$500 Personal Loans
Quick cash solutions when you need a boost.
Cover unexpected expenses with a $500 loan, even if your credit history isn’t perfect.
Get a decision in 3 minutes¹
$500 loans for all credit types³
No upfront fees or costs
Use funds however you like
Representative Example: $3,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers2. Loan term lengths from 3 to 36 months for qualified consumers.
Quick $500 Loan Support When It Matters
Sometimes $500 is the difference between keeping life running smoothly and falling behind. Whether it’s a utility bill deadline, an unexpected doctor’s visit, or covering the gap before your next paycheck, a $500 personal loan can provide that extra cushion right when you need it.
Yup Loans makes the process straightforward. Instead of applying at multiple places and waiting for rejections, you’ll complete one secure form and get matched to lenders ready to help, including those open to working with borrowers with bad credit or no credit3.
Decisions take minutes¹, and if approved, funds can be sent straight to your bank as soon as the next business day*. It’s a way to cover urgent costs without adding more stress to your plate.
Why Choose Yup Loans for $500 Loans?
Borrowing $500 shouldn’t feel like a struggle or come with extra hoops to jump through. At Yup Loans, we’ve designed the process to be simple and stress-free – connecting you with lenders quickly, without judgment or pressure.
Quick Decisions
Skip the long wait times. With Yup Loans, most applicants receive a decision in around 3 minutes¹.
Clear Terms, No Hidden Fees
Every loan offer comes with upfront details about repayment, APR, and total cost. No surprises down the road.
Flexible Repayment Options
Most $500 loans can be repaid in manageable monthly payments, with loan terms typically ranging from 3 to 36 months.
When Is a $500 Loan the Right Choice?
Sometimes it doesn’t take a huge loan to make a big difference. A $500 personal loan is ideal for handling the kinds of expenses that pop up suddenly, important enough that you can’t push them off, but small enough that you don’t want to commit to years of repayments.
Borrowers often choose a $500 installment loan when they:
- Need quick financial breathing room without overborrowing
- Want a short-term solution that fits comfortably into their budget
- Prefer repayments that can be cleared in a few months instead of dragging on long term
A $500 loan can help when you’re:
- Paying overdue utility or internet bills to avoid service shutoffs
- Covering home repairs or urgent maintenance
- Managing rent or housing costs during a tough month
- Handling unexpected medical, dental, or vet visits
- Buying groceries or replacing essential household items
- Funding last-minute travel for family emergencies
Because of its size, a $500 loan is usually faster to repay, lighter on your finances, and more accessible for people with poor credit. With lenders in our network offering flexible installment options, you can find repayment terms that fit your situation without added stress.
How $500 Loans Work with Yup Loans
1
Fill Out Our Simple Form
Share a few basic details about yourself and your loan needs. The application process only takes around 3 minutes¹.
2
Review Your Loan Offer
You’ll receive a loan offer with clear loan agreement terms, including the repayment schedule, APR, and total cost if approved.
3
Get Your Funds
Once you accept, the money is sent straight to your bank account – often as soon as the next business day*.
Can I Get a $500 Personal Loan With Bad Credit?
If you’ve got a low credit score, it won’t stop you from getting a $500 personal loan. Many lenders in our network focus on your current financial situation rather than your past³. They look at things like your income, banking history, and overall ability to keep up with repayments.
You may still qualify if you have:
- Steady wages from a job (full-time, part-time, or seasonal)
- Government benefits, like Social Security or disability payments
- Income support, like unemployment or workers’ compensation
- Earnings from self-employment, freelance, or gig work
- Retirement or pension income providing regular deposits
Even if banks have said no, you could still be approved for a $500 loan with bad credit. With clear terms and straightforward repayment plans, many borrowers find this option easier to manage than payday advances or revolving credit. Funds are often available as soon as the next business day*.
What Customers Are Saying
“I needed $500 to cover a surprise car repair, and I didn’t think I’d get approved with my credit. Yup Loans matched me with a lender in minutes, and I had the money the next day. It saved me from missing work.”
– Angela, Dallas⁵:
“An unexpected medical bill threw my budget off. The $500 loan I got through Yup Loans gave me a simple repayment plan instead of having to pay it all at once. It made things a lot less stressful.”
– Marcus, Cleveland⁵:
$500 Personal Loan FAQs
How fast can I get a $500 loan?
Most applicants get a decision in around 3 minutes¹. If approved, funds are usually deposited into your checking account as soon as the next business day*, though timing depends on your lender and bank.
Will lenders run a credit check when I apply for a $500 loan?
Submitting your request through Yup Loans doesn’t affect your credit score. However, individual lenders may perform a hard credit check before final approval, and this could temporarily impact your score.
Do I need collateral for a $500 loan?
All loans available through Yup Loans are unsecured, which means you don’t need to put up your car, savings, or any other asset as security. Approval is based on your income and your ability to repay, not on collateral.
Is there a hidden fee for a $500 loans?
There are no hidden fees or costs when you apply for a $500 loan through Yup Loans. All lenders in our network will provide clear, upfront information about the terms of the loan including any fees or costs, before you accept their offer3.
Get Your $500 Loan Today
Don’t let a short-term expense throw your plans off track. With Yup Loans, you can connect to trusted lenders, review your options in minutes¹, and get funds deposited as soon as the next business day*.
No hidden fees, no endless paperwork – just a simple way to find the $500 personal loan that fits your budget.