Is there a hard credit check for an $800 loan?

No—only a soft inquiry may be used to verify information and won’t affect your score.

How quickly can an $800 loan fund?

Same-day deposit may be possible when approvals meet bank cutoff times; otherwise next business day.

Can I repay the $800 loan early?

Yes. There are no prepayment penalties; early payoff can reduce interest.

What do I need to apply for an $800 loan?

Proof of income, government-issued ID and SSN (as required by law), and an active checking account in your name.

$800 Loan Online | Direct Lender, No Hard Credit Check

What Is an $800 Installment Loan? (Online, Direct Lender)

An $800 installment loan covers mid-size expenses—car repairs, overdue utilities, or medical co-pays—without a lump-sum payday payoff. Apply online in minutes and see clear terms before you accept. We assess income and ability to repay (not just a score). If approved, funds are sent by direct deposit; your bank’s cutoff determines how fast they post. Start your application and review pricing anytime on Rates & Terms.

When an $800 Loan Makes Sense

An $800 loan is a smart middle ground when $300–$500 won’t cover it, but $1,000+ feels excessive. It fits one-time needs you want to spread over a few months with predictable monthly payments. Because we use a soft inquiry (no hard pull), applicants with limited or rebuilding credit can still be considered. Check Rates & Terms to estimate payments before you accept.

How to Apply for an $800 Loan Online (Step-by-Step)

Complete a short, secure form with your income and checking-account details. We quickly review your ability to repay and present a straightforward offer. If you accept, we trigger direct deposit to your bank. Posting speed depends on your bank’s same-day cutoff and processing windows.

Fill out the online form (minutes)
Get a fast decision
Accept the offer and e-sign
Receive funds by direct deposit

Eligibility & Documents for an $800 Loan

Qualifying is simple and built around verifiable income and an active checking account. We don’t perform hard credit checks; a soft inquiry may be used to confirm information. Exact availability and terms depend on your state and eligibility.

18+ badge icon representing minimum age requirement

Be at least 18 years old

Bank card and phone representing active checking account with ACH/direct deposit

U.S. citizen or permanent resident

Verifiable regular income

Have a steady employment or income source

Active checking account (ACH/direct deposit)

Valid contact details

$800 Loan Costs & Terms (APR, Fees, Repayment)

We publish transparent pricing so you can compare before you commit. APR up to 35.99% with 61–12 month terms based on eligibility and state rules. There are no prepayment penalties, and a $20 NSF fee may apply for returned payments. Paying early can reduce interest.

APR up to 35.99%
Terms 61–12 months
No prepayment penalties
$20 NSF may apply (returned payments)

Funding Speed for $800 Loans (Same-Day Possible)

Funding speed depends on approval time and your bank’s posting schedule. Same-day deposit is possible when approvals finalize before your bank’s cutoff and the bank posts the same day. Approvals after hours, weekends, or holidays usually post the next business day. We’ll send email and portal updates so you know when to expect funds.

Same-day possible when bank cutoff is met
Next business day typical after hours/weekends/holidays
Email/portal updates on status

Representative Example — $800 Loan

An example $800 loan repaid over 6 months at 35.99% APR results in 6 payments of $147.70 (total $886.20). Your actual APR, term, and payment schedule may differ based on eligibility and state rules. Review Rates & Terms before accepting any offer.

FAQs: $800 Loans

Get quick answers about $800 installment loans—from credit checks to funding speed and early payoff. We’re a direct lender that uses a soft inquiry (no hard pull); same-day deposit may be possible depending on your bank’s cutoff.

1. Do you run a hard credit check?

No—only a soft inquiry may be used and won’t affect your score.

2. How fast can an $800 loan fund?

Same-day deposit may be possible (bank cutoff applies); otherwise next business day.

3. Can I repay my loan early?

Yes. There are no prepayment penalties, and paying early can save you interest.

4. What do I need to apply?

Proof of income, ID/SSN (as required by law), and an active checking account.

Check your $800 loan options — fast decision & direct deposit.

Footnote: Same-day deposit depends on bank cutoff and posting times; most others post next business day.

Same-day deposit possible; most others fund next business day.

Apply For a Loan

Applying Does NOT Affect Your Credit Score

CashUSAToday collects all the necessary data concerning the credit history of loan applicants from a third party source, and not from any of the major credit bureaus, namely Experian, Equifax or TransUnion.

CashUSAToday is a brand of Silver Financial Capital. We offers products created specifically to meet your short term borrowing needs only. Our system automatically verifies your application, and the approval/rejection and the time taken in the process are determined by the information provided through the application form. We do not guarantee approval if your information lacks authenticity. How much you qualify for also determined by your repayment capability based on your income status- apart from state laws. Remember that applications that are submitted post 6:00 PM CST are reviewed on Monday- or the next business day if it happens to be a holiday.

The cost of this type of borrowing can be high. They should not be considered a choice for long-term borrowing. These lines of credit or loans are usually used to cover unforeseen expenses such as car repairs, travel, medical bills, or other essential expenses. It is important to consider alternative credit options, such as credit card cash advances, personal loans, home equity lines of credit, existing savings, or borrowing from friends or relatives, as they may be cheaper, more convenient, and best suited for your financial situation.

For any kind of help regarding our products and services, you may contact our team. Phone number: (800) 953-8114, Email:- support@cashusatoday.com.

* I have read and understand the Terms and Conditions & Privacy Policy of this loan. All loans financed by CashUSAToday

Footnotes: *We just charge interest rate under APR with no other charges. There is however NSF of $20 for returned payment. No fee for paying off your loan early.