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Getting an $800 loan can be a hassle-free process when you apply through ASAP Finance. With our smooth online application and no credit check performed, you can access the funds in as little as 24 hours. Our direct lenders offer loans to borrowers with any credit scores and gladly help those with no credit history at all. Act quickly and get cash today!

What Is an $800 Loan?

An $800 loan is a short-term loan designed to cover your up to $800 unexpected expenses. This loan can be transferred to your bank account within one business day and then repaid in full within 2 to 4 weeks. The due date is usually tied to your next paycheck. In addition to the initial loan amount, you will be asked to pay lender’s fees.

$800 payday loans come with an almost instant approval decision. They can be obtained with any credit, making them an almost ideal option for people with credit issues. At the same time, $800 loans may be quite expensive.

Where Can I Get an $800 Loan?

Short-term loans, which include $800 loans, can be legally obtained in 37 states. The 13 states that prohibit this form of lending are: Arizona, Arkansas, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, New Mexico, New York, North Carolina, Pennsylvania, Vermont, West Virginia, and District of Columbia. If you’re not a resident of one of these states, you’re welcome to get payday loans via ASAP Finance.

However, some states may apply additional restrictions, including loan amount caps. Thus, your maximum loan amount may be limited to $300 in California or $500 in Missouri.

How to Find an $800 Loan with No Credit Check?

Although many lenders offer $800 loans, most of them check your credit profile, making it challenging to qualify with a less-than-perfect credit history. Additionally, you will have to wait at least a few days to get extra cash.

At ASAP Finance, we partner with multiple loan providers, allowing you to access many offers by filling out just one online form. You're welcome to apply with any credit and find an option that will work for you in a matter of minutes. Our online direct payday lenders don't perform hard checks, so the process is always smooth and fast. If you're in a financial emergency and looking for a fast way to borrow $800, you're in the right place.

Apply For a $800 Loan With No Credit Check

I Need 800 Dollars Now. What Are My Options?

When you apply through ASAP Finance, there are two 800 dollar loan options available.

$800 Payday Loan

A payday loan is a short-term loan of up to $1,000 that must be repaid in full by a borrower's next payday. Payday loans can arrive in your bank account within one business day. They can help you overcome small financial emergencies or bridge the gap between paychecks. However, they are considered expensive options and should be used cautiously.

$800 Installment Loan

An installment loan is a long-term financial solution that comes with more flexibility. It allows you to get $800 or any loan amount of up to $5,000. You receive the funds in full and must repay them in affordable monthly installments within 2 to 24 months. This makes guaranteed installment loans easier to manage, especially for people with limited budgets.

What Can I Use an 800 Dollar Loan for?

$800 loans can be used for a variety of personal needs, from covering medical bills to financing car repairs. Our lending partners don't restrict you in the way you can use the borrowed amount. However, an 800 dollar loan can be an expensive borrowing option, so it's recommended to use them with caution. Most people turn to $800 loans when they experience financial hardships or face unexpected expenses that require immediate attention.

Who Can Get a Loan for $800?

Loans for $800 come with extremely relaxed eligibility criteria. This makes them accessible for most Americans who find themselves in an emergency. To qualify, you need to meet the following requirements:

  • No less than 18 y.o.;
  • Have a government-issued photo ID;
  • Have an active checking account;
  • Verify your steady source of income;
  • Specify your personal details, including cell phone number, email, address, Social Security number, and employment status.

Can I Get an $800 Payday Loan with Bad Credit?

Yes, you can! Having a bad credit score is not an obstacle if you deal with the right lender. When you apply through ASAP Finance, any credit history is accepted. Our partners don't perform hard credit checks and are not focused on your credit background. Your income is the factor that matters most, so if you have a stable one, you're welcome to apply, even with poor credit.

How to Get an $800 Loan Online Through ASAP Finance?

ASAP Finance offers a fast and straightforward loan application procedure. Follow these steps and see it for yourself:

Complete an online application form. Click on the "Apply Now" button and enter your personal and financial details in the form. Make sure to provide accurate information before submitting your loan request.

Get an almost instant decision. After we receive your application, we will share it with our reputable lenders. The one that can help will review your details and send you a loan approval decision. It's usually a matter of minutes if you apply within a lender's operation hours.

Sign a loan agreement. If approved, read your loan contract carefully and e-sign it to get the funds.

Access the money in your bank account. Most lenders deposit funds within one business day from the moment you accept the offer.

What to Consider Before Getting an $800 Loan?

Before you borrow money, make sure to assess the loan terms offered by your loan provider. Pay attention to the factors that affect the total loan cost, such as interest rate, origination fee, and penalties. As $800 loans may be expensive, consider some alternatives, such as borrowing from family or using a credit card. If getting an $800 loan is the only option available, make sure to have a clear repayment plan to avoid high late fees and credit score damage.



Are There Any Fees Charged for Using ASAP Finance?

ASAP Finance doesn't charge any hidden fees or application commissions. You can use our service completely free and apply as many times as it's needed to get the best possible loan offer.


Can I Legally Borrow $800 in My State?

You can legally get a short-term loan if you’re NOT a resident of the following states: Arizona, Arkansas, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, New Mexico, New York, North Carolina, Pennsylvania, Vermont, West Virginia, and District of Columbia. However, some additional restrictions may be applied, limiting the maximum loan amount you can get to $300 or $500.


How Will I Repay My $800 Loan?

The repayment can be made either in one lump sum or in equal monthly installments, depending on the type of loan you pick. A direct lender will withdraw money automatically from your bank account on the due date.


How Fast Can I Get an $800 Loan?

It depends on a lender's cut-off times. In most cases, the money will arrive as soon as the next business day. Some lenders also offer emergency same day loans to people who get approved before noon on a working day.


Does Getting an $800 Loan Affect My Credit Score?

When you apply through ASAP Finance, there will be no records in your credit report. An $800 loan can only affect your credit score if you pay it late.


What Minimum Credit Score Do I Need to Qualify for an $800 Loan?

We have no minimum credit score requirements. Our lenders accept applicants with different credit histories. However, the higher your credit score, the lower the interest rate you may get.


Is ASAP Finance a Direct Lender?

ASAP Finance is not a direct lender but a connecting service. We’re a platform that makes it easier for a borrower and a lender to meet. We work with trusted and licensed lenders only, so our loans are safe. Our mission is to help you find the best possible option for your situation.

Borrow an $800 loan and receive the money in minutes, making your financial goals a reality.Get the financial boost you need without the hassle of a credit check.Apply Online Now I read and agree to Terms, Rates, Privacy Policy before submitting a loan request.

Written by Gregory Allen

Updated on Feb 5, 2024