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$700 Loan Options From Direct Lenders – Even With Less than ideal credit

$700 loans for low credit scores are often designed to be paid back within a few weeks or months.

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Updated June 2, 2025 Advertising disclosure
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Edited by John Howard
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Written by Rachel Alulis
Editorial note: Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

  • A $700 loan for less than ideal credit can provide quick access to emergency funds.
  • It is possible to borrow funds even with a poor credit score.
  • Responsible management of your loan is crucial to maintaining financial stability.

A $700 loan is possible to get even if you have less than ideal credit or a limited credit history. When financial emergencies hit, not everyone has the savings to cover them. If you need $700 now, there are plenty of places you can turn to. You may receive less favorable loan terms than someone with good credit, but you will be able to borrow.

We’ll explore how you can identify lenders and qualify for loans despite having a less than ideal credit score.

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What is a $700 loan?

A $700 loan is a small personal loan designed to provide quick financial relief when you need a modest amount of cash. Small personal loans are typically used for emergencies or unexpected expenses that require immediate attention. Whether you’re facing medical bills, car repairs, or need to cover groceries, a $700 loan can bridge the gap until your next paycheck.

How do $700 loans work?

There are multiple types of $700 loans. Most are short-term, meaning they are designed to be paid back within a few weeks to one year. Some are installment loans with fixed interest rates and set monthly payments. Others have balloon payments, where the loan plus fees are paid in full at the same time.

You can apply for small personal loans online or in person through direct lenders, online lenders, or lending platforms. While most direct lenders perform hard inquiries, others offer $700 loans without a credit check. You may even be able to find . No credit check personal loans rely on your income and ability to repay rather than your credit rating. While these loans are easier to be approved for with less than ideal credit, they tend to have higher interest rates and fees.

After approval, funds are typically deposited into your bank account within one business day. At most, it will take three business days to access cash, making them perfect when you .

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Need quick access to cash?

Types of $700 dollar loans

You can choose from several $700 loan options based on your financial needs and situation. Loan options for lower credit scores include:

  1. Payday loans: A short-term loan that is usually due within two to four weeks on your next payday. You can usually get up to .
  2. Installment loans: Loans that are repaid in fixed monthly payments over a longer duration, typically between two to seven years.
  3. Credit union loans: Installment loans offered by credit unions have lower interest rates and more flexible terms.
  4. Temporary balance boost loans: A type of that lets you access earned wages before payday.

Choosing the right type of $700 loan depends on your ability to repay, credit score, and the urgency of your financial needs. are incredibly convenient as they typically only want bank account and employment information, not your credit score. They are less expensive than short-term loan due on your next paydays, but you can’t always advance $700.

The best place to start is with your local credit union. Ask about their personal loans or Payday Alternative Loans (PALs). PALs don’t always require a credit check.  If you are not a member of a credit union and do not want to join, you can go online. A lot of online lenders work with less than ideal credit borrowers and have fast approval.

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Eligibility criteria for $700 loan on the same day

Any time you want to borrow, it’s essential to understand the lenders’ requirements. Meeting these criteria increases your chances of approval and helps you secure funds quickly.

Credit score considerations

Like it or not, when it comes to qualifying for loans. Most lenders will conduct a hard credit check when you apply and look into your credit history. Traditional financial institutions typically favor applicants with credit scores of 600 or higher. A credit score under this mark may make it tough to secure a traditional loan, but you still have options.

Certain loan companies don’t perform credit checks, and others pay less attention to your score. These lenders place more emphasis on your income, employment history, and ability to repay the funds than on your credit history.

Be aware that loans designed for individuals with less than ideal credit often come with higher interest rates and fees to offset the risk to the lender. The higher payments are especially true with short-term loan due on your next paydays and lenders that do not check credit at all.

Income requirements

A significant consideration for lenders is your income level. To qualify, you must demonstrate a regular income sufficient to cover the monthly payments. Lenders often require proof of income, such as recent pay stubs, bank account information, or tax returns. The specific income threshold can vary, but the goal is to ensure you have enough steady income to cover your living expenses and the loan repayment.

Many lenders will accept alternative forms of income, not just a regular job. Alternative forms of income include:

  • Child support or alimony
  • Government benefits
  • Rental income
  • Freelance or gig work

Lenders want to know that you can afford to repay the funds, less so where your money comes from each month.

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Employment status

Your employment status also plays a significant role in the loan approval process. Most lenders prefer applicants who are employed full-time, as it indicates financial stability. If you are self-employed, part-time employed, or receiving benefits, you may still qualify, depending on the lender’s flexibility.

Job stability is also important. Lenders tend to prefer applicants who have been at the same job for at least six months. If you just started a new job, it may serve you well to wait and apply after you’ve been there a while.

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Unemployed with less than ideal credit but need extra cash?

Applying for a $700 loan with less than ideal credit

Knowing the correct steps can make applying for a $700 loan with less than ideal credit a smooth process. Here are tips to help you navigate the application process with less than ideal credit.

Improve your credit score

Before applying, it’s wise to check your credit score. If you have a low credit score – below 670 on the FICO scale – consider taking steps to improve it. Pay down existing debts, correct any errors on your credit report, and pay all your bills on time. Once your score is above 670, your chances of approval grow exponentially.

Provide accurate information

When filling out your application, ensure that all the information you provide is accurate and up-to-date. This includes your personal details, income, employment status, and contact information. Accurate information helps speed up the approval process and reduces the likelihood of your application being rejected or delayed.

Choose the right lender

Selecting the right lender is essential. Look for a reliable lender who is transparent about its loan terms and has good customer reviews. Some loan companies specialize in offering , which can be ideal if you need funds quickly.

if possible. Prequalifying only involves a soft credit check and lets you compare interest rates, fees, and repayment terms so that you can get the best offer.

Fill out a loan request form

Once you’ve chosen a lender, the next step is to apply. The application typically requires basic information about your financial situation, such as your income, employment, and the amount you wish to borrow. Make sure to double-check all the details before submitting the form.

Wait for a notification from a direct lender

Once you’ve submitted your application, the lender will assess your information. If approved, you’ll receive a notification, often within a few hours. Some direct lenders offer instant or same-day approval, meaning you could have the money in your account within 24 hours or less.

Accept a loan offer

Upon receiving a loan offer, take the time to review the terms thoroughly, particularly the interest rate, repayment period, and fees. If you agree with the terms, you can accept the offer, which will typically involve signing a digital contract. Be sure you can meet the repayment obligations before accepting.

Get emergency cash with a short-term loan due on your next payday

If you , short-term loan due on your next paydays can offer a quick solution. These loans are easy to be approved for. You can typically get . Lenders tend only to require proof of income and an active bank account. There’s flexible credit evaluation, and funds are in your bank account on the same day. These characteristics make them appear as viable financial solutions.

Tempting as a short-term loan due on your next payday can be, approach them with caution. Payday loans often have extremely high interest rates and fees, typically equivalent to a 400% annual percentage rate (APR). Most are due on your next payday. That means you only have a few weeks to repay everything in full. The short repayment periods and high fees make them very hard to repay on time. Many borrowers have to roll over their short-term loan due on your next paydays, falling into a cycle of debt.

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Short on cash?

What to watch out for

When you’re searching for small loans for less than ideal credit, you are going to come across predatory lenders. Here is what you need to watch out for to protect yourself.

Upfront about costs: Your lender should be able to break down the cost structure. They should be clear about the interest rate and all fees. Potential fees include an origination fee, late fees, and prepayment penalties.

Short repayment terms: You need to be able to repay the money as agreed. Predatory lenders often have short repayment periods and balloon payments that can trap you in debt.

Lender reputation: Read reviews on the Better Business Bureau (BBB), Trustpilot, and Consumer Affairs to find out what working with the lender is actually like. Pay attention to how they resolve complaints.

Guaranteed approval: No lender approves every applicant. Many lenders have very lenient requirements, but you still have to meet their criteria. Be wary of any promises that are too good to be true.

Pressure to act now: Reputable lenders will give you time to consider the offer. Do not work with a lender that pressures you to act immediately or borrow more than you need.

Licensed in your state: Different states have different laws. The lender must be licensed to operate in your state and follow state regulations.

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Managing your $700 loan responsibly

Taking out a $700 loan can provide quick financial relief, but you must manage it responsibly to avoid future financial difficulties. Here are some key strategies and considerations to ensure you stay on track with your loan repayment and avoid further debt.

Budgeting for repayment

Before you borrow money, create a budget that accounts for the repayment. Calculate how much of your monthly income will go toward repaying the loan. Make sure you can cover it along with your other bills.

When you get paid, set aside the money for the loan repayment immediately. That way, you will have it when the bill is due and can pay on time. On-time payments will help you avoid late fees, additional interest, or damaging your credit score.

Loan agreement and bank account considerations

Understanding the details of your agreement is crucial for managing loans responsibly. Make sure you’re aware of the interest rates, repayment schedule, and any associated fees. Being informed will help you prevent unexpected issues later. Additionally, ensure that your bank account is in good standing, as this will be the account from which repayments are typically withdrawn.

Avoiding additional debt

While a $700 loan can help you manage an immediate financial need, it’s important to avoid taking on additional debt. Adding more debt can lead to a cycle of borrowing and make it difficult to regain financial stability. Once you’ve repaid the funds, you can consider borrowing again.

Seeking financial assistance

If you struggle to meet the repayment terms, don’t hesitate to seek financial assistance. This could involve speaking with your lender to discuss alternative repayment plans, reaching out to a credit counseling service, or even exploring local community resources that may offer financial support. Proactively addressing repayment challenges can help you avoid defaulting.

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What should I look for in my loan agreement?

When reviewing your agreement, pay close attention to the following elements:

  1. Interest rate: Ensure you understand whether the interest rate is fixed or variable and how it will affect your total repayment amount.
  2. Repayment schedule: Review the repayment timeline and ensure it aligns with your budget and financial capabilities.
  3. Fees and penalties: Be aware of any additional fees, such as late payment penalties, early repayment fees, or processing charges.
  4. Loan amount and term: Confirm that the loan amount and repayment terms are accurately reflected in the agreement and match what you discussed with the lender.

Can I get a 700 dollar loan without a bank account?

While it is more convenient to have a checking account, . Certain may provide a $700 loan without requiring a traditional account. Instead, they might use prepaid debit cards or require in-person repayments. These alternatives often come with higher fees and limited repayment options, so it’s important to weigh the pros and cons carefully.

Frequently asked questions

1. How fast can I get a 700 dollar loan?

How fast you can get a $700 loan depends on the lender. Many online lenders provide same-day approval and funding. If you are able to access a $700 temporary balance boost, you may be able to get the money instantly.

2. What happens if I can’t repay my loan on time?

or installment loan depends on the lender’s policies. They may charge a late fee and report you to the credit bureaus. If you continue not to pay, they may sell your account to a debt collector.

3. Can you get a $700 loan with flexible credit evaluation?

You may be able to get a $700 loan without a credit check from an online lender, temporary balance boost app, or federal credit union. Some federal credit unions offer PALs up to $2,000 without a credit check.

4. Can I get a 700 dollar loan with less than ideal credit?

You can get a $700 loan with less than ideal credit. Look into online lenders that specialize in less than ideal credit borrowers and credit unions. Credit unions tend to have lenient requirements and lower interest rates.

Bottom line

Small can be lifesavers when medical bills appear and you need $700 cash now. Whether you choose or installment loans, be sure to borrow responsibly. Try to check eligibility without affecting your score to get the best loans possible for your financial situation. Take the time to read the terms and ensure that the loans you’re eligible for are loans you can afford. Then budget for your monthly payments so you don’t have to take on more debt.

With the right approach, a $700 loan can provide the funds you need when it matters most. Repaying the loan on time may even help you build credit.

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About the author

Author Rachel Alulis Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor's credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor's degree in journalism and an MBA.

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