$400 Loans
Get the Cash You Need, Right on Time
Find trusted lenders offering $400 emergency, installment, and payday loans, even with bad credit. Apply online in minutes.
Decision in 3 minutes¹
Apply online 24/7 in minutes
No upfront fees or hidden costs
Funds from next business day*
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.
Need a $400 Loan Fast? We’ve Got You Covered
When you need $400 in a hurry, every minute counts.
Whether it’s covering an unexpected bill, paying for urgent repairs, or simply bridging the gap until payday, Yup Loans can help you secure a $400 emergency loan quickly and easily.
Even with bad credit, our network of trusted lenders offers flexible options, from $400 installment loans with manageable repayments to $400 payday loans for short-term needs, so you can get the funds you need without unnecessary delays or stress.
Why Choose Yup Loans for a $400 Loan?
When you’re facing a financial gap, speed and simplicity matter most. With Yup Loans, you can go from application to decision in minutes¹—and get connected to lenders who are ready to help.
Here’s what sets us apart:
Fast Decisions — No Waiting Around
Get a loan decision in around 3 minutes¹. Complete our quick online form and we’ll connect you with a lender ready to help you secure the $400 you need.
No Fees, No Hidden Costs
It’s free to use our service, and you’re under no obligation to accept an offer. We believe in transparency, so you’ll see all loan details before you commit.
Flexible for All Credit Types
From good credit to bad credit³, our lender network considers more than just your score. That means more chances to get the funds you need without unnecessary roadblocks.
What You Can Use a $400 Loan For
A $400 loan can be the difference between staying on track and falling behind when life throws you an unexpected expense. Our lenders place no restrictions on how you use your funds, so you can put them toward whatever matters most to you. Common uses include:
- Emergency car repairs or replacement parts
- Covering rent or mortgage shortfalls
- Urgent medical or dental bills
- Utility payments to avoid service interruptions
- Replacing broken household essentials
- Last-minute travel for family emergencies
- School or childcare expenses
Whether it’s a $400 emergency loan for a one-off cost or a $400 installment loan for bad credit to spread repayments over time, you have the freedom to choose how to spend your funds.
How $400 Loans Work with Yup Loans
A $400 loan can be a quick fix for unexpected expenses, giving you the cash you need now and a clear plan for repayment. Our lender network offers both short-term payday options and installment loans you can spread over several months⁴.
1
Apply Online
Fill in our short online form and get matched in around 3 minutes¹.
2
Review Offer
See all terms upfront, including repayment dates and total costs.
3
Get Funds
Approved loans can be deposited as soon as the next business day*.
Can I Get a $4000 Loan with Bad Credit?
Yes, you can get a $400 loan even if your credit score isn’t perfect³. At Yup Loans, we work with a network of lenders who look beyond just your credit history when reviewing your application.
Instead of focusing only on your past, many of our lending partners consider your current ability to repay. That means if you have a steady income from employment, benefits, or other regular sources, you could still qualify for a $400 loan.
Keep in mind that some lenders may perform a credit check as part of the process, and late or missed payments can impact your score. But with clear terms and manageable repayment schedules, you’ll know exactly what to expect before committing.
What Customers Are Saying
“I needed $400 to cover a sudden vet bill, but my credit score wasn’t great. Yup Loans matched me with a lender in minutes, and the money was in my account the next morning. The process was simple and stress-free.”
– Kara, Tampa, FL⁵:
“When my car broke down right before payday, I didn’t have the cash to fix it. Yup Loans connected me with a lender offering an installment plan I could afford. Having the money so quickly meant I could get back to work without missing a shift.”
– Mark, Columbus, OH⁵:
$400 Loan FAQs
How quickly can I get the money?
If approved, you could receive your funds as soon as the next business day*. In some cases, same-day funding may be possible if you apply and complete verification early in the day.
Is there a fee to use Yup Loans?
No. Our service is completely free to use, and you’re under no obligation to accept a loan offer.
Do I need a job to qualify for a $400 loan?
Not necessarily. Some lenders accept alternative income sources such as benefits, disability payments, or self-employment income, as long as it’s regular and reliable.
Will applying affect my credit score?
Some lenders may carry out a credit check as part of the process. This could be recorded on your credit file, and late or missed payments may negatively impact your score.
Get Your $400 Loan Today
When you need $400 quickly, every hour counts. Our simple online form takes just a few minutes to complete¹, and we’ll connect you with lenders who are ready to help.
No fees and no complicated paperwork. Just a fast, straightforward way to find a $400 loan that suits your needs.