{"id":496,"date":"2017-05-14T15:44:04","date_gmt":"2017-05-14T22:44:04","guid":{"rendered":"https:\/\/financer.com\/?page_id=496"},"modified":"2024-08-20T11:24:12","modified_gmt":"2024-08-20T18:24:12","slug":"800-loans","status":"publish","type":"page","link":"https:\/\/financer.com\/loans\/800-loans\/","title":{"rendered":"$800 Loans"},"content":{"rendered":"\n<p>Facing an unexpected $800 expense? You&#8217;re not alone. Whether it&#8217;s a car repair, medical bill, or home emergency, these situations can leave us scrambling for quick cash.<\/p>\n\n\n\n<p>But before we explore $800 loan options, a word of caution: <strong>Small loans often come with high interest rates, short repayment periods, and substantial fees.<\/strong><\/p>\n\n\n\n<p>While we understand your urgency, it&#8217;s crucial to consider all options. There might be alternatives to help you avoid debt. Let&#8217;s assess your situation to find the best solution for you.<\/p>\n\n\n\n<div id=\"loan-assessment\" style=\"font-family: Arial, sans-serif; max-width: 800px; margin: 0 auto; background-color: #f5f5f5; border-radius: 8px; overflow: hidden; box-shadow: 0 2px 4px rgba(0,0,0,0.1);\">\n  <div style=\"background-color: #2687C7; color: white; padding: 20px;\">\n    <h2 style=\"font-size: 24px; font-weight: bold; margin: 0;\" id=\"i800_Loan_Option_Assessment\">$800 Loan Option Assessment<\/h2>\n  <\/div>\n  <div style=\"padding: 20px;\">\n    <div id=\"question-container\">\n      <p id=\"question-number\" style=\"margin-bottom: 16px; font-size: 16px; color: #333;\"><\/p>\n      <h3 id=\"question-text\" style=\"font-size: 20px; font-weight: 600; margin-bottom: 16px; color: #2687C7;\"><\/h3>\n      <div id=\"options-container\" style=\"display: flex; flex-direction: column;\"><\/div>\n    <\/div>\n    <div id=\"results-container\" style=\"display: none;\">\n      <h3 style=\"font-size: 22px; font-weight: bold; margin-bottom: 16px; color: #2687C7;\">Your Loan Options<\/h3>\n      <div id=\"recommendations\"><\/div>\n      <div style=\"display: flex; justify-content: space-between; margin-top: 20px;\">\n        <button id=\"reset-button\" style=\"background-color: #2687C7; color: white; font-weight: bold; padding: 12px 24px; border: none; border-radius: 4px; cursor: pointer; font-size: 16px;\">Start Over<\/button>\n        <a href=\"https:\/\/financer.com\/results\/\" target=\"_blank\" style=\"text-decoration: none;\" rel=\"noopener\">\n          <button id=\"compare-loans-button\" style=\"background-color: #4CAF50; color: white; font-weight: bold; padding: 12px 24px; border: none; border-radius: 4px; cursor: pointer; font-size: 16px;\">Compare Loans Now<\/button>\n        <\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\nconst questions = [\n  {\n    id: 1,\n    text: \"What's your credit score?\",\n    options: [\n      { value: \"excellent\", label: \"Excellent (720+)\" },\n      { value: \"good\", label: \"Good (690-719)\" },\n      { value: \"fair\", label: \"Fair (630-689)\" },\n      { value: \"poor\", label: \"Poor (300-629)\" },\n      { value: \"unknown\", label: \"I don't know\" }\n    ]\n  },\n  {\n    id: 2,\n    text: \"How quickly do you need the money?\",\n    options: [\n      { value: \"immediately\", label: \"Immediately (within 24 hours)\" },\n      { value: \"fewDays\", label: \"Within a few days\" },\n      { value: \"week\", label: \"Within a week\" },\n      { value: \"twoWeeks\", label: \"Within two weeks\" }\n    ]\n  },\n  {\n    id: 3,\n    text: \"Do you have any valuable items you could use as collateral?\",\n    options: [\n      { value: \"yes\", label: \"Yes\" },\n      { value: \"no\", label: \"No\" }\n    ]\n  },\n  {\n    id: 4,\n    text: \"Are you comfortable with online lending platforms?\",\n    options: [\n      { value: \"yes\", label: \"Yes\" },\n      { value: \"no\", label: \"No\" }\n    ]\n  },\n  {\n    id: 5,\n    text: \"Have you explored alternatives like payment plans or local assistance programs?\",\n    options: [\n      { value: \"yes\", label: \"Yes\" },\n      { value: \"no\", label: \"No\" }\n    ]\n  }\n];\n\nconst recommendations = {\n  personalLoan: \"Based on your responses, a personal loan might be a good option for you. With your credit score, you may qualify for competitive rates. Personal loans typically offer lower interest rates compared to other options and can be funded within a few days.\",\n  p2pLoan: \"A peer-to-peer (P2P) loan could be a suitable option for you. P2P platforms often have more flexible criteria than traditional banks and can offer competitive rates. The process is fully online, which aligns with your comfort with online lending.\",\n  creditCardAdvance: \"A credit card cash advance might be a quick solution for your needs. While it comes with higher interest rates, it provides immediate access to cash. Be sure to pay it off as quickly as possible to minimize interest charges.\",\n  pawnShopLoan: \"Given that you have valuable items to use as collateral, a pawn shop loan could be an option. It provides quick cash without a credit check, but be aware of the risks of losing your item if you can't repay the loan.\",\n  paydayLoan: \"While we generally don't recommend payday loans due to their high costs, your need for immediate cash and credit situation might make this one of your only options. Please be very cautious and have a solid repayment plan if you choose this route.\",\n  exploreAlternatives: \"Before taking out a loan, we strongly recommend exploring alternatives like payment plans or local assistance programs. These options could save you money and reduce financial stress.\"\n};\n\nlet currentQuestion = 0;\nlet answers = {};\n\nfunction displayQuestion() {\n  const question = questions[currentQuestion];\n  document.getElementById('question-number').textContent = `Question ${currentQuestion + 1} of ${questions.length}`;\n  document.getElementById('question-text').textContent = question.text;\n  \n  const optionsContainer = document.getElementById('options-container');\n  optionsContainer.innerHTML = '';\n  question.options.forEach(option => {\n    const button = document.createElement('button');\n    button.textContent = option.label;\n    button.style.cssText = 'width: 100%; text-align: left; padding: 12px; background-color: #ffffff; color: #333333; border: 1px solid #d1d5db; border-radius: 4px; margin-bottom: 8px; cursor: pointer; font-size: 16px; transition: background-color 0.3s;';\n    button.addEventListener('mouseover', () => {\n      button.style.backgroundColor = '#e6f2ff';\n      button.style.borderColor = '#2687C7';\n    });\n    button.addEventListener('mouseout', () => {\n      button.style.backgroundColor = '#ffffff';\n      button.style.borderColor = '#d1d5db';\n    });\n    button.addEventListener('click', () => handleAnswer(option.value));\n    optionsContainer.appendChild(button);\n  });\n}\n\nfunction handleAnswer(answer) {\n  answers[questions[currentQuestion].id] = answer;\n  if (currentQuestion < questions.length - 1) {\n    currentQuestion++;\n    displayQuestion();\n  } else {\n    showResults();\n  }\n}\n\nfunction showResults() {\n  document.getElementById('question-container').style.display = 'none';\n  document.getElementById('results-container').style.display = 'block';\n  \n  const recommendationsContainer = document.getElementById('recommendations');\n  recommendationsContainer.innerHTML = '';\n  \n  const results = getRecommendations();\n  results.forEach((rec, index) => {\n    const recDiv = document.createElement('div');\n    recDiv.style.cssText = 'background-color: white; border-left: 4px solid #2687C7; padding: 16px; margin-bottom: 16px; border-radius: 4px; box-shadow: 0 2px 4px rgba(0,0,0,0.1);';\n    recDiv.innerHTML = `<strong style=\"color: #2687C7;\">Option ${index + 1}: ${rec}`;\n    recommendationsContainer.appendChild(recDiv);\n  });\n}\n\nfunction getRecommendations() {\n  const results = [];\n  \n  if (answers[5] === 'no') {\n    results.push(recommendations.exploreAlternatives);\n  }\n  \n  if (['excellent', 'good', 'fair'].includes(answers[1])) {\n    if (answers[4] === 'yes') {\n      results.push(recommendations.p2pLoan);\n    }\n    results.push(recommendations.personalLoan);\n  }\n  \n  if (answers[2] === 'immediately' || answers[2] === 'fewDays') {\n    if (answers[3] === 'yes') {\n      results.push(recommendations.pawnShopLoan);\n    } else {\n      results.push(recommendations.creditCardAdvance);\n    }\n  }\n  \n  if (['poor', 'unknown'].includes(answers[1]) && (answers[2] === 'immediately' || answers[2] === 'fewDays')) {\n    results.push(recommendations.paydayLoan);\n  }\n  \n  \/\/ Add a default recommendation if no other recommendations were given\n  if (results.length === 0) {\n    results.push(\"Based on your responses, we recommend speaking with a financial advisor to explore the best options for your specific situation. They can provide personalized advice and may be aware of additional resources or loan options that could be suitable for you.\");\n  }\n  \n  return results;\n}\n\nfunction resetAssessment() {\n  currentQuestion = 0;\n  answers = {};\n  document.getElementById('results-container').style.display = 'none';\n  document.getElementById('question-container').style.display = 'block';\n  displayQuestion();\n}\n\ndocument.getElementById('reset-button').addEventListener('click', resetAssessment);\n\n\/\/ Start the assessment\ndisplayQuestion();\n<\/script>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Where_to_Get_an_800_Loan\">Where to Get an $800 Loan<\/h2>\n\n\n\n<p>When you&#8217;re in need of an $800 loan, it&#8217;s essential to understand your options and choose the one that best fits your situation.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Best_800_Loan_Option_Use_Our_LoanFinder_Tool\">Best $800 Loan Option: Use Our LoanFinder Tool<\/h3><p><!-- wp:paragraph --><\/p>\n<p>Why? Because loan availability, terms, and regulations can vary dramatically depending on where you live. <a href=\"https:\/\/financer.com\/results\/\">LoanFinder<\/a> takes the guesswork out of your search by:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list {\"ordered\":true} --><\/p>\n<ol><!-- wp:list-item -->\n<li>Showing you only the loans legally available in your area<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Comparing rates and terms across multiple lenders instantly<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Potentially saving you hours of research and frustration<\/li>\n<!-- \/wp:list-item --><\/ol>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>Given the differences in state regulations, it&#8217;s crucial to use <a href=\"https:\/\/financer.com\/results\/\">our loan comparison tool<\/a> to find the best $800 loan options available to you. This ensures you&#8217;re seeing accurate, up-to-date information tailored to your specific location and circumstances.<\/p>\n<p><!-- \/wp:paragraph --><\/p><p class=\"has-text-left\">\n\t    <a href=\"https:\/\/financer.com\/results\/\"   class=\"button is-normal is-primary is-rounded is-large\">Compare $800 Loans <\/a>\n\t<\/p><\/div>\n\n\n<p>Now that you understand why we strongly recommend using <a href=\"https:\/\/financer.com\/results\/\">LoanFinder\u2122\ufe0f<\/a>, let&#8217;s explore some common $800 loan options that might be available to you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Personal_Loans\">Personal Loans:<\/h3>\n\n\n\n<p>If you have a decent credit score and need some time to repay, a personal loan could be your best bet. <a href=\"https:\/\/financer.com\/company\/low-credit-finance\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Low Credit Finance<\/a> offers personal loans even if your credit isn&#8217;t perfect.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/company\/low-credit-finance\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"360\" height=\"110\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/10\/low-credit-finance-logo.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/10\/low-credit-finance-logo.png 360w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2023\/10\/low-credit-finance-logo-300x92.png 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><span class=\"items-content__card-chosen\">Chosen <strong>2,500<\/strong> times<\/span><ul class=\"items-content__card-list\"><li >All Credit Types Accepted<\/li><li >Easy Online Application<\/li><li >Approval decision in minutes<\/li><li >Flexible Repayment Terms<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">100<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lowest APR<\/span><span class=\"items-content__card-datapoint-value\">5.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Highest APR<\/span><span class=\"items-content__card-datapoint-value\">35.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Term<\/span><span class=\"items-content__card-datapoint-value\">2 Months<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Term<\/span><span class=\"items-content__card-datapoint-value\">7 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepts bad credit:<\/span><span class=\"items-content__card-datapoint-value\">Yes. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/company\/low-credit-finance\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"47511\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">See offer<\/a><a href=\"https:\/\/financer.com\/company\/low-credit-finance\/\"  class=\"button is-rounded items-content__card-more-info\">More Info<\/a><a href=\"https:\/\/financer.com\/company\/low-credit-finance\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"5\">5.0<\/span><\/a><span class=\"items-content__card-reviews\">Read&nbsp;<a href=\"https:\/\/financer.com\/company\/low-credit-finance\/#read-reviews\">11<\/strong>&nbsp;reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Consider_this_option_if\">Consider this option if:<\/h3><p><!-- wp:list --><\/p>\n<ul><!-- wp:list-item -->\n<li>You can afford monthly payments over several months<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You want a lower interest rate than credit cards typically offer<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You prefer a fixed repayment schedule<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Payday_Loans\">Payday Loans:<\/h3>\n\n\n\n<p>These loans can provide nearly instant funding, sometimes within hours of approval. Many lenders like <a href=\"https:\/\/financer.com\/company\/advance-america\/\">Advance America<\/a> offer same-day cash pickup at physical locations, which can be convenient if you need money immediately.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/company\/advance-america\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"2557\" height=\"740\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/08\/advance-america.jpg\" class=\"attachment-full size-full\" alt=\"Advance America\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/08\/advance-america.jpg 2557w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/08\/advance-america-300x87.jpg 300w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/08\/advance-america-1024x296.jpg 1024w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/08\/advance-america-768x222.jpg 768w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/08\/advance-america-1536x445.jpg 1536w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/08\/advance-america-2048x593.jpg 2048w\" sizes=\"(max-width: 2557px) 100vw, 2557px\" \/><\/a><span class=\"items-content__card-chosen\">Chosen <strong>156<\/strong> times<\/span><ul class=\"items-content__card-list\"><li >Accepts all credit types<\/li><li >Same-day funding available<\/li><li >No Credit Reporting<\/li><li >High customer satisfaction<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">100<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lowest APR<\/span><span class=\"items-content__card-datapoint-value\">143.29<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Highest APR<\/span><span class=\"items-content__card-datapoint-value\">688.28<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Term<\/span><span class=\"items-content__card-datapoint-value\">7 Days<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Term<\/span><span class=\"items-content__card-datapoint-value\">2 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepts bad credit:<\/span><span class=\"items-content__card-datapoint-value\">Yes. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/company\/advance-america\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20413\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">See offer<\/a><a href=\"https:\/\/financer.com\/company\/advance-america\/\"  class=\"button is-rounded items-content__card-more-info\">More Info<\/a><a href=\"https:\/\/financer.com\/company\/advance-america\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"5\">5.0<\/span><\/a><span class=\"items-content__card-reviews\">Read&nbsp;<a href=\"https:\/\/financer.com\/company\/advance-america\/#read-reviews\">1<\/strong>&nbsp;reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>However, approach these loans with caution due to their high interest rates. If you decide to go this route, consider visiting our page on <a href=\"https:\/\/financer.com\/loans\/direct-lenders\/\">direct payday loan lenders<\/a> to find reputable options near you.<\/p>\n\n\n\n<p>This might be for you if:<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"This_might_be_for_you_if\">This might be for you if:<\/h3><p><!-- wp:list --><\/p>\n<ul><!-- wp:list-item -->\n<li>You need the money immediately and have exhausted other options<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You&#8217;re confident you can repay the full amount by your next paycheck<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You understand the high costs involved and have a plan to avoid a debt cycle<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Credit_Card_Cash_Advances\">Credit Card Cash Advances:<\/h3>\n\n\n\n<p>If you have available credit on your card, a cash advance can be an incredibly quick solution &#8211; often providing instant access to cash at ATMs or bank branches. This option doesn&#8217;t require a credit check or application process, making it convenient for immediate needs.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"What_are_the_costs\">What are the costs?<\/h3><p><!-- wp:list --><\/p>\n<ul><!-- wp:list-item -->\n<li>Interest starts accruing immediately, often at a higher rate than regular purchases (typically around 24-27% APR).<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Most cards charge a cash advance fee, usually 3-5% of the amount withdrawn (with a minimum fee of $5-$10).<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Cash advances don&#8217;t typically have a grace period, unlike regular credit card purchases.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p><\/div>\n\n\n<p>Despite these costs, a credit card cash advance might still be cheaper than a payday loan if you can repay it quickly. It&#8217;s best suited for short-term cash needs when you have a plan to pay it back within a few days or weeks.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Consider_this_if\">Consider this if:<\/h3><p><!-- wp:list --><\/p>\n<ul><!-- wp:list-item -->\n<li>You can repay the amount quickly to minimize interest charges<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Your card&#8217;s cash advance APR is lower than other loan options<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You don&#8217;t want to go through a new application process<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Peer_to_Peer_P2P_Lending\">Peer-to-Peer (P2P) Lending:<\/h3>\n\n\n\n<p>Platforms like <a href=\"https:\/\/financer.com\/company\/lenme\/\">Lenme<\/a> or Prosper connect borrowers directly with individual lenders online. P2P lending can offer competitive rates and flexible terms for $800 loans, often with a quick approval process.<\/p>\n\n\n\n<p>Keep in mind:<\/p>\n\n\n\n<ul>\n<li>Potentially lower interest rates than traditional loans<\/li>\n\n\n\n<li>Funding typically arrives within 1-5 business days<\/li>\n\n\n\n<li>Credit check required, which may impact your score<\/li>\n\n\n\n<li>Origination fees may apply (usually 1-5% of loan amount)<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"This_could_be_a_good_choice_if\">This could be a good choice if:<\/h3><p><!-- wp:list --><\/p>\n<ul><!-- wp:list-item -->\n<li>You have a good credit score and want competitive interest rates<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You&#8217;re comfortable with an online lending process<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You prefer a more personalized lending experience<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pawn_Shop_Loans\">Pawn Shop Loans:<\/h3>\n\n\n\n<p><a href=\"https:\/\/financer.com\/loans\/articles\/pawnshop-loans\/\">Pawn shops<\/a> offer quick cash in exchange for valuable items as collateral. These loans can provide immediate funding, often within minutes of appraising your item.<\/p>\n\n\n\n<p>The process is straightforward: you bring in your item, get it valued, and receive a loan based on a percentage of its worth. However, be aware that interest rates can be high, and you risk losing your item if you can&#8217;t repay the loan. <\/p>\n\n\n\n<p>If you&#8217;re considering this option, it&#8217;s crucial to understand the terms and have a solid plan for repayment.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Consider_a_pawn_shop_loan_if\">Consider a pawn shop loan if:<\/h3><p><!-- wp:list --><\/p>\n<ul><!-- wp:list-item -->\n<li>You have a valuable item you&#8217;re willing to use as collateral<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You need cash immediately and have limited other options<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You&#8217;re confident you can repay the loan within the specified timeframe (usually 30 to 90 days)<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You understand the risk of losing your item if you default on the loan<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Family_or_Friends\">Family or Friends:<\/h3>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>However, mixing money with personal relationships can be tricky. It&#8217;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.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Consider_this_route_if\">Consider this route if:<\/h3><p><!-- wp:list --><\/p>\n<ul><!-- wp:list-item -->\n<li>You have a trusted relationship with someone who can afford to lend<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You&#8217;re willing to formalize the agreement to protect your relationship<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You can commit to a repayment plan and stick to it<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Compare loans from 79 lenders<\/h3><p>Find the cheapest rate with one click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"500\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=90&\" data-slider-url=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=90&\" data-required=\"results?query=1non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=90&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compare Offers<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"How_Much_Does_an_800_Loan_Cost\">How Much Does an $800 Loan Cost?<\/h2>\n\n\n\n<p>Understanding the real cost of borrowing $800 is crucial. Let&#8217;s break it down:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cost_Comparison_for_an_800_Loan_30_day_term\">Cost Comparison for an $800 Loan (30-day term)<\/h3>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th>Loan Type<\/th><th>APR<\/th><th>Fees<\/th><th>Total Repayment<\/th><th>Cost of Borrowing<\/th><\/tr><\/thead><tbody><tr><td>Personal Loan<\/td><td>10%<\/td><td>$0<\/td><td>$806.67<\/td><td>$6.67<\/td><\/tr><tr><td>Payday Loan<\/td><td>400%<\/td><td>$120<\/td><td>$920<\/td><td>$120<\/td><\/tr><tr><td>Credit Card Cash Advance<\/td><td>25%<\/td><td>$40<\/td><td>$856.67<\/td><td>$56.67<\/td><\/tr><tr><td>Pawn Shop Loan<\/td><td>240%<\/td><td>$0<\/td><td>$960<\/td><td>$160<\/td><\/tr><tr><td>P2P Loan<\/td><td>15%<\/td><td>$40 (5% origination)<\/td><td>$848<\/td><td>$48<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The <a href=\"https:\/\/financer.com\/loans\/articles\/what-is-apr\/\">APR<\/a> doesn&#8217;t tell the whole story for short-term loans. Always calculate the total cost of borrowing to make an informed decision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"What_do_I_need_to_Qualify\">What do I need to Qualify?<\/h2>\n\n\n\n<p>Qualifying for an $800 loan depends on the type of loan you&#8217;re seeking and the lender&#8217;s specific requirements.<\/p>\n\n\n\n<meta charset=\"UTF-8\">\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n    <title>Loan Options Dashboard<\/title>\n    <style>\n        body {\n            font-family: Arial, sans-serif;\n        }\n        .dashboard {\n            max-width: 800px;\n            margin: auto;\n        }\n        .icon-container {\n            display: flex;\n            justify-content: space-between;\n            align-items: flex-end;\n            margin-bottom: 30px;\n        }\n        .icon-item {\n            text-align: center;\n            width: 20%;\n            display: flex;\n            flex-direction: column;\n            align-items: center;\n        }\n        .icon-title {\n            font-weight: bold;\n            color: #333;\n            margin-bottom: 10px;\n            height: 40px; \/* Fixed height for title *\/\n            display: flex;\n            align-items: flex-end;\n            justify-content: center;\n        }\n        .loan-option {\n            border: 1px solid #e0e0e0;\n            border-radius: 8px;\n            margin-bottom: 15px;\n            overflow: hidden;\n        }\n        .loan-header {\n            background-color: #f5f5f5;\n            padding: 15px;\n            cursor: pointer;\n            display: flex;\n            justify-content: space-between;\n            align-items: center;\n        }\n        .loan-header span {\n            font-weight: bold;\n            color: #2171b9;\n        }\n        .loan-content {\n            padding: 15px;\n            display: none;\n            background-color: #ffffff;\n        }\n        .loan-content p {\n            margin: 5px 0;\n        }\n    <\/style>\n\n\n    <div class=\"dashboard\">\n        <div class=\"icon-container\">\n            <div class=\"icon-item\">\n                <div class=\"icon-title\">Credit History<\/div>\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 50 40\" width=\"50\" height=\"50\">\n                    <g transform=\"translate(0, 5)\">\n                        <path d=\"M5 30 A20 20 0 0 1 45 30\" fill=\"none\" stroke=\"#e6e6e6\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path>\n                        <path d=\"M5 30 A20 20 0 0 1 14 11\" fill=\"none\" stroke=\"#ff4d4d\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path>\n                        <path d=\"M14 11 A20 20 0 0 1 36 11\" fill=\"none\" stroke=\"#ffa500\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path>\n                        <path d=\"M36 11 A20 20 0 0 1 45 30\" fill=\"none\" stroke=\"#4caf50\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path>\n                        <circle cx=\"25\" cy=\"30\" r=\"3\" fill=\"#333\"><\/circle>\n                        <path d=\"M25 30 L25 15\" stroke=\"#333\" stroke-width=\"2\" stroke-linecap=\"round\"><\/path>\n                    <\/g>\n                <\/svg>\n            <\/div>\n            <div class=\"icon-item\">\n                <div class=\"icon-title\">Income Proof<\/div>\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 50 50\" width=\"50\" height=\"50\">\n                    <rect x=\"5\" y=\"10\" width=\"40\" height=\"30\" fill=\"none\" stroke=\"#2171b9\" stroke-width=\"2\" rx=\"3\"><\/rect>\n                    <line x1=\"10\" y1=\"20\" x2=\"40\" y2=\"20\" stroke=\"#2171b9\" stroke-width=\"2\"><\/line>\n                    <line x1=\"10\" y1=\"30\" x2=\"40\" y2=\"30\" stroke=\"#2171b9\" stroke-width=\"2\"><\/line>\n                    <text x=\"25\" y=\"28\" font-family=\"Arial, sans-serif\" font-size=\"12\" fill=\"#2171b9\" text-anchor=\"middle\">$$$<\/text>\n                <\/svg>\n            <\/div>\n            <div class=\"icon-item\">\n                <div class=\"icon-title\">Bank Account<\/div>\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 50 50\" width=\"50\" height=\"50\">\n                    <path d=\"M5 20 L25 5 L45 20 L45 45 L5 45 Z\" fill=\"#4A90E2\" stroke=\"#2171B5\" stroke-width=\"2\"><\/path>\n                    <rect x=\"10\" y=\"20\" width=\"5\" height=\"25\" fill=\"#FFFFFF\"><\/rect>\n                    <rect x=\"22.5\" y=\"20\" width=\"5\" height=\"25\" fill=\"#FFFFFF\"><\/rect>\n                    <rect x=\"35\" y=\"20\" width=\"5\" height=\"25\" fill=\"#FFFFFF\"><\/rect>\n                    <rect x=\"5\" y=\"45\" width=\"40\" height=\"3\" fill=\"#2171B5\"><\/rect>\n                    <text x=\"25\" y=\"36\" font-family=\"Arial, sans-serif\" font-size=\"20\" fill=\"#FFD700\" text-anchor=\"middle\">$<\/text>\n                <\/svg>\n            <\/div>\n            <div class=\"icon-item\">\n                <div class=\"icon-title\">ID<\/div>\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 50 50\" width=\"50\" height=\"50\">\n                    <rect x=\"5\" y=\"10\" width=\"40\" height=\"30\" fill=\"#F5F5F5\" stroke=\"#333333\" stroke-width=\"2\" rx=\"3\"><\/rect>\n                    <rect x=\"10\" y=\"15\" width=\"15\" height=\"20\" fill=\"#E0E0E0\" stroke=\"#333333\" stroke-width=\"1\"><\/rect>\n                    <circle cx=\"17.5\" cy=\"22\" r=\"3\" fill=\"none\" stroke=\"#333333\" stroke-width=\"1\"><\/circle>\n                    <path d=\"M14.5 28 C14.5 25 20.5 25 20.5 28\" fill=\"none\" stroke=\"#333333\" stroke-width=\"1\"><\/path>\n                    <rect x=\"30\" y=\"17\" width=\"15\" height=\"2\" fill=\"#333333\"><\/rect>\n                    <rect x=\"30\" y=\"22\" width=\"12\" height=\"2\" fill=\"#333333\"><\/rect>\n                    <rect x=\"30\" y=\"27\" width=\"15\" height=\"2\" fill=\"#333333\"><\/rect>\n                    <rect x=\"10\" y=\"32\" width=\"7\" height=\"5\" fill=\"#FFD700\" stroke=\"#333333\" stroke-width=\"1\"><\/rect>\n                <\/svg>\n            <\/div>\n            <div class=\"icon-item\">\n                <div class=\"icon-title\">Collateral<\/div>\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 50 50\" width=\"50\" height=\"50\">\n                    <circle cx=\"25\" cy=\"25\" r=\"15\" fill=\"none\" stroke=\"#FFD700\" stroke-width=\"4\"><\/circle>\n                    <g transform=\"translate(25 25) rotate(-45) translate(-6 -22)\">\n                        <path d=\"M0 0 L6 0 L9 6 L3 12 L-3 6 Z\" fill=\"#E0E0E0\" stroke=\"#A0A0A0\" stroke-width=\"1\"><\/path>\n                        <path d=\"M3 12 L0 0 M3 12 L6 0 M3 12 L-3 6 M3 12 L9 6\" stroke=\"#A0A0A0\" stroke-width=\"1\"><\/path>\n                    <\/g>\n                <\/svg>\n            <\/div>\n        <\/div>\n\n        <div class=\"loan-option\">\n            <div class=\"loan-header\">\n                <span>Personal Loan<\/span>\n                <span>\u25bc<\/span>\n            <\/div>\n            <div class=\"loan-content\">\n                <p><strong style=\"color: #2171b9;\">Requirements:<\/strong> \u2714\ufe0f Credit History, \u2714\ufe0f Income Proof, \u2714\ufe0f Bank Account, \u2714\ufe0f ID, \u274c Collateral<\/p>\n                <p><strong style=\"color: #2171b9;\">Pros:<\/strong> Lower interest rates, longer repayment terms<\/p>\n                <p><strong style=\"color: #2171b9;\">Cons:<\/strong> May be difficult to qualify with poor credit<\/p>\n            <\/div>\n        <\/div>\n\n        <div class=\"loan-option\">\n            <div class=\"loan-header\">\n                <span>Payday Loan<\/span>\n                <span>\u25bc<\/span>\n            <\/div>\n            <div class=\"loan-content\">\n                <p><strong style=\"color: #2171b9;\">Requirements:<\/strong> \u274c Credit History, \u2714\ufe0f Income Proof, \u2714\ufe0f Bank Account, \u2714\ufe0f ID, \u274c Collateral<\/p>\n                <p><strong style=\"color: #2171b9;\">Pros:<\/strong> Easy to qualify, fast funding<\/p>\n                <p><strong style=\"color: #2171b9;\">Cons:<\/strong> Very high interest rates, short repayment terms<\/p>\n            <\/div>\n        <\/div>\n\n        <div class=\"loan-option\">\n            <div class=\"loan-header\">\n                <span>Credit Card Cash Advance<\/span>\n                <span>\u25bc<\/span>\n            <\/div>\n            <div class=\"loan-content\">\n                <p><strong style=\"color: #2171b9;\">Requirements:<\/strong> \u2714\ufe0f Credit History, \u274c Income Proof, \u274c Bank Account, \u2714\ufe0f ID, \u274c Collateral<\/p>\n                <p><strong style=\"color: #2171b9;\">Pros:<\/strong> Immediate access to cash, no separate application needed<\/p>\n                <p><strong style=\"color: #2171b9;\">Cons:<\/strong> High interest rates, starts accruing immediately<\/p>\n            <\/div>\n        <\/div>\n\n        <div class=\"loan-option\">\n            <div class=\"loan-header\">\n                <span>P2P Lending<\/span>\n                <span>\u25bc<\/span>\n            <\/div>\n            <div class=\"loan-content\">\n                <p><strong style=\"color: #2171b9;\">Requirements:<\/strong> \u2714\ufe0f Credit History, \u2714\ufe0f Income Proof, \u2714\ufe0f Bank Account, \u2714\ufe0f ID, \u274c Collateral<\/p>\n                <p><strong style=\"color: #2171b9;\">Pros:<\/strong> Potentially lower interest rates, flexible terms<\/p>\n                <p><strong style=\"color: #2171b9;\">Cons:<\/strong> Approval process can be longer, may require good credit<\/p>\n            <\/div>\n        <\/div>\n\n        <div class=\"loan-option\">\n            <div class=\"loan-header\">\n                <span>Pawn Shop Loan<\/span>\n                <span>\u25bc<\/span>\n            <\/div>\n            <div class=\"loan-content\">\n                <p><strong style=\"color: #2171b9;\">Requirements:<\/strong> \u274c Credit History, \u274c Income Proof, \u274c Bank Account, \u2714\ufe0f ID, \u2714\ufe0f Collateral<\/p>\n                <p><strong style=\"color: #2171b9;\">Pros:<\/strong> No credit check, immediate cash<\/p>\n                <p><strong style=\"color: #2171b9;\">Cons:<\/strong> Risk of losing valuable items, typically high interest rates<\/p>\n            <\/div>\n        <\/div>\n\n        <div class=\"loan-option\">\n            <div class=\"loan-header\">\n                <span>Borrowing from Family\/Friends<\/span>\n                <span>\u25bc<\/span>\n            <\/div>\n            <div class=\"loan-content\">\n                <p><strong style=\"color: #2171b9;\">Requirements:<\/strong> \u274c Credit History, \u274c Income Proof, \u274c Bank Account, \u274c ID, \u274c Collateral<\/p>\n                <p><strong style=\"color: #2171b9;\">Pros:<\/strong> Potentially no interest, flexible repayment terms<\/p>\n                <p><strong style=\"color: #2171b9;\">Cons:<\/strong> Can strain relationships if not repaid, limited amounts available<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <script>\n        document.querySelectorAll('.loan-header').forEach(item => {\n            item.addEventListener('click', event => {\n                const content = item.nextElementSibling;\n                content.style.display = content.style.display === 'none' ? 'block' : 'none';\n                item.querySelector('span:last-child').textContent = content.style.display === 'none' ? '\u25bc' : '\u25b2';\n            })\n        })\n    <\/script>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Regardless_of_Loan_Type_Be_Prepared_to_Provide\">Regardless of Loan Type, Be Prepared to Provide:<\/h3><ul>\n<li>Contact information<\/li>\n<li>Employment details<\/li>\n<li>Monthly income and expenses<\/li>\n<\/ul><\/div>\n\n\n<p>Always read the fine print and understand the terms before accepting any loan offer. If a lender doesn&#8217;t verify your ability to repay, it&#8217;s a red flag \u2013 responsible lending practices protect both you and the lender.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Before_applying\">Before applying:<\/h3><p>Check your credit score for free. Knowing your score can help you target lenders more likely to approve your application, potentially saving you from unnecessary hard inquiries on your credit report.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Alternatives_to_an_800_Loan\">Alternatives to an $800 Loan<\/h2>\n\n\n\n<p>Before you settle on an $800 loan, it&#8217;s worth exploring other options that might solve your financial need without taking on debt:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Negotiate with Creditors:<\/strong> If you&#8217;re facing a bill you can&#8217;t pay, try negotiating with the creditor. Many are willing to set up payment plans or reduce the amount owed.<\/p>\n<\/li><li><p><strong>Sell Unused Items:<\/strong> Look around your home. That old laptop, designer clothing, or rarely-used musical instrument could be your ticket to $800.<\/p>\n<\/li><li><p><strong>Pick Up a Side Gig:<\/strong> In today&#8217;s gig economy, you could earn $800 through ride-sharing, food delivery, or online freelancing faster than you might think. Platforms like Uber, DoorDash, or Fiverr can help you get started quickly.<\/p>\n<\/li><li><p><strong>Borrow from Your Future Self:<\/strong> If you have a 401(k), you might be able to take a loan from it. Be cautious with this option, as it can impact your retirement savings and may come with tax implications.<\/p>\n<\/li><li><p><strong>Seek Community Assistance:<\/strong> Local charities, religious organizations, or community centers sometimes offer small grants or interest-free loans for people in need. Check with your local United Way or community action agency for resources.<\/p>\n<\/li><li><p><strong>Use a Credit Card Wisely:<\/strong> If you have a card with a 0% APR introductory offer, this could be a better option than a high-interest loan. Just be sure you can pay it off before the promotional period ends.<\/p>\n<\/li><li><p><strong>Trim Your Budget:<\/strong> Look for areas where you can cut back temporarily. Cancelling subscriptions, reducing dining out, or finding free entertainment options could add up quickly to reach your $800 goal.<\/p>\n<\/li><li><p><strong>Ask for a Paycheck Advance:<\/strong> Some employers offer paycheck advances. While this isn&#8217;t always an option, it&#8217;s worth asking your HR department if it&#8217;s possible.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Remember, the best solution isn&#8217;t always a loan. Sometimes, creative problem-solving can lead to better outcomes for your long-term financial health.<\/p>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>How to save <span class=\"compare-amount\">$619.00 <\/span> on your loan<\/h3>\n\t\t\t\t<p>The price difference for a $500.00 loan in 90 days is $619.00.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.com\/results\/?query=1&filter_non_affiliate=1&param_amount=500&param_period=90\" class=\"button is-normal is-primary is-rounded\">Find out how<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"How_an_800_Loan_Affects_Your_Credit\">How an $800 Loan Affects Your Credit<\/h2>\n\n\n\n<p>The impact of an $800 loan on your credit score depends on the type of loan and how you manage it:<\/p>\n\n\n\n<ul>\n<li><strong>Personal Loans and P2P Loans<\/strong>: Can positively impact your credit if payments are made on time. They add to your credit mix and payment history.<\/li>\n\n\n\n<li><strong>Payday Loans<\/strong>: Typically don&#8217;t affect your <a href=\"https:\/\/financer.com\/personal-finance\/articles\/credit-score\/\">credit score<\/a> unless you default. However, some lenders may report to alternative credit bureaus.<\/li>\n\n\n\n<li><strong>Credit Card Cash Advances<\/strong>: Can negatively impact your credit utilization ratio, potentially lowering your score. However, making timely payments can mitigate this effect.<\/li>\n\n\n\n<li><strong>Pawn Shop Loans<\/strong>: Generally don&#8217;t affect your credit score, as they usually don&#8217;t report to credit bureaus.<\/li>\n\n\n\n<li><strong>Borrowing from Family or Friends<\/strong>: Typically doesn&#8217;t impact your credit score unless you use a formal lending service that reports to credit bureaus.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Frequently_Asked_Questions_About_800_Loans\">Frequently Asked Questions About $800 Loans<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Can I get an $800 loan with bad credit?<\/h4><div class=\"faq_inner\"><p>Yes, it&#8217;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.<\/p><\/div><h4>How quickly can I get an $800 loan?<\/h4><div class=\"faq_inner\"><p>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.<\/p><\/div><h4>What&#8217;s the typical interest rate for an $800 loan?<\/h4><div class=\"faq_inner\"><p>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.<\/p><\/div><h4>Do I need collateral for an $800 loan?<\/h4><div class=\"faq_inner\"><p>Not necessarily. Many $800 loans are unsecured, meaning they don&#8217;t require collateral. However, secured loans (like pawn shop loans) might offer better rates if you&#8217;re willing to put up an item of value as collateral.<\/p><\/div><h4>How long do I have to repay an $800 loan?<\/h4><div class=\"faq_inner\"><p>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.<\/p><\/div><h4>Will taking out an $800 loan affect my credit score?<\/h4><div class=\"faq_inner\"><p>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.<\/p><\/div><h4>Are there alternatives to getting an $800 loan?<\/h4><div class=\"faq_inner\"><p>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.<\/p><\/div><h4>How can I ensure I&#8217;m getting the best deal on an $800 loan?<\/h4><div class=\"faq_inner\"><p>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&#8217;t be afraid to ask lenders questions if anything is unclear.<\/p><\/div><\/div>\n\n\n<style>\n  .financer-loan-links {\n    max-width: 1000px;\n    margin: 2rem auto;\n    padding: 1.5rem;\n    background-color: #f0f7ff;\n    border-radius: 0.5rem;\n    box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);\n  }\n  .financer-loan-links h2 {\n    font-size: 1.5rem;\n    font-weight: 700;\n    margin-bottom: 1rem;\n    color: #1e3a8a;\n    text-align: center;\n  }\n  .financer-loan-links-grid {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 0.75rem;\n    justify-content: center;\n  }\n  .financer-loan-links-grid a {\n    padding: 0.625rem 1rem;\n    border-radius: 0.375rem;\n    font-size: 0.9375rem;\n    font-weight: 500;\n    text-decoration: none;\n    transition: all 0.2s;\n    border: 1px solid #e5e7eb;\n  }\n  .financer-loan-links-grid a:not(.current) {\n    background-color: #ffffff;\n    color: #1e3a8a;\n  }\n  .financer-loan-links-grid a:not(.current):hover {\n    background-color: #dbeafe;\n    border-color: #93c5fd;\n  }\n  .financer-loan-links-grid a.current {\n    background-color: #2563eb;\n    color: #ffffff;\n    border-color: #2563eb;\n    box-shadow: 0 1px 3px 0 rgba(0, 0, 0, 0.1), 0 1px 2px 0 rgba(0, 0, 0, 0.06);\n  }\n<\/style>\n\n<div class=\"financer-loan-links\">\n  <h2 id=\"Explore_Other_Loan_Amounts\">Explore Other Loan Amounts<\/h2>\n  <div class=\"financer-loan-links-grid\">\n    <a href=\"\/loans\/100-loans\/\">$100<\/a>\n    <a href=\"\/loans\/200-loans\/\">$200<\/a>\n    <a href=\"\/loans\/300-loans\/\">$300<\/a>\n    <a href=\"\/loans\/400-loans\/\">$400<\/a>\n    <a href=\"\/loans\/500-loans\/\">$500<\/a>\n    <a href=\"\/loans\/600-loans\/\">$600<\/a>\n    <a href=\"\/loans\/700-loans\/\">$700<\/a>\n    <a href=\"\/loans\/800-loans\/\" class=\"current\">$800<\/a>\n    <a href=\"\/loans\/900-loans\/\">$900<\/a>\n    <a href=\"\/loans\/1000-loans\/\">$1,000<\/a>\n    <a href=\"\/loans\/1500-loans\/\">$1,500<\/a>\n    <a href=\"\/loans\/2000-loans\/\">$2,000<\/a>\n    <a href=\"\/loans\/2500-loans\/\">$2,500<\/a>\n    <a href=\"\/loans\/3000-loans\/\">$3,000<\/a>\n    <a href=\"\/loans\/4000-loans\/\">$4,000<\/a>\n    <a href=\"\/loans\/5000-loans\/\">$5,000<\/a>\n    <a href=\"\/loans\/10000-loans\/\">$10,000<\/a>\n    <a href=\"\/loans\/15000-loans\/\">$15,000<\/a>\n    <a href=\"\/loans\/20000-loans\/\">$20,000<\/a>\n    <a href=\"\/loans\/25000-loans\/\">$25,000<\/a>\n    <a href=\"\/loans\/30000-loans\/\">$30,000<\/a>\n    <a href=\"\/loans\/35000-loans\/\">$35,000<\/a>\n    <a href=\"\/loans\/40000-loans\/\">$40,000<\/a>\n    <a href=\"\/loans\/50000-loans\/\">$50,000<\/a>\n  <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Facing an unexpected $800 expense? You&#8217;re not alone. Whether it&#8217;s a car repair, medical bill, or home emergency, these situations\u2026 <\/p>\n","protected":false},"author":37432,"featured_media":559,"parent":184,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1076],"tags":[13],"_links":{"self":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages\/496"}],"collection":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/users\/37432"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/comments?post=496"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages\/496\/revisions"}],"predecessor-version":[{"id":81323,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages\/496\/revisions\/81323"}],"up":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages\/184"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media\/559"}],"wp:attachment":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media?parent=496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/categories?post=496"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/tags?post=496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}