How It Works
400paydayloans.com is not a lender and therefore does not make short term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third-party lenders.
Submit Your Information
Our forms are easy, fast, and secure
Quick Decision
No long waiting periods
Funds to You
See the cash in your account as soon as the next business day
You register online
You register online from your home computer or any mobile device. Because the process occurs in real time, it's very fast. If you are connected with a lender you will receive an offer from that lender with the terms and conditions of the loan.
If you agree to the terms (and you may decline them), the money could be available for your use as soon as the next business day.
Independent lenders
Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:
- 18 years of age or older
- Minimum regular income of $1,000 per month
- Valid checking or savings account with direct deposit
- Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is), serving on active duty under a call or order that does not specify a period of 30 days or fewer
Please see our FAQs for more information about the process.