256-bit encrypted Free service - lenders pay us, not you LendUp is a borrower-first loan marketplace
700 Dollar Loan

$700 Loans: First Check Whether Your Bill Needs Cash

Page last reviewed: October 27, 2026 · Reviewed for accuracy by Betty Walsh

Before you borrow $700, look at what it's for. A hospital bill, a repair or a utility notice often comes with a cheaper way to pay over time, and a cash loan is the fallback. Here are those routes first, then what $700 in cash actually costs.

  • Nonprofit hospitals must publish a financial assistance policy
  • Pay-in-4 turns a $700 purchase into four payments of $175
  • A $700 payday loan at $15 per $100 costs $105, due at once
Check Your $700 Options Match Your Bill to an Option

How it works: fill out one short form, lenders in our network review it, and you see the full cost before you sign anything. How LendUp works.

Your loan amount

$700
Pay-in-4 on $7004 payments of $175
U.S. Bank on $700$42 fee
6 months at 36% APR$129.22 a month
FundingMinutes to a few business days
Check Your $700 Options

Free · No obligation. LendUp is not a lender. When you submit a request, we share your information with lenders in our network, who may contact you. A request doesn't guarantee an offer.

What the $700 Is For, and What to Try First

When the money goes to one bill, the business you owe may offer a cheaper way to pay than a loan.

The $700 bill Try first Watch for
Hospital bill Ask for the hospital's financial assistance policy. Nonprofit hospitals must have one covering emergency and medically necessary care, and it can mean free or discounted care if you qualify. Apply before the bill goes to collections, and ask for a payment plan on anything left.
Vet or dental bill The provider's own payment plan, or a promotional healthcare credit card. Deferred interest: if any promotional balance remains when the offer ends, interest is charged all the way back to the purchase date.
Car repair or appliance Pay-in-4 at checkout, if the business offers it: four interest-free payments over six weeks, the first at checkout. Late fees, and it pays the merchant, not you.
Electric or heating bill A payment arrangement with the utility, and LIHEAP energy assistance if your household qualifies. Call before the shutoff date, not after.
Rent, a deposit or several bills Usually no installment option. This is where a cash loan fits. Compare the total cost of each cash option below.

What $700 in Cash Costs

When the money has to be cash, the cost depends far more on where it comes from than on the amount.

Source Cost on $700 How you repay
U.S. Bank Simple Loan $42 3 monthly payments of $247.33, for qualifying checking customers
Credit union PAL I at 28% APR $58.28, plus an application fee of up to $20 6 monthly payments of $126.38
Installment loan at 36% APR $75.32 6 monthly payments of $129.22
Credit card cash advance $14 to $35 upfront (2% to 5%), plus interest from day one Through your card, at its cash advance rate
Payday loan at $15 per $100 $105 $805 in one payment, in states that allow it

Cash advances usually have no grace period and a higher APR than purchases. The fee range is typical, not a cap; your card agreement has the exact figure.

Where $700 Can Be a Payday Loan

Washington's payday cap is exactly $700, or 30% of your gross monthly income if that's lower, so you'd need at least $2,334 a month before taxes to qualify for the full amount. Delaware allows up to $1,000 per loan, and Indiana, Wisconsin and Nevada base their limits partly on income. Elsewhere, expect $700 to come as an installment loan. Check your state's rules.

$700 Loan Questions

How can I get $700 today?

Have your ID, income details and bank account ready, and send your request early in the day. Many lenders fund within one business day of signing, some the same day, but none can promise approval. If you bank with U.S. Bank, its Simple Loan is deposited within minutes of approval.

Can I use buy now, pay later for a $700 bill?

Only where the business accepts it, because pay-in-4 pays the merchant rather than giving you cash. The usual plan is four interest-free payments of $175 over six weeks, and most providers charge late fees.

Is a credit card cash advance cheaper than a $700 loan?

For a few weeks it can be: the fee is usually 2% to 5%, or $14 to $35 on $700. Interest starts the same day, though, usually at a higher rate than purchases, so kept for months it can cost more than an installment loan.

What if I can't cover a $700 bill at all?

Call 211 for local help with rent, utilities and other bills, and ask the business you owe about hardship programs before you take a loan you'll struggle to repay.

Need the $700 in cash?

LendUp is free to use because lenders pay us. One request, no obligation, and the full cost is shown before you sign.

Check Your $700 Options

Other Loan Amounts

$500 loans $600 loans $800 loans $1,000 loans All amounts

Sources