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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.

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

How To Apply For A $1,000 Payday Loan


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How Can I Borrow $1,000 Today?

A $1,000 personal loan is defined as a loan that you borrow from a credit union, financial institution or a bank. You will borrow money over a period of time that is usually fixed 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. You normally take out a personal loan to fund a personal home project, unexpected expenses or even to consolidate debt that you have from other lenders. When most people think about borrowing money they think about a large amount like a mortgage. This association is normal. But with this you also think about never ending repayments for huge amounts of money. If you only need a little bit of money a personal loan for $1,000 could be what you need. Luckily there are products that exist that can help with short term borrowing needs.

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

What kinds of personal loans exist? In general there are two types of personal loans – unsecured loans and secured loans. Secured loans are different to secured 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.

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

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

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

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 Need To Apply For $1,000 With Capital Bean?

Capital Bean is able to find you the best possible loan if you’re looking to borrow $1,000. We work with trusted partners who make up our lending panel to make sure 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 For A $1,000 Payday Loan?

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 – options do exist for people who have very bad credit if they want to borrow $1,000. The lenders we work with are always willing and able to review people with different credit backgrounds. It always helps if you have a stable income through full-time employment as this is something that will be checked during the submission process.

In some cases, you’ll be offered a loan with repayments over a longer period of time. This could be anywhere from 12 to 48 months. This gives you the opportunity to make payments out over a longer time, for a lower amount each month. This can give you the opportunity to get your credit and rating higher so that in the future you can get better rates. There’s always the option to take out secured loans which will be backed with property or other assets that you own.


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

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.