$800 Loan: Request $800 Online in About 3 Minutes

Updated 2026-10-26 · By the Zebra Finance editorial team · How we research

Yes, you can request $800 today

$800 sits right between a quick payday-size loan and a bigger personal loan. It's a common amount for a transmission or brake job, a security deposit, a medical copay, or catching up on two bills at once. Because it's a mid-size amount, most people repay $800 in a few monthly payments rather than all at once.

Our free form sends your request to lenders in our network that serve your state. Zebra Finance is a matching service, not a lender, and you can decline any offer.

See if you qualify — it takes about 3 minutes. Start your free request. There is no obligation to accept an offer.

Which loan fits $800

• Installment loan: the most common choice. You get $800 up front and repay it in equal payments over about 3 to 12 months.
• Payday loan: repaid in one payment on your next payday. Many states cap payday loans below $800, so this works only in some states.
• Title loan: if you own your car, its value can back the loan where title lending is allowed.

Rules vary by state. See personal loan rates by state and payday loan laws by state.

A quick way to check your state: open its page, such as Florida, Ohio or Texas, and look at the maximum loan amount. If payday loans in your state stop short of $800, or aren't offered at all, request a personal installment loan for the full amount on the same form.

Monthly payments on an $800 loan

These are illustrations, not quotes. A shorter term means a higher payment but less total cost; a longer term lowers the payment. Your lender shows the exact APR, fees and schedule before you sign. Try the personal loan calculator to test other terms.

Can I get $800 with bad credit?

Yes, you can apply. Many lenders in our network consider all credit types and focus on your income, your checking account and your ability to repay. Many use alternative credit data instead of a traditional hard pull from the big three bureaus. A lower score may mean a higher rate or a smaller offer, so having steady deposits and a positive balance helps. See loans for bad credit or loans for a 500 credit score.

Requirements for an $800 loan

• 18 or older (19 in a few states) and a U.S. resident
• Government photo ID
• Regular income from work, benefits or self-employment
• A checking account in your name
• Phone number and email address

For $800, some lenders may ask for a recent pay stub or bank statement. See personal loan requirements.

What lenders look at for $800

• Payment vs. income: at about $80 to $148 a month in the examples above, lenders check that the payment fits alongside your other bills.
• Deposit history: regular paychecks or benefit deposits over the last few months.
• Account health: an account in good standing without long stretches below zero.
• Credit data: a traditional score, alternative credit data, or both, depending on the lender.

Have this ready

Your ID and Social Security number, your employer or benefit source, your take-home pay and next pay date, and your bank's routing and account numbers. With those in hand, the form takes about 3 minutes.

How to improve your odds for $800

1. Show all your income. A second job, benefits or support payments can count.
2. Pick a term that fits. A payment that takes up a reasonable share of your monthly income is easier to approve.
3. Use your main checking account. Regular deposits are what lenders look for.
4. Fill in every field accurately. Matching name, address and bank details speed things up.
5. Be ready to verify. Keep a recent pay stub or statement on your phone.

Common mistakes

• Asking for $800 when $600 would do. A smaller request is easier to approve and costs less.
• Applying several times in a row. Submit one accurate request and wait for a response.
• Using an account your income doesn't go into. Lenders want to see the deposits.
• Typos in bank numbers or your email, which can delay or block funding.

Repaying $800 the easy way

Set your due dates for a day or two after your paycheck lands, and turn on autopay so nothing slips. If you get extra money, such as a tax refund or overtime, ask whether early payments lower your interest; many installment lenders charge interest only on the balance you owe. If something comes up, contact your lender before a payment is due to ask about your options.

Worked example: on the 12-month, 36% sample above, you'd pay about $964.44 in total if you made every payment on schedule. If you paid off the remaining balance of about $435.38 right after your sixth payment, your total would be about $917.60, saving about $47, as long as the lender charges interest only on the balance and has no prepayment penalty. Ask about both before you sign.

Other amounts

Compare $600, $1,000, $1,500 and $2,000 loans.

Not sure $800 is the right number? At the same sample 36% APR over 12 months, $600 is about $60.28 a month and $1,000 is about $100.46 a month, compared with about $80.37 for $800. Price out the whole bill, request the amount that covers it, and leave room in your budget for the payment. When you know your number, start your free request.

Get your $800 through Zebra Finance

Enter $800 on the form, add your income and bank information, and we match your request with lenders in our network for your state. Many decide within minutes. If you're approved, you see the amount, APR, payment schedule and total before you sign, and funds are often deposited the next business day. See how it works.

See if you qualify — it takes about 3 minutes. Start your free request. There is no obligation to accept an offer.

Frequently asked questions

Sources

• CFPB — What is a personal installment loan?
• eCFR — 12 CFR Part 1026 (Regulation Z, Truth in Lending disclosures)

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