Compare your options for a $4,000 cash loan

Information verified correct on April 24th, 2017

Need $4,000 cash right away? We show you how you could be approved.

Sometimes, you need a slightly larger short term loan. Lenders have been increasing their maximum loan amounts. If you need a loan up to $4,000, you have a few options available. You can also borrow $4,000 from a bank or credit union if you’re eligible. Find out about all your options below.

Cash Central Payday Loan

Cash Central Payday Loan

Cash Central allows you to directly apply for an installment loan, line of credit or auto title loan and have your cash when you need it the most.

  • Min. Loan Amount: $100
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Depends on your credit history and the state you live in.
  • Must be 18+
  • Bad credit borrowers OK
  • Confidential and secure

    What loan types are available?

    • Short term loans
      While these are typically associated with smaller loan amounts, many lenders offer loans up to $10,000. Loan terms vary and can be up to one year.
    • Unsecured personal loans
      You’ll be able to take advantage of longer loan terms with an unsecured personal loan from a bank or similar lender. Most unsecured personal loans have terms that last several years.
    • Secured personal loans
      If you choose a secured personal loan, you’ll be able to take advantage of lower rates. Terms and fees are normally the same as unsecured personal loans.
    • Overdraft or line of credit
      These types of loans let you withdraw up to and including a limit, with the overdraft being attached to your transaction account while the line of credit comes as a separate account. For both, you only repay what you borrow. As long as you meet the minimum repayments, the account remains in good standing. Overdraft funds can only be accessed when your transaction account goes into the negative, but a line of credit can be accessed whenever you need it.

    Lenders offering $4,000 loans

    Rates last updated April 24th, 2017
    Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
    Min Loan Amount Maximum Loan Amount Turnaround Time
    Bad Credit Loans Personal Loans
    Fast and easy approval for people with bad credit. Qualifications are straightforward and simple.
    $500 $5,000 Varies based on lender Same rates
    Go to site More
    OppLoans Installment Loans
    Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
    $1,000 $5,000 1 business day Same rates
    Go to site More
    NetCredit Personal Loan
    You could borrow up to $10,000 and get an interest rate personalized to your credit score
    $1,000 $10,000 1 business day Same rates
    Go to site More
    Trusted Loans - Personal Loan
    Borrow up to $10,000 with personalized interest rates based on your credit score.
    $500 $10,000 Next Business Day Same rates
    Go to site More

    Have we missed anything in the comparison table? Tell us

    • If the provider quotes a different rate to the one above please let us know

    What to consider when comparing $4,000 loans

    Once you’ve decided on the best type of loan for you, the next step is to compare your loan options from different lenders. Here are some things to keep in mind when comparing:

    • What is your interest rate going to be?
      Interest rates can vary considerably even with the same kind of loans. This is especially true for bad credit loans. The interest rate can be a good indication of how competitive a loan is.
    • What are the fees?
      When you take a $4,000 loan, you’ll always end up paying back more than you borrowed. This is because of the fees and charges you have to repay through the course of the loan. These can include application fees, establishment fees, monthly service fees and settlement fees. If you miss any of your repayments, you can also expect to pay late payment penalties.
    • What kind of repayment options available?
      Many lenders allow you to choose between making weekly, biweekly or monthly repayments. This way, you can schedule your repayments according to when you get paid. Some lenders will let you make extra repayments without charging any penalties, and some will even allow you to pay the entire balance ahead of time without penalizing you in any form. On the other hand, some lenders might charge you a fee for paying the balance off early.
    • Can you redraw funds?
      If a lender allows you to make extra repayments on your loan, find out if you can access these funds through a redraw facility. This facility may come with a fee and withdrawal limits.

    How you can increase your chances of being approved

    While there is no telling for certain if a lender will approve your application or not, a little caution on your part can definitely increase the possibility of a successful application. Read through the following before you apply:

    • Check the eligibility criteria
      You can check the minimum eligibility criteria for any loan by looking at the review page on finder. You will usually need to be over the age of 18 and receiving an income. Certain lenders may require you to have good credit or be employed.
    • Check your credit report
      Did you know that errors can creep into your credit report, and these can reflect poorly on your creditworthiness? It can help to go through your credit report before applying for any type of credit by ordering a free copy online. If you find negative listings, take these into account before applying for a loan.
    • Limit your applications
      Your credit report will show just how often you apply for credit. When you apply for credit often, prospective lenders may view this in a negative light. Compare your options well before you apply and keep the applications to a minimum.

    Is there anything else to consider?

    It’s important to consider if you can afford the repayments before applying for a $4,000 loan. When you don’t make timely repayments, your credit score can be negatively affected. You’ll also have to deal with late payment charges. Besides, the longer you take to repay the loan, the more you might have to pay in interest.

    A simple way of establishing what your repayments will look like is to use a loan repayment calculator. Start by identifying if you wish to make weekly, biweekly or monthly repayments, and then enter details such as the loan amount, loan term, and interest rate.

    When applying for a $4,000 loan:

    Know what helps

    • They offer varied loan terms.
      With loan terms being as long as several years, you can choose one that best fits your financial needs and situation.
    • Apply online with ease.
      The online presence of most lenders helps simplify the entire process. You can start by applying online, and then you can keep track of the loan online as well.
    • Some loans have no credit checks.
      People who can’t get conventional loans because of poor credit can find lenders that don’t require credit checks. There are also lenders who offer bad credit loans.
    Know what doesn’t help

    • Steep costs.
      Certain loan types, like bad credit loans, tend to come with higher interest rates. Unsecured loans traditionally charge higher interest rates as well when compared to their secured counterparts.
    • Higher repayments.
      When you combine higher interest rates with shorter loan terms, the result is increased repayment amounts. Consider if you can afford the repayments before applying for the loan.
    • Dubious lending.
      The lending industry isn’t without its share of disreputable companies. Certain lenders may exploit people with poor credit through extremely high fees and rates. So make sure the lender is reputable before you apply.

    What to avoid with $4,000 loans

    Taking any kind of a loan can come with its share of pitfalls, so it’s best to avoid the following:

    • Make sure you have a plan in place when it comes to making repayments so you don’t end up defaulting.
    • Avoid taking out a bad credit loan if you have access to other loan options. High fees and inflexibility are two reasons why a bad credit loan may not be your first choice.
    • Avoid taking the first loan that comes your way. Remember to compare your options to make sure you’re getting the most competitive loan that suits your needs.

    What type of loan are you looking for?

    Fixed Term

    Fixed Amount

    7 days
    30 days
    2 months
    3 months
    6 months
    9 months
    12 months
    24 months

    Frequently asked questions $4,000 loans

    How do I go about applying for a $4,000 loan?

    Start by comparing your options on this page. Once you find a loan you want to apply for, click the ‘Go to Site’ button to find out more about applying.

    What options do I have when it comes to repayment methods?

    In some instances, you will have to set up direct debits through your salary or a bank account. Other repayment methods some lenders offer include online transfers and personal checks.

    Do personal loans offer loan protection insurance?

    Certain personal loans give you the choice of getting loan protection insurance at an additional cost. Check the lender’s website for exact details.

    Can unemployed people get $4,000 loans?

    Lenders look for some form of guarantee that you’ll be able to repay the loan. Some lenders will consider your application if you receive an alternative form of income such as welfare or unemployment benefits..

    Other loan amounts

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    Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
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