Borrow $400 Loans Today With Capital Bean. 100% Online Application Form.

Find a $400 loan to suit your requirements today. Our application form takes less than 5 minutes to fill out. Instant decisions and money in your account same day.

Representative Example:
If you were to borrow $400 over three months at an APR of 350%, you would be required to make three repayments of $250.01, and the total amount repayable at the end of the loan term would be $750.04.

Where Can I Find The Best $400 Loan?

Capital Bean offers a quick and effective way to borrow $400 quickly and easily. Whether it’s for an emergency or personal use, or even for your business – we are here to help. You can repay from 1 to 60 months and pay back the money in equal installments during that period.

We are a loan broker and match your application with the best company that offers products such as cash advances and payday loans. The terms and conditions will be based on your credit score, the amount you are borrowing, and for how long. Whether you live in South Carolina, California or Texas, we will match you with the provider and find the best loan for you today.

We give you an instant on-screen decision – you don’t have to visit any physical locations to complete your loan. You can get the money into your account the same day, next day or within 24 hours. Apply for a loan for free now and let Capital Bean take care of the details.

Three Easy Steps To Borrow $400 Today

Step 1 - Apply To Borrow $400 Online

You can apply for $400 loans online within 5 minutes using our 100% free application form on your phone or tablet.

Step 2 - Get An Instant On-Screen Decision

Receive an instant decision on your laptop, tablet or ipad from one of our lending partners who will offer the best rates for your circumstances.

Step 3 - Get Your $400 Loan In The Bank

You will receive your $400 in your nominated bank account, which you provided in your application, within 1 hour, on the same day, or on the next business day.

How Much Does It Cost To Borrow $400?

Example: If you borrow $400 for three months with an Annual Percentage Rate (APR) of 400%, you will make three payments of $230.63. The total amount repayable at the end of the loan term will be $691.89.

Why Should I Apply For $400 Loans With Capital Bean?

Applying for a $400 loan can be difficult and stressful, so we take the stress out of the process. We take the hassle out of it by introducing you to our panel of lenders that can meet whatever your borrowing needs. Get started quickly and easily with our easy application process.

We are always happy to work with borrowers because we have one of the quickest and easiest ways to get a loan and borrow money online today. Our platform is technology driven and helps process applications daily.

If you want to apply today it is 100% free to apply and use our services. Capital Bean has no hidden costs – we get paid once you get your money, not before. That’s why we want you to get matched with the best terms and conditions today. We only get paid when the money is in your account, and your loan application succeeds.

How Do I Get Started With Capital Bean?

We make finding a $400 loan easy with Capital Bean. Click on the “Apply Now” button and you can get started with our fully online application process. We’ve made the form as quick as possible and only takes about 5 minutes to complete. When it’s done you’ll be given an instant online decision.

Before you apply we’ll need a few personal details to process your application. Make sure you have the following information on-hand so that the process can be as quick as possible:

  • The total amount you’d like to borrow (e.g. $400 or $1,000)
  • The length of time you’d like to borrow it for
  • Your details – how to get in touch which could be a cell phone number or email address
  • Your ID – driver’s license or state ID
  • Employment status
  • Social security number

If you’re successful the money could be transferred to your bank account within 24 hours or the next business day.

Am I Eligible To Borrow $400?

When borrowing $400 with a lender on our panel there are a number of eligibility criteria you must meet. They include:

  • 18 years old or over
  • Stable employment
  • US resident
  • Active checking account
  • Be able to afford monthly repayments
  • Bad credit is considered

If you’ve been declined a loan in the past because of your bad credit then we might be able to help. Our panel considers all types of bad credit history including those who might have a less than perfect credit history.

In some cases, if you keep up with your $400 loan it can actually help increase your credit score and give you better credit history. It is important to know that this goes both ways. If you pay back your installments on time your credit score could increase, but if you miss repayments it could actually hurt your credit score in the long run. Only take out $400 if you know you can make monthly repayments each month.

How Can I Make Repayments On My $400 Loan?

Repayments on a loan, in this case a $400 loan, are made monthly on a date that you choose with your lender. When you sign the terms and conditions you will mutually agree on the date that you’d like. It typically falls after payday so that you have money in your account to pay back the loan.

Monthly repayments are paid in equal installments at the same amount each month. It can be paid by phone or taken out of your account automatically by ACH.

You might also have the option to pay back the loan early. This is something that you would need to discuss with your lender.


I Have Bad Credit – Can I Still Get A $400 Loan?

Yes – there are always options available for borrowing $400 if you have very bad credit. Capital Bean and our partners work with lenders that consider all credit histories. We’re always able to review bad credit backgrounds. If you are employed and can show consistent monthly income, you’ll have a better chance of being considered.

Depending on your credit score, you might be offered a loan with longer repayment terms – for example, instead of paying back the loan after 6 months you might pay it back in 12, 24 or 36 months. This could give you time to get your credit history back on track. There are other options for bad credit available. You could get a secured loan or a title loan.

Frequently Asked Questions For A $400 Payday Loan

Where Do You Offer Payday Loans?

We work across the 37 states where payday loans are legal. That includes Texas, California and South Carolina. Further information on laws and regulations surrounding payday loans in your area is available using the Capital Bean state specific pages.

How Much Can I Borrow?

With Capital Bean you can borrow anywhere from $100 to $35,000.

Are There Fees For Applying?

No – there are no fees for applying through Capital Bean. Our online application is 100% online and we work on a commission basis that is paid once you’ve been accepted for a loan with the best rates for you.

How Long Can I Borrow A Payday Loan For?

We offer loans that can be paid back from 1 to 60 months in length. The actual length might differ from state to state.

Can I Repay My Loan Early?

Yes – you can pay back your loan early and save money on the interest rate that you have been quoted. The first step is to contact your lender and let them know you want to repay your loan early Then you will need to pay back the full amount to them via an online portal or through the phone.

Does Capital Bean Make Loans Directly?

No – Capital Bean is not a direct lender and acts as a loan broker. We introduce you to the best broker in the US who will find you the best rates for your circumstances. We receive a small commission if your loan is successful.