Get a $800 Loan

Coming up with $800 for an unexpected expense can be tough. But it's not impossible if you seek help from the right place. You've probably heard of direct lenders before who focus on providing loans with no credit check. This means you can still get a loan even if you have bad credit. No matter what situation you find yourself in, just know if you need some extra cash that, you can still get it. All you need to do is apply online, and soon enough, you'll be able to secure an installment $800 loan today. So don't forget that there are lenders out there who won't look at your credit score and are ready to assist.

What is an $800 Payday Loan?

An $800 payday loan is a type of short-term loan where you can borrow money to cover your immediate financial needs. It's designed to be repaid on your next payday, typically within a few weeks. Because of their sky-high fees and interest rates, payday loans are an expensive form of borrowing. But the ease that comes with obtaining them makes up for it. 

$800 Payday Loan

Often, you don't even need a good credit history. They are, however, risky to use and can create a cycle of debt if you can't pay them back on time. Borrowers should always consider other options before taking out an $800 dollar payday loan, such as personal loans or asking friends and family for money.

Reasons You May Request an 800 Dollar Loan

If you thought about getting a loan but can't figure out why, then take a look at these five common reasons. People with bad credit request an $800 loan for the following situations.

  • Emergency expenses. No one plans to have unexpected expenses like medical bills or car repairs. But they do happen, and when they do, an $800 loan is there to help you cover those costs.
  • Utility bills. Sometimes, you may get into a tight spot and struggle to pay your utilities on time. If that happens, the $800 loan can provide temporary relief and ensure that you don't lose out on important services.
  • Rent or mortgage. Things happen from time to time, and if you're in a situation where you're short on rent or mortgage payments. An $800 loan might just help you avoid late fees, eviction, or foreclosure.
  • Car troubles. A car is essential for most people. The day it breaks down is usually the day your luck runs out. With the $800 loan, though, it'll be back up and running in no time if it needs repairs.
  • Debt consolidation. Having multiple debts can be difficult when managing your financials. Many people actually use an $800 loan to combine their smaller ones into one payment, which makes it easier to keep track of things.
  • Improving credit. It's hard to believe, but if paid responsibly and on time. An $800 loan could positively impact your credit score, which in turn helps improve it overall.
  • Short-term financial gaps. You may find yourself temporarily low on cash and have bad credit at the same time. That's where an $800 loan comes into play, bridging the gap from now until your next paycheck.

How Does an $800 Loan with No Credit Check Work?

Looking into a loan without a credit check? You may have seen that it's possible to get a $800 loan for bad credit. Here's a breakdown of how it works.

Finding a Lender

First, you need to find a lender who offers loans for 800$, and specifically, ones that don't require a credit check. You can look for online or in-person lenders that specialize in loans for people with bad credit.

Application Process

The next step is filling out an application. This will ask for your personal information, like your name and address, your current earnings, and the amount you'd like to borrow.


Lenders who don't do credit checks usually look at your income and ability to repay the loan. As long as they see potential in you paying it back, you'll get approved for the $800 loan.

Loan Terms

Review these terms carefully. Make sure you understand all of the details of the interest rate, fees, and when you need to have it paid back. Don't put yourself into something where you can't meet their requirements.


When payback is due varies depending on the lender. It could be as soon as your next payday or longer than that if they offer more time. Plan accordingly so you can ensure the money is there for them.

Consider Alternatives

Before going all in on this plan without a credit check, consider other options, such as asking family or friends to borrow money or checking traditional lenders, which may have better terms for your situation.

Eligibility Criteria for a $800 Installment Loan

If you're interested in applying for an installment loan worth $800, you must first meet the eligibility criteria. Here's a breakdown of what lenders typically require:

  • Age requirement. Borrowers must be at least 18 years old. Proof of your age is often done through a valid government-issued ID.
  • Proof of income. Lenders need to understand that you have a means of repaying the loan. You will need to demonstrate that you have some source of regular income, like a job or government benefits.
  • Identification and contact information. Necessary for the application process is that you'll have to provide personal information such as your full name, contact details, and mailing address.
  • Social Security number. Your SSN will be used to verify who you are and also assess your creditworthiness.
  • Bank account. Most lenders will want proof that you have a bank account. This is where they will deposit the loan amount and withdraw payments when it comes time, but also a way to verify that you're financially stable.
  • Credit check. Some lenders do offer installment loans to people with bad credit, but others might perform one before approving it. Meeting the credit requirements can affect the rate of interest you receive along with approval itself.
  • Employment history. Since this is another way lenders assess your stability, they may request some information about your employment history, including current work and how long it's been since you've been employed there.
  • Legal residency. Lenders typically ask for proof of residency, so make sure that it aligns with their being able to provide you with money. You should be either a legal resident or a citizen of the country where you're applying for the loan in order to qualify for it.
  • Debt-to-income ratio. Affordability is verified before accepting any application since making consistent payments without adding more debt is key here. In order to ensure this, most calculate applicants' debt-to-income ratio.
  • State regulations. Something to also keep in mind is that eligibility criteria vary by state because of different regulations and rules they set. Keep an eye out for this if you're planning on applying.

What Should I Do If I Need 800 Dollars Now?

If you need $800, quick, here are some practical things you can do to get it.

Assess Your Situation

Take a moment to think about why you need this money and if it's necessary. If it is, assess your financial situation first. What options do you have? Can you lower any expenses? Do you know of a side hustle?

Explore Your Savings

This is the easiest way to cover urgent expenses. Just check your savings. You should have some tucked away for situations like this one.

Ask Family or Friends

If you're in a bind and need money fast, consider reaching out to family or friends. They might be willing and able to lend you the $800 with a clear plan of when and how much to pay back.

Side Hustles or Gig Work

There are a ton of opportunities online for quick income. You could take up freelance projects or sell off anything that's just collecting dust around your home.

Borrow from a Bank or Credit Union

If all else fails, reach out to your bank or credit union about getting a personal loan. They tend to offer more favorable terms than lenders elsewhere.

Online Lenders

Online loans tend to have less-than-perfect credit approval requirements. There are also tons of options, so make sure that when you choose one, their interest rates aren't too high.

Loan Apps

You'd be surprised how many apps now offer small-term loans at an affordable price rate. Make sure they're reputable and transparent with fees before committing, though.

Pawn or Sell Assets

If you have assets that are worth something but aren't providing value anymore, it's time to consider selling them off quickly so you can raise the $800.

Government Assistance

Discover government aid programs that could be available to you. The program a person is eligible for depends on their situation.

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