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400 Loan - Find Out How Effective They Are with Loanago
Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk

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The Important Parts

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Note: Loanago is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Loans subject to status. Over 18s only. Minimum loan amount may apply.

Rates from 4.5% APRC to 500% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years. TYPICAL 10.9% APRC variable

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£50 - £2,000
Loan term
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Loan amount
£200 - £1,000
Loan term
3 - 6 Months
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400 Loan

When you are living from paycheck to paycheck, emergency expenses can bring you into a state of panic. If you are not the types of person to save, you likely don’t have cash to fall back on during those unexpected times. This is where short-term loans come in handy.

Easy access to money when you need it is what short-term loan is. You can borrow small amounts like £400 just to cover for the urgent expense you are currently facing.

Short-term loans, commonly called small cash loans or payday loans, are the perfect solution. These loans can be approved for within a few hours with cash transferred to your account immediately.

Short-term loans help cover unexpected expenses. No matter how well you prepare for the future, unplanned circumstances happen. If you don’t have an emergency fund or enough savings on hand to cover these costs, 400 loan may be a great help.

Benefits of 400 Loan

A 400 loan is a short-term loan, which is designed to satisfy people’s financial urgent need. As it is called, a 400 loan is short-term, so borrowers are supposed to pay off the debt within a short time period. Some lenders require borrowers to pay back the total sum plus the interest and fees over thirty days. Others allow borrowers to pay off the total amount within sixty days.

Cash loans such as 400 loan with no credit check are the sort of loans with very little paperwork. Lenders, who assure 400 loan with no credit check, do not check out borrower’s credit and income. Therefore, it’s possible to get a £400 loan with the shortest period even when you have bad credit or low income.

400 loan with no credit check is a risky for lenders. This is why they offer high-interest rates and not profitable loan terms. Nonetheless, it remains a good solution for people with poor credit or no credit at all, and those with low income.

why opt for 400 loan

Before applying for 400 loan from lenders offering no credit check, check out the lender’s reputation thoroughly as there are many fraud lending companies and loan sharks. Make sure that the lender is legitimate.

Every financial agency provides specific terms and conditions that may either meet your abilities or not. Therefore, it’s important to make a thorough research before applying for small loans as today’s digital era offers tempting possibilities for scammers. These loans are even available for unemployed, students, and people with bad credit ratings.

Online loans such as 400 loan is available to help cover any type of personal expenses. Nevertheless, you must be aware of the risk you take, as the interest may be high depending on the lender

Purpose of 400 Loan

Urgent Repairs

It’s great to have a place you can call home, but maintaining it can get costly. From roof damage to leaking pipes, It’s impossible to anticipate all problems. A 400 loan can cover your immediate home repair costs with no fuss.

Vehicle repairs may involve fixing or replacing parts like spark plugs, brakes, airflow sensors, or catalytic converters. It is not easy to plan for these emergencies and is not always cheap. The total cost for repairs typically involves the price for the parts and any labor or service used.  A £400 loan can be useful to settle for this cost.

Medical Bills

Health insurance may cover most of these expenses, but if your out of pocket costs or deductible is still high, you may be left with an outstanding balance that’s more than you can afford. A 400 loan can help you cover these costs.

Student Emergencies

A 400 loan can help students in continuing their education in case of emergencies. Life is unpredictable, and anything may happen at any time. These circumstances may have a negative financial impact on your college education, and you may end up with insufficient funds. You may end up leaving college. However, you can use a £400 loan to pay for your current emergencies.

Other Expenses

Other expenses may include out-of-town trips. An example of this when a family member is ill or a close friend is getting married and he wants you around. You may need to travel without any extra funds. This is when a £400 loan can help. Another expense you may have would be for lost necessities. You may have misplaced your laptop, lost your cell phone, or had something precious stolen, and you need to use it on a daily basis. A £400 loan could cover that for you.

Key Points of a 400 Loan

When you get a 400 loan online or through a direct lender, the decision is instant and have a same day payout. Lenders provide fast and easy application process with funds typically transferred within fifteen minutes.

If the lender could see that you have a regular source of income, which is able to help you cover the costs of your monthly bills as well as pay back any form of loan repayments, then there shouldn’t be anything that stands in your way to prevent you from accessing a 400 loan.

400 loan is a great option if you need a small amount of extra cash for a short period. You shouldn’t use them to manage existing long-term loans, or if you are already in a financial stress. It is definitely not for long-term expenses such as car purchases.

With a good credit score, you will be able to access these loans at lower interest rates as you will be perceived as a low risk by lenders. Get a grip on your finances and have a sense of discipline. If you make payments on time, your credit score will improve eventually.

While you can compare rates to get a good deal, 400 loan can be expensive when you have poor or bad credit. So, be sure you really need the money before you apply. Shop around and compare the rates of different lenders from banks to payday loan lenders. Lenders differ from the interest rate and term they offer, so it’s always a good idea to shop around and make comparisons.

benefits of 400 loan




Applications Accepted


With Bad Credit


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5 most recent personal loan reviews

Review of Funding Circle

Very quick response and good safety features. Speak to real people once the application has been logged. Very simple to fill out. Would definitely recommend Funding Circle to anyone.

Review posted by Gary Craigs, Dumfries

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Savvy

Really Great Service! Thoroughly recommend! Have dealt with several loan companies & Savvy is definitely the best, easiest, professional & they do exactly what they say unlike many other financial companies that lead you up the garden path!

Review posted by Helen Stern, Sheffield

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Capital One

I have poor credit and really needed the money to pay a court fine or be up against the magistrate again. Really helped me out and I found the charges for the credit very reasonable. Would highly recommend if your in a pinch. Great customer service and went out of their way to help get the loan out the same night I applied. Started 6pm and had money in the bank before 10pm. Great service.

Review posted by Blake Harrington, Margate

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from Trust Pilot to ensure the authenticity of accounts.