$800 Loans: Choose the Term Before You Choose the Lender
Page last reviewed: October 28, 2026 · Reviewed for accuracy by Betty Walsh
At $800, the term matters as much as the rate. At 36% APR, paying it off in 3 months means about $282.82 a month; stretching it to 12 drops the payment to about $80.37 but more than triples the interest. Pick the term that fits your budget first, then request $800 online.
- 3 months at 36% APR: about $48.46 in interest
- 12 months at 36% APR: about $164.44 in interest
- $48 is all U.S. Bank charges on an $800 Simple Loan
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$800 by Term: Payment vs. Interest
Equal monthly payments, no fees included. 36% is the Military Lending Act cap; 99% is an example of high-cost pricing.
| Term | Monthly at 36% APR | Interest at 36% | Monthly at 99% APR | Interest at 99% |
|---|---|---|---|---|
| 3 months | $282.82 | $48.46 | $311.83 | $135.49 |
| 6 months | $147.68 | $86.08 | $174.37 | $246.22 |
| 9 months | $102.75 | $124.75 | $129.40 | $364.60 |
| 12 months | $80.37 | $164.44 | $107.54 | $490.48 |
Who Lends $800
- U.S. Bank Simple Loan: $48 on $800, paid back in three monthly payments of about $282.67, for existing checking customers.
- Credit union PAL I: $800 is within the $200–$1,000 range at up to 28% APR; over 6 months that's about $144.43 a month before the application fee.
- EarnIn: $1,000 per pay period at $200 a day means $800 takes at least four days.
- Out of reach: products capped at $500, such as Dave, Chime MyPay and Balance Assist, can't cover $800 on their own.
Paying Off $800 Early
With simple interest, paying early cuts the cost. On a 12-month $800 loan at 36% APR, clearing the balance right after the sixth payment means paying about $117.60 in interest instead of $164.44, a saving of about $46.84. Check your agreement for a prepayment penalty before you count on it.
Why $800 Is Rarely a Single-Payment Loan
Only a few states allow a payday loan this large, among them Delaware, which allows up to $1,000 per loan, and Indiana and Wisconsin, where income limits apply. Even where it's legal, $800 at $15 per $100 means $920 due in one payment. Most lenders offer $800 as an installment loan instead.
$800 Loan Questions
Where can I borrow $800 instantly?
No lender can promise instant approval. U.S. Bank customers who qualify get Simple Loan funds within minutes; online installment lenders usually fund within a day or a few business days of signing.
How can I get 800 dollars fast?
Have your ID, proof of income and bank details ready, request it once through LendUp, and compare the offers by total of payments. A shorter term keeps the cost down if you can handle the payment.
Is it better to repay $800 in 3 months or 12?
If you can afford about $282.82 a month, 3 months costs far less: about $48.46 in interest at 36% APR, versus about $164.44 over 12 months.
Does bad credit change what $800 costs?
Yes. Lenders that weigh income and bank history may still approve you, but at a higher APR. At 99%, a 12-month $800 loan costs about $490.48 in interest, so the term matters even more. Installment loans with bad credit.
Pick your $800 term and apply
LendUp is free to use because lenders pay us. One request, no obligation, and the full cost is shown before you sign.
Other Loan Amounts
Sources
- U.S. Bank - Simple Loan
- 12 CFR 701.21 - NCUA rules for payday alternative loans
- EarnIn
- Dave - ExtraCash account
- Chime - Fee and cost schedule (MyPay)
- Bank of America - Balance Assist
- Delaware Code Title 5, Chapter 22, Subchapter III
- Indiana DFI - Small loan law brochure
- Wisconsin DFI - Payday loan consumer guide
- CFPB - Military Lending Act (MLA)
- CFPB - What are the costs and fees for a payday loan?