$300 Loans
Get the cash you need without the credit stress.
Connect with lenders who understand that small emergencies need quick solutions, regardless of your credit history.
Instant approval decisions*
$300 loans for all credit types
No hidden fees or surprises
Choose your repayment plan
Representative Example: $1,000 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 $300 Loan Solutions When You Need Them Most
Minor financial emergencies don’t wait for payday. Whether it’s an unexpected expense, car trouble, or just running short before your next paycheck, a $300 loan can bridge the gap without breaking your budget.
We connect you with lenders who specialize in smaller loan amounts for borrowers of all credit levels3, so you can skip the awkward conversations at traditional banks or credit unions. Get connected with a $300 loan option in minutes, with potential same-day funding available*.
Why Choose a $300 Loan Through Yup Loans?
Getting a $300 loan shouldn’t involve long waits or complicated approval processes. We’ve designed our service to make small-dollar borrowing fast, simple, and stress-free for anyone who needs to get a loan quickly*.
Streamlined Application Process
One simple form connects you with multiple specialized lenders instantly. No branch visits, no lengthy phone calls, no redundant applications.
Trusted Lender Partners
We work with established lenders who focus on smaller loan amounts and understand urgent cash needs, including those with bad credit. More choices mean better odds of finding the right fit3.
Clear Terms and Fast Funding
Our lending partners provide transparent loan agreement details upfront, so you know exactly what you’re agreeing to. Once approved, you’ll receive funds quickly* with flexible repayment terms that work with your budget.
When Is a $300 Installment Loan the Smart Choice?
A $300 loan is perfect for covering small but urgent expenses that can’t wait until your next payday. It’s large enough to handle real emergencies while staying manageable for quick repayment.
People commonly use this for:
Immediate Needs
- Overdraft protection and bank fees
- Prescription medications or urgent medical costs
- Small car repairs or towing fees
- Utility bills to avoid disconnection
Short-Term Gaps
- Groceries and essentials between paychecks
- Gas money for work or appointments
- School supplies or unexpected fees
- Pet care or minor vet visits
Quick Fixes
- Phone or laptop repairs
- Work uniform or equipment replacement
- Last-minute travel for family situations
- Avoiding late fees on rent or bills
Unlike high-fee payday advances that can trap you in debt cycles, our lenders offer structured repayment with predictable payments4.
How Our $300 Loan Matching Works
1
Complete Our Quick Form
Share basic details about your income and loan needs. It takes less than 3 minutes1, and there is no credit check needed to get started.
2
Compare Your Matches
We instantly connect you with multiple lenders who work with your credit situation. Review terms and choose the best fit for your budget.
3
Receive Your Money
Once you accept an offer, funds are transferred directly to your bank account – often within hours*.
Can you get a $ 300 loan with no or bad credit?
Your credit score shouldn’t determine whether you can handle a financial emergency. Many Americans have credit challenges due to circumstances beyond their control – medical debt, job loss, or simply starting out financially.
We partner with lenders who evaluate $300 loan applications based on your current situation, not just your credit report3.
Our lending partners look at factors like:
- Current monthly income from any source
- How long you’ve had your bank account
- Your ability to repay based on expenses
- Employment or benefit payment history
You can qualify with various income types:
- Full-time, part-time, or seasonal work
- Social Security or disability payments
- Unemployment or workers’ compensation
- Self-employment or gig work income
- Retirement or pension benefits
The focus is on showing you can manage the payments within your current budget4.
What Customers Are Saying
“Unexpected medical bills left me short on rent money. The $300 loan I got through Yup Loans let me pay it back over 4 months instead of all at once like a payday loan.”
– Jennifer, Tampa⁵
“I needed $300 to fix my car so I wouldn’t miss work. My credit isn’t great, but Yup Loans found me a lender who approved me within minutes. Had the money the same afternoon.”
–Carlos, Denver⁵
$300 Personal Loan FAQs
Are there any hidden fees for a $300 loan?
No, there are no hidden costs or fees when you apply through Yup Loans. All lenders in our network must provide clear, upfront disclosure of all costs and fees before you accept any offer.
How fast will I get my possible loan?
Most applicants receive approval decisions within minutes of submitting their application. If approved, funds are typically deposited into your bank account within one business day*, though timing can vary depending on your specific lender and bank processing times.
Will applying for a $300 cash loan impact my credit score?
Submitting your initial application through Yup Loans uses only a soft credit inquiry that won’t affect your score. Individual lenders may perform a hard credit check before final approval, but you’ll be notified before this happens.
Which is better: a cash advance or a personal loan?
A $300 cash advance is the same as a payday loan, which must be paid back in full by your next payday (2-4 weeks). A $300 personal loan offers installment payments over several months, and generally has lower fees and more manageable payment schedules.
Ready for Your $300 Loan?
Don’t let a small financial gap create bigger problems. If you want to avoid a $300 payday loan online and prefer the flexibility of a $300 installment loan, our network has options for your situation.
You can apply online in minutes, there’s no upfront costs, and you could have funds in your account today*.