How to get a $300 loan by tomorrow

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

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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

Updated February 21st, 2020
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
Possible Finance Mobile Installment Loans
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
Zaplo Installment Loan
As soon as the next business day
Regular source of income received biweekly or semi-monthly, Missouri or Utah resident, checking account with automatic deposits, not a military service member
Borrow up to $1,200 — but only if you live in Missouri or Utah.
Check Into Cash Payday Loan
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts. Payday Loans
1 to 2 business days
Employed, $1,000+ monthly income after taxes, US citizen or permanent resident, ages 18+
Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.
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.

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. If you want to make it official, you can use a service like LoanWell to draw up a legally binding contract.
  • 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.

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