Get an $800 loan online with easy monthly payments

Eight hundred dollars is too much to pay back from one paycheck for most people, and too little for a bank to bother with. An online $800 loan with monthly payments fits right in that gap.

What is an $800 loan?

An $800 loan is a small personal installment loan. You receive the full amount at once and repay it in equal payments, usually over 3 to 12 months. Because $800 is above the single-payment payday limit in most states, lenders almost always offer it in installments, which keeps each payment manageable. A few states, such as Indiana with its $825 cap, allow payday loans close to this size, but even there many borrowers prefer to spread the cost.

Like other online loans, an $800 loan is approved mainly on your income and checking account, not only on your credit score. You can request it in minutes and receive the money by direct deposit, often the next business day.

How to get an $800 loan online

1. Request $800, or the exact amount between $600 and $900. Borrow the bill total, not a round number, to keep payments lower.
2. Add your monthly income and expenses. Lenders check that a payment of about $80 to $150 a month fits after rent and other debts.
3. Choose between a shorter and a longer schedule. Compare the payment and the total for each term offered.
4. Sign and receive the money. The $800 is deposited to your checking account, usually by the next business day.

$800 loan payments by term

Equal monthly payments at 36% APR, shown for comparison. Your offer sets the actual APR and term.

Example

$800 for a car repair

$800Today→$147.68Per month×6Months

The repair is paid this week, and the loan is cleared in half a year with $86.08 in interest at 36% APR. A nine-month plan would cut the payment to $102.75.

Need $600, $700 or $900 instead?

Every $100 you do not borrow saves you about $18 a month on a six-month plan. Get the exact bill amount first, then request that figure rather than rounding up to the next hundred.

I need 800 dollars now: the fastest route

If you need 800 dollars now, apply early on a weekday with your latest pay stub or bank login ready, because amounts near $1,000 sometimes need one quick income check. Accept the offer as soon as it appears. Lenders that use Same Day ACH can fund morning approvals the same day; others fund the next business morning. A debit card push, where offered, can deliver it within minutes. Weekend requests are usually funded Monday. Timing details are on our same day loans page.

What people use $800 for

$800 payday loan or $800 installment loan?

Where state law allows it, an 800 payday loan would be repaid in one payment of around $920 at a $15-per-$100 fee, which is a big bite out of one paycheck. An installment loan for the same amount spreads the cost: about $148 a month over six months at 36% APR, with less paid in total in this example. For most budgets, the installment version is the safer choice. See installment loans for more on how they work.

Where to get $800 quickly

Banks rarely lend as little as $800, and when they do, they usually want good credit and several days. Credit unions may offer payday alternative loans if you are already a member. Cash advance apps seldom go this high for new users. That leaves online installment lenders as the most practical source for most people: they lend $600 to $900 every day, decide in minutes and fund by the next business day. A single form on our site puts your $800 request in front of several of these lenders together.

$800 loan with bad credit

You can request $800 with bad credit. Lenders in our partners' network look first at your income, how long you have had it and how your checking account is managed. Many make a decision without a hard pull from the big three bureaus. With a low score, you may be offered $500 to $700 at first, or a higher APR; repay on time and larger amounts usually follow. See bad credit loans for how lenders weigh low scores.

Tips to get approved for $800

• Pick a term that keeps the payment under about a tenth of your monthly take-home pay.
• Include every regular income source, from second jobs to benefits.
• Keep your checking account positive in the weeks before you apply.
• Pay off any open payday loan first if you can.
• If offered $600 or $700, accept it if it covers the bill and ask for more next time.

$800 loan requirements

• Over 18 and a resident of a state the lender serves.
• A monthly income that comfortably covers the payment.
• A checking account with your pay or benefits deposited.
• Photo ID, Social Security number, phone and email.

Income requirements are moderate. Lenders typically want the payment to be a small share of your take-home pay, so a longer term can help if your income is modest.

How lenders decide on $800

At this size, lenders look a bit more closely than for $300. They compare the payment with your income and existing debts, check how regular your deposits are and look for frequent overdrafts. Some ask for a pay stub or a quick bank login. If your request is declined, try a lower amount or a longer term; both make the payment easier to approve.

$800 with no hard credit pull

Many lenders make an $800 offer based on income and bank data without a hard inquiry at Equifax, Experian or TransUnion. Your FICO score is not affected by checking. If a lender needs a full credit report before finalizing a loan of this size, it tells you first, so you can decide. Read more under no credit check loans.

$800 on benefits or self-employment

Social Security, disability, pension and unemployment income all count with many lenders, as long as it is deposited to your account. Self-employed borrowers and gig workers can qualify with a few months of bank statements showing steady income. Match the payment date to the day your money arrives each month so the debit never lands on an empty account.

$800 loan vs. a credit card

A credit card can cover $800 instantly if you have that much available credit, and if you can clear it within a month or two, it may cost less. But card balances have no end date, and paying only the minimum can stretch an $800 balance for years. An installment loan has a fixed payment and a fixed payoff date, so you know exactly when you will be done. If you do not have an open card with room, an $800 loan is the straightforward option.

Pay off early, pay less

Most installment lenders charge simple interest on what you still owe and do not charge a prepayment penalty. If extra money comes in, such as a tax refund or overtime, put it toward the loan. Paying an $800, nine-month loan off in five months cuts the interest noticeably. Ask the lender for an exact payoff figure before you pay.

Is $800 a good first loan?

If you have never borrowed online before, lenders may start you a little lower, often $500 to $700, while they get to know you. That is normal. If the smaller amount covers your bill, accept it and repay on schedule; after a few on-time payments many lenders invite you back for a larger amount at a better rate. If you truly need the full $800 now, a longer term with a smaller payment makes approval more likely.

Repaying an $800 loan

Payments are debited automatically each month, or every two weeks if the lender matches your pay schedule. Pick a date just after your payday. If money is tight one month, call the lender before the due date; many offer a one-time deferral or a date change. On-time payments may be reported to the credit bureaus, which can help your score.

$800 loans by state

State rules shape how an $800 loan is offered. Indiana allows payday loans up to $825, Ohio allows short-term loans up to $1,000 repaid over at least 91 days, and Minnesota allows short-term loans up to $1,300 under a 50% APR cap. In New York, licensed installment loans are capped at 25% a year. See the state rules table.

After you apply for $800

Your request goes to lenders in our partners' network immediately. A lender that can help sends you an offer with the amount financed, APR, monthly payment, number of payments and total. If you get more than one, compare the totals. After you e-sign, the money is scheduled for deposit. If no offer fits, close it; there is no fee.

Borrowing $800 safely

A legitimate lender shows its name, the APR and the full schedule before you sign and never asks for money upfront. Do not share your online banking password, and walk away from anyone who pressures you to sign immediately. Sending a request on Payday Online US costs nothing, and your details travel over an encrypted connection.

Other amounts

Need less? See a $500 loan. Need more? See a $1,000 loan or a $2,000 loan. Facing an urgent bill? See emergency loans, or start with payday loans online.