$900 Loans
— Comparison updated Jun 2025
- Compare $900 loans without impacting your credit.
- We list only the best U.S lenders.
- Find and compare bad credit loans online.
All unsecured personal loans through Upstart offer a fixed rate and range between 6.6% - 35.99% APR based on 5-year rates offered in March 2025. The lowest rates are only available to the most qualified applicants. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Are you in a tight spot, needing $900 fast? You're not alone. Life has a way of throwing unexpected expenses our way, whether it's a sudden car repair, an urgent medical bill, or an opportunity you can't pass up.
But before you jump into any loan agreement, let's explore your options and make sure you're making a smart financial move.
Where to Get a $900 Loan?
When you're looking for a $900 loan, it's crucial to understand all your options. Let's break down the most common ways to get that cash in your hands quickly, along with some alternatives you might not have considered.
Consider a Personal Loan
Personal loans can be a solid choice if you have a decent credit score and need more time to repay. Many online lenders offer loans starting at $1,000, which could work if you're open to borrowing slightly more than $900.
Pros
Lower interest rates compared to credit cards or payday loans
Fixed repayment schedule
Can improve your credit score if paid on time
Cons
May require a credit check
Might have to borrow more than you need
Application process can take a few days
Credit Card Cash Advance: The Quick but Costly Option
If you have a credit card with available credit, a cash advance can put $900 in your pocket almost instantly.
Pros
Immediate access to cash
No additional application needed
No fixed repayment schedule
Cons
High interest rates (often 24-27% APR)
Interest starts accruing immediately
Usually comes with a 3-5% fee
Payday Loans: The Last Resort
Payday loans can provide quick cash, but they come with significant risks and extremely high costs.
Pros
Very quick approval and funding
No credit check required
Available to those with poor credit
Cons
Extremely high interest rates (often 300-400% APR)
Short repayment terms (usually your next payday)
Can lead to a cycle of debt
Peer-to-Peer (P2P) Lending: The Community Approach
Platforms like Prosper or Lendme connect borrowers with individual lenders, often offering competitive rates for a $900 loan.
Pros
Potentially lower interest rates than traditional loans
More flexible terms and criteria
Can be funded within a few days
Cons
Requires a credit check
May have origination fees (1-5% of the loan amount)
Not as fast as some other options
The Often Overlooked Options
Before jumping into a loan, consider these alternatives that might save you money and stress:
Alternatives to a $900 Loan
Negotiate with creditors: If you need $900 for a bill, try talking to the company. Many are willing to set up payment plans or even reduce the amount owed.
Sell unused items: Take a look around your home. That old smartphone, gaming console, or designer bag could be your ticket to $900.
Pick up a side gig: In today's gig economy, you could earn $900 through ride-sharing, food delivery, or online freelancing faster than you might think.
Borrow from your future self: If you have a 401(k), you might be able to take a loan from it. Just be cautious, as this can impact your retirement savings.
Tap into your network: Consider asking family or friends for a short-term loan. If you go this route, treat it like a formal loan with clear terms to protect your relationships.
Remember, the smartest financial move isn't always a loan. Sometimes, getting creative with your resources or temporarily adjusting your lifestyle can be the key to solving your cash crunch without taking on debt.
What are the Costs for a $900 Loan?
When you're in a pinch, it's easy to focus on getting cash quickly without considering the long-term costs. Let's break down what a $900 loan might actually cost you with different options:
Cost Comparison for a $900 Loan (30-day term):
Loan Type | APR | Fees | Total Repayment | Cost of Borrowing |
---|---|---|---|---|
Personal Loan | 15% | $0 | $911.25 | $11.25 |
Payday Loan | 400% | $135 | $1,035 | $135 |
Credit Card Cash Advance | 25% | $45 | $963.75 | $63.75 |
P2P Loan | 18% | $45 (5%) | $955.50 | $55.50 |
As you can see, the differences in cost can be substantial. A payday loan might seem convenient, but it could cost you 12 times more than a personal loan in this scenario.
Remember, the cheapest loan isn't always the best option if it doesn't fit your repayment capabilities. Always choose a loan that you can comfortably repay on time.
What You'll Need to Get a $900 Loan
Being prepared can speed up the loan process and increase your chances of approval. Here's what you'll typically need:
Additional Requirements by Loan Type:
Personal Loans:
Credit score (usually 600+)
Debt-to-income ratio information
Employment details
Payday Loans:
Post-dated check or authorization for automatic withdrawal
Might not require a credit check
Credit Card Cash Advance:
No additional requirements if using your existing card
PIN for cash withdrawals at ATMs
P2P Loans:
Credit score (requirements vary by platform)
Reason for the loan
Sometimes, a short video or written pitch to potential lenders
How a $900 Loan Affects Your Credit
Understanding the credit implications of a $900 loan can help you make a decision that benefits your long-term financial health.
Credit Impact by Loan Type:
Personal Loans and P2P Loans:
Usually report to credit bureaus
On-time payments can improve your credit score
Missed payments can significantly harm your credit
Payday Loans:
Typically don't report to credit bureaus
Won't help build credit
Can harm credit if you default and the debt goes to collections
Credit Card Cash Advances:
Don't directly impact credit score
Can indirectly affect score by increasing credit utilization ratio
Building Credit with a $900 Loan:
If building credit is a priority, consider these strategies:
Strategies for Building Credit:
Choose a loan that reports to credit bureaus: Personal loans and some P2P loans are good options.
Set up automatic payments: This ensures you never miss a due date.
Pay more than the minimum: If possible, pay off the loan early to save on interest and demonstrate responsible borrowing.
Smart Alternatives to a $900 Loan
Before you commit to borrowing, let's explore some creative alternatives that might solve your cash crunch without taking on debt:
Negotiate a Payment Plan: Many service providers, medical offices, and even landlords may be willing to work out a payment plan for $900 over time.
Sell Items You Don't Need: Platforms like eBay, Facebook Marketplace, or Craigslist can help you turn unused items into cash quickly.
Pick Up Temporary Work: Gig economy apps like Uber, DoorDash, or TaskRabbit can help you earn extra cash on your own schedule.
Offer a Skill or Service: Use platforms like Fiverr or Upwork to offer freelance services based on your skills, from writing to graphic design.
Rent Out a Room or Parking Space: If you have extra space, consider short-term rentals through platforms like Airbnb or JustPark.
Ask for a Payroll Advance: Some employers are willing to provide a paycheck advance, especially for loyal employees.
Crowdfund Your Need: For certain expenses, platforms like GoFundMe can help you reach out to your network for support.
Your Action Plan
Now that you're armed with information, here's your action plan for handling your $900 need:
Assess the Urgency: Is this a true emergency, or can it wait while you explore alternatives?
Explore All Options: Go through the alternatives we've discussed. Could any of them work for your situation?
Compare Loan Costs: If a loan is necessary, use the comparison table we provided to understand the true cost of each option.
Check Your Credit: Your credit score will determine which loans are available to you. Check it for free through services like Credit Karma.
Gather Your Documents: Having everything ready will speed up the application process.
Read the Fine Print: Before signing any loan agreement, understand all terms, including fees and repayment schedules.
Plan for Repayment: Set a budget that prioritizes repaying this loan to avoid additional fees or credit damage.
Remember, the goal isn't just to get $900 quickly—it's to solve your immediate need while setting yourself up for future financial success.
By considering all your options and understanding the implications of each, you're taking a crucial step towards smarter financial management.
Frequently Asked Questions
Can you get a $900 loan with same-day approval?
Yes. It's possible to apply for a $900 personal loan or payday loan and get approved the same day. Depending on the time you apply for your loan, the money can be deposited the same day (alternatively the next day), making this funding option ideal for emergencies.
What can I use a $900 loan for?
A 900 dollar loan can be used for anything, providing that you can comfortably afford the repayments. You can use your personal loan for a medical expense, settle student debt, or pay off a high-interest credit card.
Where can I get a personal loan fast?
The fastest way of getting a $900 loan is to apply online. Pre-qualification will typically not hurt your credit score and the application process is fast and easy. Financer allows you to compare multiple lenders online and choose the best loan offer for your needs.
What credit score is required for a $900 loan?
If you have a credit score of 590 or higher you have a good chance of getting approved for a $900 loan. However, you can still get a loan if you have bad credit, as there are many lenders that offer a $900 loan for bad credit. Borrowers with good credit will typically get better rates.
What does it cost to compare loans with Financer?
You can compare loans with Financer free of charge. Our service is free and we only work with lenders that are established and have a long history of providing loans to customers in the U.S.
How much will a loan for $900 cost?
This will depend on the lender, as APR rates and loan fees can vary. As an example, a $900 loan with an APR of 8% over six months will result in 6 monthly payments of around $153, with a total repayment amount of $921.12. Or use our online loan calculator.
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