Get an $800 Loan as Fast as Same Day (2026)

If you need an $800 loan, you can look online for payday and installment loans, check out cash advance apps or try banks and credit unions. Funding is usually fast for loans of this size, and you could get your loan proceeds as soon as the same day you apply. But be sure to compare multiple options to find the best deal.

Compare $800 loans for all credit types

Check out these 11 lenders that offer $800 loans or cash advances. Most don’t have minimum credit score requirements to qualify, but some may conduct a hard inquiry.

Provider	Requirements	Loan type	Finder rating
OppLoans	Valid checking or savings account Have a regular source of income Get paid by direct deposit Be at least 18 Reside in a state it services	Installment loan	★★★★★	Go to site
RISE Credit	Be at least 18 Live in a state where RISE offers loans Regular source of income Active checking account Valid email address	Installment loan	Not yet rated	Go to site
Fast 5K Loans	At least 20 years old Checking or savings account with direct deposit Minimum $1,000 in monthly income No active military	Connection service	★★★★★	Go to site
CashNetUSA	18 or older A verifiable steady source of income Active checking account US citizen or permanent resident	Installment loan or line of credit	★★★★★	Go to site
Integra Credit	At least 18 years old and a US resident Active checking account Valid email address Live in a state where it operates	Installment loan	★★★★★	Go to site
LendYou	18 or older Checking or savings account with direct deposit $1,000 monthly income No military members or dependants of	Connection service	★★★★★	Read Review
PenFed Credit Union	Not stated	Personal loan	★★★★★	Read Review
ACE Cash Express	18 or older Live in a state it services Valid email and phone number Valid SSN or ITIN Proof of income Active checking account No military member or dependants of	Payday or installment loan	★★★★★	Read Review
Branch	Your employer must offer this as an employee benefit You must be verified on your employer’s roster	Cash advance app	Not yet rated	Read Review
Digital Federal Credit Union	You must be a DCU member	Personal loan	★★★★★	Read Review

How much does an $800 loan cost?

How much it costs depends on the lender and the loan type. A cash advance app — or paycheck advance — may be free, or you might have to pay a monthly subscription of up to $10 or fees for instant transfers.

Payday and installment loans often charge rates and fees that equate to 200% to 400% APRs — pretty high when compared to personal loans or cash advance apps.

Credit unions typically have rates capped at 18% but may be harder to qualify for.

How long does it take to get an $800 loan funded?

If you apply for an $800 loan online or in a store, you might be able to get your loan funded as soon as the same day you apply or within one to two business days. If you use a cash advance app, you could receive your funds within minutes for a fee or one to three business days for no extra charge.

How to pay off $800 in debt?

With most payday loans or cash advances, you’ll repay the loan in full on your next payday or deposit date, although some may allow you to pay in two or more installments.

Personal loans or installment loans may require weekly or monthly payments, but you can save money on interest charges by paying more than the minimum or repaying the whole amount early. Be sure to ask if the lender charges prepayment penalties if you plan to pay the loan off before it’s due.

How to qualify for an $800 loan

While the exact requirements to qualify for $800 loans vary by lender and loan type, here are the basic criteria you’ll need to meet.

• Proof of income. You’ll typically need to show some form of income, whether from a job, government benefits, investments or another source.
• Be at least 18. Most loans require you to be at least 18 years old, although you may have to be older in some states.
• Have a bank account. Lenders typically require borrowers to have an active bank account (or debit card) to receive funds or deduct payments.
• Credit check. Payday loans and cash advances typically don’t require a credit check, but personal loans and installment loans may do a hard or soft credit inquiry.
• Direct deposit. Some lenders and cash advance providers may require you to get paid by direct deposit to qualify.

How to increase your chances of approval

Many of the loans on our list don’t require credit checks, but improving your credit score is always a smart move and can help you get better rates going forward. In the meantime, consider these tips to increase your chances of loan approval.

• Maintain a positive bank balance
• Have consistent employment
• Compare multiple lenders
• Check lender requirements to make sure you meet the qualifications

What to watch out for

There are a few key factors to keep in mind when searching for a short-term loan.

• Interest rates. Rates can be high for short-term loans, so look around to find the best deal for your financial situation.
• Fees. Lenders in this space may charge fees on top of interest — such as origination fees — so be sure to ask about any additional fees that add to the loan’s cost.
• Loan terms. You may have to repay short-term loans within weeks or months, so make sure you can repay it by the due date — if not sooner.
• Lender reputation. Research the lender to ensure it’s legit before you apply. You can check out its Better Business Bureau (BBB) and Trustpilot pages to read customer reviews and complaints.
• State you live in. Some lenders don’t operate in all states, and payday loans are illegal in certain states.

It’s also a good idea to be wary of lenders that advertise “guaranteed approval” — that’s a red flag — or those that encourage you to borrow more than you can afford.

Alternatives to short-term loans

Before you take out a high-cost loan like a payday loan, consider the alternatives.

• Payday alternative loan (PAL). Certain federal credit unions offer PALs from $200 to $1,000 with rates capped at 28%, but you usually need to be a member for at least a month to qualify.
• Personal loans. If your credit score is around 670 or better, a personal loan can offer a larger loan amount with more competitive rates and terms.
• Borrow from friends or family. Perhaps you have a friend or family member willing to spot you a small loan. You can make it official by signing an agreement stipulating how you’ll pay it back.

Frequently asked questions

• Can I get an $800 loan with no credit check?

  Yes. Some loans don't require a credit check to qualify, such as payday loans and cash advance apps. Others, such as OppLoans, may only require a soft credit check, which won't affect your credit score.

• What is the easiest loan to get approved for?

  If you have bad credit — or no credit — you may find that a payday loan is the easiest to qualify for — but they are best used as a last resort because of sky high interest rates. If you have good credit, you could potentially qualify for an online personal loan and get funded as soon as the same day.

• How can I borrow a small amount of money instantly?

  Cash advance apps specialize in small loan amounts, and if you're willing to pay a fee for instant transfers, you could receive an advance within minutes.