Get the Right $800 Loans, Perfectly Adapted to Your Needs
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Edited by Ricardo Laizo- Find the best $800 loans from top U.S. lenders
- Compare to find the lowest loan rates
- Pre-qualify without hurting your credit
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Need $800 Fast? Let Us Help You Find the Best Loan - Right Now
Life happens. Whether it’s a surprise car repair, a medical bill, or an emergency expense you didn’t see coming, getting your hands on $800 quickly can make all the difference. But not all loans are created equal, and choosing the wrong one could cost you hundreds in interest and fees.
That’s where Financer comes in. We’ve reviewed dozens of lenders and built a powerful comparison tool that instantly shows you the best $800 loan options based on your location, credit profile, and financial needs.
Skip the stress. Skip the guesswork. Use our tool to pre-qualify with top-rated lenders without impacting your credit score and find out in minutes which $800 loan is right for you:
Fast funding
Low APRs
All credit types accepted
Let’s get you the money you need - smart, fast, and without the debt trap.
Where to Get an $800 Loan
When you need $800 fast, it’s not just about getting approved - it’s about getting the best deal possible.
Interest rates, fees, funding speed, and eligibility requirements can vary drastically between lenders, so knowing your options matters more than ever.
Here are the most common (and effective) ways to get an $800 loan today:
Financer Helps You Find the Best $800 Loan Option
The fastest and smartest way to get an $800 loan is through a trusted loan comparison tool like Financer's LoanFinder.
Why? Because:
It filters only the lenders available in your state
You can pre-qualify without hurting your credit
You instantly compare rates, terms, and requirements
It saves you time, money, and guesswork
Instead of applying blindly to random lenders, you get personalized offers from verified providers - all in one place.
Personal Loans
If you’re looking for a predictable, affordable way to borrow $800, a personal loan is one of your best options.
Personal loans typically come with fixed interest rates, clear repayment terms, and flexible loan durations. Most are unsecured, meaning you won’t need to offer collateral, and if you have fair to good credit, you could qualify within minutes.
Depending on your lender and credit profile, funding can happen in as little as 24 hours. It’s the ideal choice if you want a straightforward loan with low stress and transparent terms.
Why choose a personal loan?
Fixed monthly payments you can plan around
Potentially lower APR than payday loans or cash advances
Longer repayment periods, up to several years
Available online with fast approvals - even with fair credit
Things to Consider
May require a credit check and income proof
Not the best option if your credit score is very low
May charge origination fees (usually 1–8%)
Best for: Borrowers with fair to good credit who want a safe, predictable way to borrow $800.
Low Credit Finance - Financer’s Top Choice for a $800 Personal Loan
If you’re considering a personal loan, Low Credit Finance is one of the best lenders to start with - especially if your credit score isn’t perfect.
They work with a broad network of loan providers and specialize in helping borrowers with fair or poor credit access funding quickly and securely.
With a simple online application, flexible repayment terms, and high approval rates, Low Credit Finance makes it incredibly easy to get an $800 loan.
Plus, you can pre-qualify without impacting your credit score, so you can explore your options risk-free.
Payday Loans
Need $800 fast and have limited credit options? A payday loan can give you cash in mere hours. But it comes at a steep cost.
Payday loans are designed for short-term emergencies. They’re often easy to get (even with bad credit), and some lenders, like Advance America, offer same-day cash pickup. You’ll typically need to repay the full amount, plus fees and interest, by your next paycheck.
While convenient, payday loans can trap borrowers in a cycle of debt if not repaid quickly, so tread carefully if you choose this route.
Why Choose a Payday Loan?
Instant funding - sometimes within hours
Available to borrowers with poor or no credit
No collateral required
Physical locations for in-person cash pickup
Things to Consider
APRs can reach 400% or more
Very short repayment terms (7–30 days)
High fees and risk of rollover debt
Many lenders don’t report on-time payments to credit bureaus
Best for: Borrowers who need immediate cash and are confident they can repay the full amount within a few weeks.
Advance America - Financer's Top Choice for a $800 Payday Loan
If speed and convenience are your top priorities, Advance America is a standout choice for payday loans.
With thousands of physical locations nationwide and a seamless online process, they can get you the cash you need as soon as the same day.
Whether you prefer picking up funds in person or having them deposited directly into your account, Advance America offers the flexibility you need during an emergency.
Plus, they’re a trusted lender with decades of experience, so you can borrow with confidence, even if your credit history isn’t perfect.
Peer-to-Peer Lending
Peer-to-peer lending platforms likeLenmeconnect you directly with real people willing to lend you money, with terms often more flexible than banks.
These platforms evaluate more than just your credit score, making them a great option if you’re building credit or have a thin credit file. After approval, you can receive your funds in 1-5 business days.
While P2P loans often come with competitive rates, many platforms charge origination fees (typically 1%–5%).
Why Choose P2P Lending?
Competitive interest rates
Often available to borrowers with fair credit
Funding within a few business days
Flexible loan terms and amounts
Things to Consider
Origination fees may apply
Requires a credit check
Some lenders may take longer to fund loans
Less regulation than traditional banks
Best for: Borrowers who prefer online lending, want more flexibility, and don’t mind waiting a few days for funding.
Lenme - Financer's Top Choice for a $800 P2P Loan
If you're looking for a more flexible and personalized borrowing experience, Lenme is one of the best peer-to-peer lending platforms on the market.
Unlike traditional lenders, Lenme connects you directly with individual investors who compete to fund your loan, often resulting in better terms and faster approval.
You can apply in minutes through their user-friendly app, get multiple offers, and choose the one that best fits your financial goals.
It’s an ideal option if you want more control over your loan and prefer an alternative to high-interest payday lenders.
Credit Cards
If you already have a credit card with available balance, using it to cover an $800 emergency can be one of the simplest and most cost-effective options, especially if your card offers a 0% APR introductory period on purchases.
Unlike a payday loan or a short-term installment loan, using a credit card doesn’t require a new application, credit check, or waiting for approval. You can simply use your card to pay for your expenses or make an online purchase right away.
Why choose a credit card to cover $800?
Instant access to funds
Potential 0% interest for a fixed interval (if applicable)
Flexible repayment (minimum payments allowed)
Great for building or improving your credit when used responsibly
Things to Consider
If you don’t pay off the full balance quickly, interest rates can be high (often 20%+)
Carrying a high balance may hurt your credit utilization ratio
Risk of long-term debt if you only make minimum payments
Best for: People who already have a credit card, especially one with promotional 0% APR, and want instant access to funds with no added application process.
Don’t Have a Credit Card Yet? Go For Chase Sapphire Reserve
One of the best credit cards on the market for flexibility, rewards, and premium benefits is the Chase Sapphire Reserve®.
It’s ideal for borrowers with strong credit who want more than just emergency cash.
You'll enjoy perks like travel rewards, purchase protection, and access to high credit limits - making it a smart backup when surprise expenses hit.
Pawn Shop Loans
Have something of value to use as collateral? A pawn shop loan can offer immediate cash without a credit check.
With pawn loans, you exchange an item of value (like jewelry, electronics, or instruments) for a loan. The loan is based on a percentage of the item’s resale value. If you repay the loan, you get your item back - if not, the shop keeps it.
These loans are fast and easy but can be expensive, with high interest rates and short terms.
Why choose a pawn shop loan?
No credit check or income proof required
Instant cash - often within minutes
No impact on your credit score
You keep your loan off the books
Things to Consider
You risk losing your valuable item
Interest rates can exceed 200% APR
Small loan amounts based on item value
Short repayment periods (usually 30–90 days)
Best for: People with poor credit and valuable items who need fast cash and want to avoid traditional loans.
Credit Card Cash Advance
If you already have a credit card, a cash advance can give you instant access to up to several hundred dollars.
There’s no approval process - just withdraw funds from an ATM or request the money online. However, cash advances often come with steep fees and no grace period, meaning interest begins accruing immediately.
Still, for short-term needs, it may be cheaper than payday loans if paid back quickly.
Why choose a credit card cash advance?
Instant access to funds
No application or approval needed
Useful in emergencies or off-hours
No credit inquiry
Things to Consider
Interest starts accruing immediately (often 24%–30% APR)
Cash advance fees (usually 3–5% of the amount)
No grace period like regular purchases
Impacts your credit utilization ratio
Best for: Those who already have a credit card and can repay the amount within days or weeks.
Family or Friends:
Borrowing from family or friends can be a quick and potentially cost-effective way to get $800. This option often comes with more flexible terms and lower (or no) interest rates compared to formal lending institutions.
However, mixing money with personal relationships can be tricky. It's crucial to treat this as a formal loan to avoid misunderstandings and potential damage to your relationships. Consider using a written agreement to clarify terms.
Consider this route if:
You have a trusted relationship with someone who can afford to lend
You're willing to formalize the agreement to protect your relationship
You can commit to a repayment plan and stick to it
How Much Does an $800 Loan Cost?
The total cost of borrowing $800 depends heavily on the type of loan you choose and the lender behind it. Factors like APR, fees, and how long you take to repay can make the difference between paying a few extra dollars - or a few hundred.
A personal loan from a trusted lender with fair terms could keep your total repayment under $810. On the flip side, a payday loan with sky-high interest might end up costing you nearly $120.
To help you make the smartest choice, we’ve broken down the estimated costs across different loan types below:
Cost Comparison for an $800 Loan (30-day term)
| Loan Type | APR | Fees | Total Repayment | Cost of Borrowing |
|---|---|---|---|---|
| Personal Loan | 10% | $0 | $806.67 | $6.67 |
| Payday Loan | 400% | $120 | $920 | $120 |
| Credit Card Cash Advance | 25% | $40 | $856.67 | $56.67 |
| Pawn Shop Loan | 240% | $0 | $960 | $160 |
| P2P Loan | 15% | $40 (5% origination) | $848 | $48 |
The APR doesn't tell the whole story for short-term loans. Always calculate the total cost of borrowing to make an informed decision.
What Do I Need to Qualify?
Getting approved for an $800 loan depends on the lender and the type of loan you apply for, but most share a few basic requirements.
Before we break down what each loan type specifically asks for, here’s a quick look at the documents you’ll almost always need to have ready, no matter where you apply:
Contact information
Employment details
Monthly income and expenses
Loan Options & Their Requirements
Now, let's explore the specific requirements for different types of $800 loans:
Personal Loan
Requirements: ✔️ Credit history, ✔️ Proof of income, ✔️ Bank account, ✔️ ID, ❌ Collateral
Pros: Lower interest rates, longer repayment terms
Cons: May be hard to qualify with poor credit
Payday Loan
Requirements: ❌ Credit history, ✔️ Proof of income, ✔️ Bank account, ✔️ ID, ❌ Collateral
Pros: Easy to qualify, very fast funding
Cons: High interest rates, very short repayment terms
Credit Card Cash Advance
Requirements: ✔️ Credit history, ❌ Proof of income, ❌ Bank account, ✔️ ID, ❌ Collateral
Pros: Instant cash access, no extra application needed
Cons: High interest, interest starts accruing immediately
Peer-to-Peer (P2P) Loan
Requirements: ✔️ Credit history, ✔️ Proof of income, ✔️ Bank account, ✔️ ID, ❌ Collateral
Pros: Competitive rates, flexible terms
Cons: Slower approval, may need stronger credit profile
Pawn Shop Loan
Requirements: ❌ Credit history, ❌ Proof of income, ❌ Bank account, ✔️ ID, ✔️ Collateral
Pros: No credit check, instant cash
Cons: Risk of losing your item, high fees
Friends or Family
Requirements: ❌ Credit history, ❌ Proof of income, ❌ Bank account, ❌ ID, ❌ Collateral
Pros: Low or no interest, flexible repayment
Cons: Can strain personal relationships
Remember
While some loan options may have more relaxed requirements, they often come with higher costs or risks. Always carefully consider your financial situation and the terms of any loan before borrowing.
How an $800 Loan Affects Your Credit
The impact of an $800 loan on your credit score depends on the type of loan and how you manage it:
Personal Loans and P2P Loans: Can positively impact your credit if payments are made on time. They add to your credit mix and payment history.
Payday Loans: Typically don't affect your credit score unless you default. However, some lenders may report to alternative credit bureaus.
Credit Card Cash Advances: Can negatively impact your credit utilization ratio, potentially lowering your score. However, making timely payments can mitigate this effect.
Pawn Shop Loans: Generally don't affect your credit score, as they usually don't report to credit bureaus.
Borrowing from Family or Friends: Typically doesn't impact your credit score unless you use a formal lending service that reports to credit bureaus.
Frequently Asked Questions About $800 Loans
Can I get an $800 loan with bad credit?
Yes, it's possible to get an $800 loan with bad credit, but your options may be limited and interest rates higher. Consider using our loan comparison tool to find lenders who work with lower credit scores. Alternatively, secured loans or pawn shop loans might be options to explore.
How quickly can I get an $800 loan?
The speed of obtaining an $800 loan varies depending on the lender and loan type. Some options like payday loans or pawn shop loans can provide funds within hours. Personal loans might take 1-3 business days, while peer-to-peer lending could take up to a week.
What's the typical interest rate for an $800 loan?
Interest rates can vary widely based on the loan type, your credit score, and the lender. Payday loans can have APRs over 400%, while personal loans might range from 6% to 36% APR. Always compare options using our loan finder tool to get the best rates available to you.
Do I need collateral for an $800 loan?
Not necessarily. Many $800 loans are unsecured, meaning they don't require collateral. However, secured loans (like pawn shop loans) might offer better rates if you're willing to put up an item of value as collateral.
How long do I have to repay an $800 loan?
Repayment terms vary by loan type. Payday loans typically require repayment by your next paycheck (2-4 weeks). Personal loans might offer terms from a few months to a couple of years. Always check the repayment terms before agreeing to any loan.
Will taking out an $800 loan affect my credit score?
It depends on the type of loan and whether the lender reports to credit bureaus. Some small, short-term loans might not be reported. However, any loan that is reported can affect your score, positively if you make payments on time, negatively if you miss payments.
Are there alternatives to getting an $800 loan?
Yes! Consider negotiating with creditors, selling unused items, picking up extra work hours, or seeking assistance from local charities or community organizations. Check our alternatives section for more ideas.
How can I ensure I'm getting the best deal on an $800 loan?
Use our loan comparison tool to compare rates and terms from multiple lenders. Read all terms carefully, paying attention to interest rates, fees, and repayment terms. Don't be afraid to ask lenders questions if anything is unclear.