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$800 Payday Loan: Fast Financial Solutions for Immediate Needs

Access a $800 payday loan easily with our curated online lender options. Designed for quick approval, even with bad credit, and without the need for credit checks. Our direct lender choices ensure a streamlined process for your urgent financial requirements.
Offers: 2
Best Quick Loan Today 28.02.2024*
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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
100.00 – 2000.00 $

Effective interest rate on the product

0.05 – 2.50 %

Loan term for the financial product

5 days – 3 months
Submit One Loan Application Online!
Submit One Loan Application Online!

Use our quick loan matching system with a free credit check!

Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

(20 Ratings)
Recommended FinScore™

Effective interest rate on the product

from 4.00 %

Loan term for the financial product

to 1 months
$800 Payday Loans Calculator of February 2024

Utilize our Payday Loans Calculator for precise estimates on potential loan amounts, interest rates, and repayment plans in the U.S. An indispensable tool for your short-term borrowing needs.

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The Legal Status of Payday Loans in the USA

A payday loan is an expensive short-term financial solution. Some lenders call it cash advance. Typically, a borrower repays it on their next payday. We recommend getting payday loans only to cover unexpected expenses and emergencies. Each state regulates payday lending to protect its residents from predatory lending. Payday loans amount, interest, and fees must not exceed the value under your state law. More

The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
JG Wentworth
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
OneMain Financial
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
My Funding Choices
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Plain Green Loans
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Advance America
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
$800 Payday Loan: Fast Financial Solutions for Immediate Needs

What are $800 payday loans?

In times of financial need, a $800 payday loan can be a lifesaver. These short-term loans are designed to provide you with immediate access to cash when unexpected expenses arise. Whether it's medical bills, car repairs, or other unforeseen costs, an 800-dollar loan can bridge the gap until your next paycheck.


  1. Speedy Approval Process. One of the most significant advantages of $800 payday loans is their rapid approval process. Traditional loans often involve lengthy paperwork and waiting periods, but payday loans are designed for immediate relief. Many lenders can approve your application within hours, allowing you to access funds quickly.
  2. Accessibility for Bad Credit Scores. Unlike traditional loans that usually have a minimum credit score requirement, payday loans are generally more forgiving of bad credit scores. While some lenders may conduct a credit check, they are often more interested in your ability to repay the loan based on your current income.
  3. Minimal Eligibility Criteria. The eligibility requirements for $800 payday loans are typically straightforward. To qualify, you typically need to provide proof of identity, a valid bank account, and evidence of a steady income source. These requirements make payday loans accessible to a wide range of borrowers.

Pros and cons


Immediate Financial Relief. Get access to the funds you need in a pinch.

Bad Credit-Friendly. A poor credit history doesn't necessarily disqualify you.

Easy Application. Online forms make applying convenient.

Minimal Documentation. You typically only need proof of identity, income, and a bank or checking account.


High-Interest Rates. Payday loans often come with higher interest rates.

Short Repayment Period. You'll need to repay the loan on your next payday.

Potential Debt Cycle. Misuse of payday loans can lead to a cycle of debt.

How to get a $800 payday loan?

Apply For a Loan

  1. Assess Your Need. Determine the exact amount you need to cover your immediate expenses.

  2. Research Lenders. Find a reputable payday lender that suits your requirements.

  3. Check Eligibility. Ensure you meet the lender's criteria, including age, ID, income, and an active bank account.

  4. Prepare Documents. Gather necessary documents like ID, proof of income, and bank details.

  5. Online Application. Fill out an online loan request form on the lender's website.

  6. Specify Loan Amount. Request $800 or your desired loan amount in the application.

  7. Approval. Wait for approval, often within hours.

  8. Review Terms. Carefully review interest rates, fees, and the repayment schedule.

  9. Accept Loan. If the terms are acceptable, accept the loan offer online.

  10. Receive Funds. The lender transfers $800 to your bank account within one business day.


  1. Age. You must be at least 18 years old.

  2. Identification. Provide a valid ID, such as a driver's license or passport.

  3. Income. Prove a steady income source, like employment status or benefits.

  4. Bank Account. Have an active bank account in your name.

  5. Residency. Be a resident of the lender's service area.

  6. Contact Details. Provide accurate contact information, including phone and email.

  7. Credit Criteria. Some lenders may check your credit, so meeting their criteria is important.


  1. Interest Rates. Payday loans come with higher interest rates; understand the APR.

  2. Fees. Be aware of origination, late payment, and NSF fees.

  3. Repayment Date. Repay the loan on your next payday; set up automatic repayment.

  4. Avoid Rollovers. Minimize additional fees by avoiding loan rollovers.

  5. Responsible Borrowing. Use payday loans for essential, unexpected expenses only.

  6. State Regulations. Comply with local payday loan laws and regulations.

Best places to get a $800 payday loan today 28.02.2024

Credit Ninja

Apply For a Loan

Credit Ninja is known for its quick approval process, making it an ideal choice for those seeking immediate financial relief. They also cater to borrowers with less-than-perfect credit scores, providing a range of flexible loan options.Credit Ninja

Check City

Apply For a Loan

Check City is a trusted name in the payday loan industry, offering efficient online application options. They provide a variety of loan options to suit different financial needs, ensuring borrowers can find the right solution for their situation.Check City

Cash Central

Apply For a Loan

Cash Central stands out for its competitive interest rates and convenient online application form. They prioritize customer convenience, making it easy to secure a payday loan when you need it most.Cash Central

Check 'n Go

Apply For a Loan

Check 'n Go is recognized for its transparent terms and hassle-free online application process. They offer borrowers a range of loan options, helping you choose the one that best fits your financial requirements.Check 'n Go


Apply For a Loan

Moneytree is a reputable lender that offers competitive interest rates and an easy-to-use online application form. They aim to provide borrowers with quick access to the funds they need during financial emergencies.Moneytree

ACE Cash Express

Apply For a Loan

ACE Cash Express is known for its instant decision process, ensuring you don't have to wait long for loan approval. They offer a range of financial services, including payday loans, making them a one-stop solution for your financial needs.ACE Cash Express

Advance America

Apply For a Loan

Advance America is a direct lender, that provides a variety of loan options, including payday loans, with a focus on customer convenience. Their user-friendly online application and quick approval process make them a go-to choice for borrowers.Advance America

Ways to receive the money

Most reputable lenders offer multiple ways to receive your $800 payday loan, including direct deposit to your bank account or providing a check.

Things to pay attention to

  1. State Regulations. Payday loan regulations vary by state, and some states have stricter regulations than others. Familiarize yourself with the laws and regulations governing payday loans in your area to ensure you're working with a compliant lender.
  2. Interest Rates. The interest rate, often expressed as the Annual Percentage Rate (APR), determines how much you'll pay in interest on your loan. Payday loans typically have higher interest rates than traditional loans, so it's crucial to understand the specific rate and how it affects the total repayment amount.
  3. Fees and Charges. Payday loans may come with additional fees, such as origination fees, late payment fees, and non-sufficient funds (NSF) fees. Carefully review the fee structure outlined by the lender to avoid unexpected costs.
  4. Loan Renewal Options. Some lenders offer loan renewal or rollover options, which can extend the loan term but may result in additional fees and interest. Assess the implications of renewing the loan before making a decision.

How to repay a $800 payday loan?

  1. Review Loan Agreement. Carefully review the loan agreement you signed when you initially received the loan. Pay attention to the repayment date and the total amount due.

  2. Mark the Due Date. Note the due date on your calendar or set a reminder on your phone to ensure you don't forget the repayment date.

  3. Funds Availability. Make sure you have enough funds in your bank account to cover the loan amount, including fees and interest, on the due date.

  4. Automatic Repayment. Most payday lenders set up automatic repayment. On the due date, they will withdraw the agreed-upon amount directly from your bank account. Ensure the funds are available to avoid late fees or overdraft charges.

  5. Communication. If you anticipate any issues with repayment, such as insufficient funds in your account, contact your lender as soon as possible. They may offer options like extending the loan term, but this can result in additional fees.

  6. Partial Repayment. If you can't repay the entire loan amount on the due date, inquire with your lender about making a partial payment. This can help reduce the overall cost of the loan.

  7. Avoid Rollovers. While some lenders offer loan rollovers, it's generally advisable to repay the loan in full on the due date. Rollovers can lead to additional fees and interest charges, potentially trapping you in a cycle of debt.


Apply For a Loan

  1. Payday alternative loans (PALs) are a regulated and more affordable alternative offered by federal credit unions. They're designed to provide a safer borrowing option for individuals facing financial emergencies. PALs typically come with lower interest rates and more extended repayment terms compared to traditional payday loans. To access a PAL, you usually need to be a member of a credit union for at least one month, making it a viable option for those looking to build a stronger financial foundation while addressing their immediate needs.

  2. Credit builder loans are crafted to help individuals improve their credit scores over time. These loans require borrowers to make regular payments into a dedicated savings account, which they can access once the loan is fully repaid. The positive payment history established through credit builder loans can enhance your creditworthiness, making it easier to access more favorable credit options in the future and break the cycle of payday loans.

  3. Secured personal loans are backed by collateral, such as a savings account, vehicle, or valuable assets. Because they carry less risk for lenders, secured loans often come with lower interest rates than payday loans. However, borrowers should exercise caution when considering this option, as defaulting on the loan could result in the loss of the collateral. Secured loans are best suited for those with assets they can use as security and who are committed to responsible repayment.

  4. Personal installment loans provide a more flexible and cost-effective alternative to payday loans. These unsecured loans come with fixed monthly payments and typically offer more reasonable interest rates and longer repayment terms. Borrowers can use personal installment loans for various financial needs, including covering unexpected expenses, consolidating high-interest debt, or addressing urgent financial issues. They provide a structured and manageable way to access funds without the risk associated with payday loans.

Editorial opinion

In evaluating payday loans and their alternatives, it is evident that payday loans, with their high interest rates and short repayment periods, can pose significant financial risks for borrowers. While they may offer quick access to cash, their potential to trap individuals in a cycle of debt is concerning. The industry has also faced criticism for targeting vulnerable communities with limited access to traditional financial services. As such, exploring alternative credit options is a prudent choice for borrowers seeking financial assistance. Payday Alternative Loans (PALs) and Credit Builder Loans, in particular, stand out as more responsible choices. PALs, offered by federal credit unions, provide borrowers with lower interest rates and more favorable terms, offering a safer way to address immediate financial needs. Credit Builder Loans, on the other hand, not only offer financial relief but also the opportunity to rebuild credit, fostering long-term financial stability. Both options encourage responsible borrowing and financial growth. Additionally, securing loans with collateral or considering personal installment loans can provide a safer route to access funds. These alternatives offer more manageable interest rates and longer repayment terms, reducing the risk of borrowers falling into a cycle of debt. In sum, our editorial opinion underscores the importance of examining alternatives to payday loans, considering the long-term financial impact, and choosing options that prioritize responsible lending and financial well-being.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.
  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.
  3. Carefully review all the terms and conditions of your payday loan contract.
  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.
  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.
  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.


At Finanso, we've carried out a comprehensive analysis of over 100 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

Additional resources

To learn more about online payday loans and best practices, check out some of the following resources:



Can I get a $800 loan online?

Yes, you can typically obtain a $800 loan online through various lenders, including online payday loan providers, credit unions, and personal loan companies. Online lenders offer the convenience of applying from the comfort of your home, with a straightforward application process. However, eligibility requirements and interest rates may vary among lenders, so it's essential to compare options and choose a reputable lender with terms that suit your financial situation.

Can I get a $800 loan with bad credit?

Yes, it is possible to secure a $800 loan even if you have a bad credit score. Many lenders, including some payday lenders, specialize in providing loans to individuals with poor credit histories. However, keep in mind that loans for bad credit often come with higher interest rates to offset the increased risk for the lender. To improve your chances of approval and potentially secure more favorable terms, consider exploring alternatives like credit unions or credit builder loans, which may be more accommodating to borrowers with poor credit.

Can I get same-day $800 payday loans online?

Yes, you can find lenders offering same-day $800 payday loans online. These lenders understand the urgency often associated with payday loans and strive to provide quick access to funds. To increase your chances of same-day approval and disbursement, ensure that you meet the lender's eligibility criteria, have all the required documents ready, and submit your loan application early in the day to allow for processing. It's important to note that while same-day approval is possible, the actual time it takes to receive the funds may depend on the lender's policies and your bank's processing times.