Lending For Bad Credit is not a lender, makes no credit decisions, charges no fee, and cannot guarantee a connection with a lender, a loan, or the loan amount. Not available in all states, including Connecticut, New Hampshire, Vermont, and Washington; a lender may run a credit check or verify your details. Short-term loans are not a long-term financial solution, and amounts and terms vary by state and lender. The lender sets the APR, fees, and terms. Lending For Bad Credit's 35.99% APR cap covers only visitors from its Google or Bing ads; other visitors, including those from Financer, may receive higher rates (per the brand, October 2026).
We can't guarantee the data is fully accurate every day.
Filters
Loan amount
Loan purpose
Product Statistics
A complete breakdown of all data points across the products in this comparison to help you make the right decision.
Payday loan
3 (8.1%)
Personal loan
11 (29.7%)
Debt consolidation
4 (10.8%)
Car loan
2 (5.4%)
Tribal loan
4 (10.8%)
Loan amount
$0 - $100,000 ($8,678.66)
Loan term
1 week - 180 months (26 months)
Annual interest rate
0% - 1,564% (159.71%)
Minimum age
18 - 18 (18)
Minimum income
$0 - $2,000 ($345.95)
Domestic bank account
31 (83.8%)
National phone number
31 (83.8%)
Citizenship
23 (62.2%)
Electronic identification
29 (78.4%)
Accepts Bad Credit History
36 (97.3%)
Payout within 24 hours
31 (83.8%)
Weekend Payout
5 (13.5%)
Loan extensions
20 (54.1%)
Early repayment
31 (83.8%)
Loan broker
17 (45.9%)
Interest-free first loan
0 (0%)
Cosigner possible
2 (5.4%)
Approval rate
80% - 90% (83.75%)
Right to cancel
16 (43.2%)
High approval rate
1 (2.7%)
Statistics based on 37 Loans products in our database.
CompanyLowestHighest
Lending For Bad Credit5.99%35.99%
PersonalLoans.com5.99%35.99%
Fast5KLoans5.99%35.99%
Your Premier Lending5.99%35.99%
Low Credit Finance5.99%35.99%
ACE Cash Express91.52%630.13%
Consumers Credit Union4.99%20.49%
BadCreditLoans.com5.99%35.99%
Honest Loans5.99%35.99%
GetCash.com5.99%35.99%
MoneyKey249%295%
Jora Credit75%349%
5KFunds5.99%35.99%
Credit Clock5.99%35.99%
Explore Credit5.99%35.99%
Self Lender15.69%15.92%
CashNetUSA229%579%
Cash Store390%780%
Advance America143.29%688.28%
Cash Advance15%1,564%
CreditFresh143%600%
MoneyLion5.99%29.99%
Viva Payday Loans5.99%35.99%
MaxLend471.78%841.45%
LoansUnder365.99%35.99%
SecureSpeedyLoans5.99%35.99%
CashUSA5.99%35.99%
Loan in Personal5.99%35.99%
Wizzay.com5.9%35.99%
Speedy Cash199.99%729%
Fast Loan Advance5.99%35.99%
Plain Green Loans210%438%
OppLoans99%195%
Spotloan99%490%
BMG Money19.99%35.99%
EarnIn0%0%
Interest Rates
See how rates compare across all providers. The bars show the range between lowest and highest rates offered by each company.
Historical 800 dollar loan Interest Rates
Average rates tracked monthly across 45 providers
Average rates tracked monthly across 45 providers
Average
Lowest
Highest
Aug 2025
152.51%
1.26%
1,646.58%
Sep 2025
154.93%
1.33%
1,667.75%
Oct 2025
156.62%
1.38%
1,682.54%
Nov 2025
157.02%
1.39%
1,685.99%
Dec 2025
155.84%
1.36%
1,675.65%
Jan 2026
153.15%
1.28%
1,652.17%
Feb 2026
149.37%
1.18%
1,619.09%
Mar 2026
145.14%
1.06%
1,582.11%
Apr 2026
141.21%
0.95%
1,547.77%
May 2026
138.27%
0.87%
1,522.06%
Jun 2026
136.78%
0.82%
1,509.02%
Jul 2026
136.88%
0.83%
1,509.89%
Aug 2026
143.07%
1%
1,564%
Oct 2026
131.57%
1%
1,564%
Nov 2026
131.57%
1%
1,564%
Current Average131.57%→ 0pp
Lowest Available1%
Highest Available1,564%
Providers Tracked45
Financer's Choice
Top Rated
Lending For Bad Credit
Free to submit a loan request. The lender sets the APR and fees; the brand's 35.99% cap covers only its Google or Bing ad visitors, so rates reached from Financer may be higher (per Lending For Bad Credit, October 2026).
Phone (833) 321-7764, a contact form, and a mailing address in Overland Park, Kansas. Once you are connected, the lender handles your loan.
Requests of $100 - $40,000, all credit considered, four states excluded. Historically, most people offered a loan only saw short-term options of $100 - $2,500.
The form takes two minutes or less, per the brand. Trustpilot: TrustScore 2.5 out of 5 from 4 reviews (October 16, 2026), reporting calls and emails after submitting.
Get exclusive terms from the best financial companies
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:
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
Best for: Borrowers with fair to good credit who want a safe, predictable way to borrow $800.
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.
Peer-to-Peer Lending
Peer-to-peer lending platforms like Lenme connect 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.
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.
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.
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.
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 around $808 to $872. On the flip side, a payday loan with sky-high interest might end up costing you $120 to $160 in fees alone.
To help you make the smartest choice, here's a breakdown of the estimated costs across different loan types for a 30-day term:
Cost Comparison for an $800 Loan (30-day term)
Loan Type
Typical APR
Estimated Fees
Total Repayment
Cost of Borrowing
Personal Loan
12%
$0-$64 (origination)
$808-$872
$8-$72
Payday Loan
391%+
$120-$160 (finance charge)
$920-$960
$120-$160
Credit Card Cash Advance
24.5%
$32-$40 (3-5% fee)
$848-$856
$48-$56
Pawn Shop Loan
200%+
$0
$933+
$133+
P2P Loan
15%
$8-$40 (1-5% origination)
$818-$850
$18-$50
The APR doesn't tell the whole story for short-term loans. A payday loan with a 391% APR for two weeks costs about $120 in fees, while a personal loan at 12% APR over a year totals just $8 in monthly interest. Always calculate the total cost of borrowing before signing anything.
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
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
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.
