay advance apps aren’t available in all states, and not all federal credit unions offer PALs.
  • Can I qualify? Make sure you meet the lender’s other eligibility criteria, such as employment and bank account requirements.
  • How much does it cost? Most $300 loans come with a flat fee. Consider that, as well as additional costs that you might have to pay like late fees.
  • Is this lender legit? Check out customer reviews on sites like Trustpilot and the Better Business Bureau to make sure you’re working with a reputable company.


  • Multiple options available
  • Potentially get funds the same day
  • Same fixed fee for most borrowers


  • Not all options are available in all states
  • Pay the equivalent of a 120% to 390% APR on payday loans
  • Risk getting caught in a cycle of debt

    Find out if you can get a payday loan in your state

    Bottom line

    You have several options when you need $300 by tomorrow, from pay advance apps to short-term loans from credit unions. Payday loans are generally the most expensive, but they might be your only option if you don’t have a bank account or aren’t employed.

    You can learn more about your short-term loan options by reading our guide to payday loans.

    Frequently asked questions

    More guides on Finder

    • How to play to earn with Sipher

      Get started playing Sipher, a new crypto video game. Sipher is a social cyberpunk multiverse where you battle your “Sipher” avatar against other players.

    • A guide to the Somnium Space metaverse

      Somnium Space is one of the fastest growing P2E games in the Solana and Ethereum network – learn how to play it here.

    • Know Your Customer (KYC) Guide

      Find out everything you need to know about Know Your Customer (KYC) processes including what information is required, how to pass, and more in Finder’s KYC guide.

    • How to gift Bitcoin: 5 ways compared

      Buying Bitcoin as a gift for someone has never been easier. Here’s how to do it safely and stress-free.

    • Apps like Possible Finance

      Choose from 5 options to find the best pay advance solution. Top names like Dave and Brigit are joined by 3 other pay advance apps.

    • Apps like MoneyLion

      MoneyLion is a pay advance app stacked with features — and hefty fees to match. We’ve lined up 6 alternatives to help you go easy on your wallet.

    • Apps like Lenme

      If you’re considering using Lenme for a pay advance but its negative reviews are holding you back, we’ve lined up 7 alternatives that could offer more reliability and transparency.

    • 5 apps like Klover

      Get access to the money you’ve already earned with one of these secure options.

    • Rocket Mortgage vs. Bank of America

      Bank of America has more loan options, but Rocket Mortgage has left a better overall impression on customers. We compare the key features between these two established lenders.

    • Otis Wealth review

      An investment platform that lets you buy and sell fractional shares of culturally significant items.

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site