Borrow $1,000 Loans Now - Apply Today!

Are you looking to borrow $1,000 quickly today? Click "Get Started" and apply now using our completely online instant form that will get you your money in your bank account within 24 hours.

Representitive Example: Borrowing $1000 over 2 months at a 400% Annual Percentage Rate (APR) would result in two payments of $577.25, with a total repayment of $1154.50.

How To Apply To Borrow $1,000 Loan


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Apply for $1000 in less than 5 minutes from the comfort of your home.

Immediate Decision

You'll get an instant on-screen decision about whether you have been approved or not.

Get Your $1000

Your $1000 will be in your bank account the very next day.

How Can I Borrow $1,000 Today?

If you need an $1000 loan then Capital Bean can help you find it today. You might need financial assistance for various situations, and so we will link you with lenders tailored to your borrowing needs. This includes personal, business, or emergency expenses.

When applying for a loan, lenders will evaluate your age, location, credit score, employment status, income, and ability to repay. The specific criteria will depend on the type of loan you request and the lender’s preferences. For example, if you opt for a no-credit-check loan, lenders may concentrate on other aspects or suggest using collateral instead.

If you’re only looking to borrow $1,000 you’ll usually take out an unsecured personal loan. A loan like this is sometimes easier to get than other types as it usually doesn’t involve securing the loan against another asset. This means that whoever you borrow the money from will only consider your credit history when determining the loan terms. This does not always mean that it’s straightforward and simple to get a loan. They may ask for various documents and personal identification depending on who you work with.

Can I Get A $1,000 Loan From A Bank?

Borrowers need to remember that borrowing $1000 from any financial institution means they will make a judgment on your ability to repay any loan from your finances and personal situation. Capital Bean works with lenders that consider all types of credit history. Good and bad. Personal loans are not always difficult to obtain because most lenders have a more relaxed process than secured products and ask you for name, address and other personal details. However, the larger the amount you want to borrow, the more details the borrower might ask them. 

What Are The Different Types Of $1000 Loans?

A $1,000 personal loan is defined as a loan that you borrow from a credit union, financial institution, or bank. You will borrow money over a period that is usually fixed in length (e.g. 12, 24 or 36 months). At the end of this fixed term you will have repaid the total amount of money that you’ve borrowed.

$1000 Secured Loans

Secured loans are different to unsecured loans because they require the borrower to provide some sort of collateral or capitalization for the loan. The lender can take possession of any type of collateral you’ve put up if for any reason you cannot repay your loan. This collateral might be in the form of equity in your home, other valuables or savings that you might have put away in the form of personal assets.

Title Loans

A title loan is a type of collateral-based financial service. A title loan allows customers to obtain funds by using the title of their vehicle as security. This method enables individuals to borrow between 25 to 50% of their vehicle’s total value.

Installment Loans

By breaking up repayments into fixed installments, installment loans provide borrowers with greater convenience than paying off the entire loan amount in one go.

Each installment usually comprises a portion of the total loan amount plus interest. The amount repaid per installment is influenced by various factors, such as the loan’s total amount, duration, and agreed on interest rate.

I Want To Borrow Less Than A $1,000 Loan – Is This Possible?

Yes – it is possible to borrow $1000 or less. Most borrowers borrow anywhere between $100 and $35,000. If you’re looking to borrow less than this it might be better to look to a bank or a financial institution in your area.


Why Would I Apply For $1,000 Loans With Capital Bean?

Capital Bean can find you the best possible $1000 loan if you want excellent terms. We work with trusted partners who make up our lending panel to ensure we find you on the right loan. We appreciate how challenging it can be to find a loan that works for you especially if time is of the essence. This is why at Capital Bean we work hard to make the process as quick and simple so that you get your money as quickly as possible.

Our technology-backed platform offers one of the most efficient and quick ways to get a loan and borrow money online.

Applying online is completely free and at Capital Bean we make sure to not have any hidden costs that will surprise you. When you successfully get the money in your bank account we make commission from the lenders we partner with. This keeps the costs as low as possible for you – the borrower.

Am I Eligible To Borrow $1,000?

When you apply for a $1,000 loan the lender will look at a number of eligibility criteria. These are the minimum requirements needed to borrow money. You must be:

  1. Over 18 years old
  2. US Resident
  3. Make over $800 per month
  4. Be in regular employment
  5. Have an active bank account
  6. Active cell phone number

How Do I Make Repayments On A $1,000 Loan?

When you take out a $1,000 loan the repayments are set over a period of months that you decide with the lender. For example, you might decide to pay back your loan over 6 months. In this case the loan term would be 6 months. When you take out the loan you will decide which date you want the money to leave their account each month.

Most borrowers set that date as the last day of every month, or for a date right after they receive their paycheck. 

The monthly repayments will be the same every month which will come directly out of your checking account.

If you do want to pay the loan back early this is a possibility. Before doing this it’s always worth checking with your lender to see if they have any special terms and conditions that might impact your ability to pay back the loan early.


Can I Borrow $1,000 If I Have Bad Credit?


Yes – there are options to borrow $1000 for people who have very bad credit. The lenders we work with are open to reviewing applications from individuals with varying credit backgrounds. A stable income from full-time employment is beneficial and will be verified during the application process.

Occasionally, lenders may offer extended repayment terms, ranging from 12 to 48 months. This enables borrowers to spread their payments over an extended period, lowering monthly payments. This will help improve your credit score and rating, increasing your likelihood of qualifying for better rates. Alternatively, secured loans are also available, backed by property or other assets you possess.

Make sure you are aware of the laws, regulations and your rights surrounding borrowing in your state. Capital Bean operates in all states where payday loans are legal and can help you find a $1,000 loan near you.

FAQs For $1000 Loans

What if I can’t make a repayment one month?

If for whatever reason you cannot make a loan installment one month you might be charged a penalty or late fee for this. There’s also the danger that if you miss payments your credit score could be damaged. This is why it’s always important to make sure you can afford the repayments on any loan that you take out. It’s also important to let the lender know if you think you’re going to miss a repayment.

If you let the lender know that you might miss a repayment they might be able to work something out with you.

I’ve worked with lenders before – is Capital Bean a direct lender?

No, Capital Bean is not a direct lender but instead acts as a broker, connector or introducer service. We work with a number of lenders to make sure to introduce you to the one that works best for your circumstances. Over the years we’ve helped thousands of people meet the right lender for them at the right time. We never charge any fees to our borrowers, only taking a small commission from the lender if your loan application is successful.

Where in the US does Capital Bean operate?

  • Alabama

  • California

  • Colorado

  • Florida

  • Illinois

  • Indiana

  • Iowa

  • Kentucky

  • Louisiana

  • Ohio

  • Tennessee

  • Texas

How long does it take to apply with Capital Bean?

Our online technology driven loan request application only takes 5 minutes to complete. After you’ve submitted all your information including your name, address and employment status then you’ll receive a quick decision from the lender, in most cases it’s instantaneous. If you are successful then the money can be in your account in under a day.

How Much Does It Cost To Borrow $1000?

If you borrow $1000 at 250% Annual Percentage Rate (APR) over a 3-month period you would need to make three payments of $461.69, with a total repayment of $1385.06.