Borrow $800 Loan Online

Written by: Jacob S.

Published on: February 19, 2025

When unexpected expenses arise, getting an $800 loan quickly can provide the financial relief you need. Whether it’s for emergency bills, urgent repairs, or temporary cash flow issues, Simple Fast Loans offers a fast and hassle-free way to secure the funds you need. With our streamlined application process and quick approvals, you can get cash in hand as soon as the same day!

Why Choose Simple Fast Loans for Your $800 Loan?

At Simple Fast Loans, we specialize in providing quick and convenient personal loans designed to fit your needs. Here’s why thousands of borrowers trust us:

Fast approvals. Get an instant decision within minutes.
Same-day funding available. Receive funds directly to your bank account as soon as today.
Easy online application. Apply from the comfort of your home with no long waits.
Flexible repayment options. Choose a plan that works with your budget.
Bad Credit? No Problem! We consider all credit backgrounds.

Eligibility Requirements for a $800 Loan

If you need to borrow $800 today, here is some general information about the loan requirements:

1. Age and Residency

You must be at least 18 years old (or 19 in some states) and a legal U.S. resident or citizen.

2. Income Verification

We require proof of steady income, which can include pay stubs, bank statements, Social Security benefits, or tax returns.
Self-employed individuals may need to provide additional documentation, such as 1099 forms or profit-and-loss statements.

3. Credit Score Considerations

We accept borrowers with poor or no credit history
To help borrowers with unique profiles, we look at other factors, such as employment history and debt-to-income ratio.

4. Bank Account Requirement

A valid checking account is required for loan deposits and automated payments. Some lenders offer cash pickup or prepaid debit card options as alternatives.

Required Documents and Information

To streamline the application process and improve your chances of fast approval, prepare the following documents in advance:

Government-issued ID. A driver’s license, passport, or state-issued identification card.
Proof of income. Recent pay stubs, tax returns, or bank statements showing direct deposits.
Valid bank account details. Used for direct deposit and repayment setup.
Social Security Number (SSN). Required for identity verification and credit checks.

How Long Does It Take To Get Approved?

At Simple Fast Loans, the speed of loan approval and fund disbursement is quick. Here’s a breakdown of the typical timeline:

1. Instant Decision Loans

Simple Fast Loans provides instant decisions through our online platform. If approved, funds could be available on the same business day.

2. Quick Fund Transfers

Same-day funding. If your loan is approved by 2pm Eastern Time, same-day funding is an option for you.
Next business day. The most common processing time for traditional banks and credit unions.

Need $800 Today? Here’s How to Get Fast Cash

If you need $800 immediately, the best solution is a fast loan that provides quick access to cash without unnecessary delays. While several options exist, some can be costly or time-consuming. Below are the fastest ways to secure $800 today—including quick and easy loan options.

1. Personal Installment Loans – Flexible Repayment Options

If you need more manageable repayment terms, an installment loan is a better alternative. Unlike payday loans, installment loans allow you to borrow money and repay over time in scheduled payments. Simple Fast Loans offers quick approval, allowing you to access funds as soon as today.

3. Cash Advance Apps

Apps like Earnin, Dave, and Brigit offer small cash advances against your next paycheck. While they don’t charge traditional interest, they may require subscriptions or tipping fees. These apps usually have lower borrowing limits than payday or installment loans, so they might not cover the full $800.

3. Pawnshop Loans

If you have valuables such as jewelry, electronics, or designer goods, a pawnshop loan offers immediate cash. However, interest rates and fees apply, and failing to repay means losing your item.

4. Borrowing from Friends or Family

If you have someone willing to lend you money, this option avoids interest fees. However, borrowing from friends or family can strain relationships. To keep things professional, consider writing a repayment agreement.

5. Selling Items or Gig Work

If you prefer not to take a loan, consider selling unused items on Facebook Marketplace, eBay, or Craigslist for quick cash. Alternatively, gig jobs like food delivery (DoorDash, Uber Eats) or freelancing (Fiverr, Upwork) allow you to earn money fast.

Need Cash Fast? Apply for Your $800 Loan Today

When you need $800 immediately, a fast loan from Simple Fast Loans can be the quickest solution. With easy online applications, instant approval decisions, and same-day funding, you can get the cash you need without the hassle.

How to Repay a $800 Loan

Repaying an $800 loan efficiently requires planning and discipline to avoid late fees or additional interest. Here are some practical steps to manage repayment successfully:

Create a budget. Allocate funds from your income toward loan repayment by cutting unnecessary expenses and prioritizing debt payments.
Set up automatic payments. Simple Fast Loans offers auto-pay options, which can prevent missed payments.
Look for side income. If you took out this loan for an emergency and it was not budgeted, taking on a temporary gig, selling unused items, or using cashback rewards can help you gather extra funds to pay off the loan sooner.

By staying proactive and making regular payments, you can clear your $800 loan quickly and maintain a healthy credit score.

Other Lending Alternatives

If a traditional $800 loan isn’t the best fit, consider these alternative financing options:

1. Credit Card Cash Advance

If you have a credit card, you can withdraw cash from an ATM or bank branch. While fast, cash advances come with:

High interest rates
Immediate interest accrual (no grace period like purchases)
Cash advance fees (typically 3–5% of the amount withdrawn)

2. Personal Line of Credit (Revolving Credit)

Some banks and credit unions offer a personal line of credit, which functions like a credit card but often has lower interest rates. This option is useful if you anticipate needing funds more than once.

3. Employer Paycheck Advance

Some companies allow employees to access earned wages before payday as an alternative to payday loans. Check with your employer to see if they offer this benefit.

4. Local Assistance Programs

For emergency expenses (e.g., rent, utilities, medical bills), you may qualify for nonprofit grants or low-interest emergency loans from:

Local charities & churches
Community action agencies
Government programs (e.g., Temporary Assistance for Needy Families – TANF)

These programs typically don’t require repayment or charge little to no interest.

Getting an $800 loan is possible through multiple avenues, whether online lenders, credit unions, or alternative financial services. By researching lenders, preparing necessary documents, and exploring alternative options, you can find the best solution to fit your financial needs. Always consider repayment terms carefully to ensure responsible borrowing and avoid unnecessary debt traps.

Useful $800 Resources

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10 things that increase your total loan balance

What's considered a bad credit score?

Getting online loans with bad credit