$300 Loan: Request $300 Online, Fast
| Best loan types for $300 | Payday loan or short installment loan |
|---|---|
| Sample payday cost | $45 fee, repay $345 (at $15 per $100) |
| Sample installment | 3 payments of about $106–$117 |
| Credit | All credit types considered |
| Funding | Often next business day |
| Cost to use our form | Free, no obligation |
Yes, you can get $300 fast
Unexpected bills happen. A $300 loan can cover a utility catch-up, a car repair deposit, a vet visit or a short week before payday. You can request it online without visiting a store, and many lenders in our network consider all credit types.
Our form takes about 3 minutes. Many lenders decide within minutes, and approved funds often arrive the next business day. It's free, and you're never obligated to accept an offer. See if you qualify — it takes about 3 minutes.
Two ways to borrow $300
Payday loan. You repay the $300 plus a flat fee in one payment on your next payday, usually in two to four weeks. It's quick, simple and well suited to people who know their next paycheck will cover it. See payday loans.
Short installment loan. You repay in several scheduled payments over a few months. Each payment is smaller, which can fit a tight budget better. See installment loans.
You don't have to decide on your own. Tell us how much you need on the form, and lenders that serve your state will show you what they can offer. Payday loans aren't offered in every state; where they aren't, we'll try to match you with installment lenders. See payday loan laws by state.
What a $300 payday loan costs
Payday lenders charge a flat fee per $100, set within your state's limit. Fees commonly run $10 to $30 per $100:
| Fee level | Fee on $300 | Total to repay |
|---|---|---|
| $10 per $100 | $30.00 | $330.00 |
| $15 per $100 | $45.00 | $345.00 |
| $20 per $100 | $60.00 | $360.00 |
| $30 per $100 | $90.00 | $390.00 |
At the sample $15 per $100, you borrow $300 and repay $345 on your due date. Repay on time and that's the full cost. Your lender shows the exact APR and terms before you sign.
How much will I repay?
Estimate only. Your lender shows your exact cost before you sign.
What a $300 installment loan could look like
Installment loans are priced with an APR that depends on your credit, income, state and lender. Here are sample payments on $300:
| Term | Sample APR | Monthly payment | Total repaid |
|---|---|---|---|
| 3 months | 36% | $106.06 | $318.18 |
| 3 months | 99% | $116.94 | $350.81 |
| 6 months | 36% | $55.38 | $332.28 |
| 6 months | 99% | $65.39 | $392.33 |
These are examples, not offers. Your lender shows your exact APR, payment amount and schedule before you sign. A longer term lowers each payment; a shorter term lowers the total you repay.
Requirements for a $300 loan
- Be at least 18 (19 in a few states) and a U.S. resident
- A valid government-issued photo ID
- Regular income from a job, benefits, self-employment or gig work
- An active checking account for the deposit and repayment
- A working phone number and email address
Your income doesn't have to come from a W-2 job. Many lenders accept benefits, self-employment, gig or pension income when it's regular and deposited into your checking account. Have a recent pay stub, benefits letter or two to three months of bank statements ready. Installment lenders may also look at your credit, often starting with a soft inquiry that doesn't affect your score. See payday loan requirements for the full checklist.
How to improve your approval odds
- Request the amount you need. A focused $300 request is easier to approve than a larger one.
- Show steady deposits. Lenders like to see income arriving on a regular schedule.
- Keep your checking account active. An account in good standing helps.
- Fill out the form accurately. Details that match your ID and bank records speed up verification.
- Respond quickly. If a lender calls or emails to verify something, answer fast to keep funding on track.
Have bad credit? Many lenders in our network focus on income and may use alternative credit data rather than a traditional hard pull. See loans for bad credit.
How fast can $300 arrive?
Here's a typical timeline when you apply online:
- Form: about 3 minutes.
- Decision: often within minutes.
- Funding: often the next business day by direct deposit, and sometimes the same day if you're approved early on a business day.
Banks don't process deposits on weekends or federal holidays, so a Saturday request usually funds Monday. To get your money as quickly as possible, apply early on a weekday, double-check your bank details and answer any verification call or email right away. More on timing in same-day loans and emergency loans.
Repaying your $300 loan
Most lenders collect payments automatically from your checking account on the due date or dates in your agreement. Make sure the money is there in the morning. If your income changes or you expect to be short, contact the lender before the due date and ask what your options are under your state's rules. On-time payments keep your cost exactly what your agreement shows, and with installment lenders that report to credit bureaus, they can help your credit too.
How to get $300 through us
- Fill out the form. Enter the amount, your contact details, income and bank information. It takes about 3 minutes.
- Get matched. We send your request to lenders in our network that serve your state.
- Review your offer. If a lender approves you, you see the amount, APR, payment schedule and total to repay before you sign.
- Get your money. Accept, e-sign, and funds are often deposited the next business day.
Zebra Finance is a free loan-matching service, not a lender. Whether you get an offer, and for how much, is up to the lender and your state's rules. You are never obligated to accept.
Ready? Request your $300 now.
Frequently asked questions
How can I get a $300 loan fast?
Fill out a short online form early on a business day. Ours takes about 3 minutes, many lenders decide within minutes, and approved funds are often deposited by the next business day. Keep your ID, proof of income and checking account details handy so the lender can verify you quickly.
How much is a $300 payday loan?
Payday fees are a flat amount per $100, set within your state's limits and commonly $10 to $30. At a sample $15 per $100, a $300 loan costs $45 and you repay $345 on your due date. Your lender shows the exact fee, terms and total to repay before you sign.
Can I get a $300 loan with bad credit?
Often, yes. Many lenders in our network consider all credit types and look mainly at your income and bank account for smaller loans. Some use alternative credit data instead of a traditional hard pull. Approval is never automatic, but a low credit score doesn't stop you from requesting $300.
Can I pay back a $300 loan in installments?
Yes, if an installment lender in your state offers you one. Installment loans split repayment into several scheduled payments, such as three or six monthly payments. Your lender shows the APR, payment amount and schedule before you sign, so you can pick the option that fits your budget.
What do I need for a $300 loan?
Most lenders want you to be at least 18, have a government-issued photo ID, regular income from work or benefits, an active checking account, and a phone number and email. You also need to live in a state where the lender offers the type of loan you're requesting.
Sources
- CFPB — What is a payday loan?
- CFPB — What is a personal installment loan?
- eCFR — 12 CFR Part 1026 (Regulation Z, Truth in Lending disclosures)