Get Your $900 Loan Today

$900 Dollar Loan Overview

What it is

A $900 dollar loan gives quick access to cash for unexpected bills. Most offers are unsecured personal loans, so you don’t pledge collateral. Secured options exist, but they use your car or savings as backing.

Feature	Details
Loan amount	$900 fixed principal
Repayment term	3–24 months, equal installments
APR range*	6.00%–35.99% (personal installment)
Funding speed	Same-day push-to-debit; next-business-day ACH
Credit check	Soft pull to prequalify; hard pull at signing

*State caps apply; payday products can exceed these rates where permitted.

How Same-Day Works

Lenders that offer instant decisions can transfer funds to your debit card in minutes if you complete your e-signature before their cutoff time, typically between 10:30 a.m. and 2 p.m. on weekdays. ACH deposits generally arrive the next business day, though timing shifts if you apply after banking hours or during holidays.

Uses and how LendUp helps

You might cover car repairs averaging $500–$1,200, urgent medical copays, utility reconnection fees of $100–$300, or a rent shortfall. LendUp connects you to multiple lenders across all 50 states, matching your profile in seconds and streamlining applications without multiple credit pulls.

LendUp Lender-Match Process for $900 Personal Loans

How it works

Apply once on LendUp and your request is shared with multiple vetted lenders in the LendUp network. This spares you from repeating forms on several sites. Many lenders use a soft credit check at prequalification, so your score isn’t impacted. You can compare offers side by side—rates, repayment terms, and fees—before choosing.

LendUp is a lending platform, not a direct lender, and it doesn’t fund loans. Approval rests with each lender and your financial profile. Submitting through LendUp doesn’t guarantee an offer or approval. After reviewing options, you select the terms you prefer and complete your $900 loan with that lender.

Key details

• Application time: 5-10 minutes
• Lenders: Multiple partners
• Credit check: Soft inquiry for prequalification
• Loan amounts: $100 to $5,000 depending on lender
• Decision time: Instant to 24 hours

Eligibility Checklist and Requirements in the U.S.

To request a $900 loan through LendUp, you must meet baseline rules. You need to be at least 18, or 19 in Alabama and Nebraska, or 21 in Mississippi. Have a government-issued photo ID such as a driver’s license, state ID, or passport, and a valid SSN or ITIN.

Income must be verifiable. Many lenders look for minimum monthly income between $800 and $1,500, from wages, Social Security, disability, or pension. You also need an active checking account in your name for deposits and repayments, plus a working phone number and email so lenders can contact you.

State and lender rules

Availability varies by state. Arkansas, Georgia, New York, Vermont, and West Virginia restrict small-dollar loans. Lenders may require no bankruptcies in the past 12 months, no outstanding payday loans, and a debt-to-income ratio under 50%. Some may call employers or require 3-6 months on your current job.

Rates, APR, and Total Cost on a $900 Loan

Your APR depends on your credit, income steadiness, and the lender you’re matched with through LendUp. Excellent credit 720+ often starts around 5.99% to 9.99%. Good 680–719 typically runs 10% to 18%. Fair 580–679 is commonly 18% to 25%. Poor credit may reach the state maximum, often up to 36%.

Fees that affect cost

Origination fees run 1% to 8% — $9 to $72 on a $900 loan. Late fees are usually $15 to $39, with some states capping at $25. NSF or returned payment fees average $30 to $35. Most personal loan lenders don’t charge prepayment penalties, so paying early can reduce interest.

Sample costs

Credit Score	APR	Term	Monthly Payment	Total Interest	Total Cost
Excellent (720+)	7.99%	12 months	$78.25	$39	$939
Fair (580-679)	24.99%	12 months	$85.26	$123.12	$1,023.12
Poor (Below 580)	35.99%	12 months	$89.55	$174.60	$1,074.60

*Illustrative example; actual APRs offered through the platform vary by state, credit profile, and lender and may not be available in all jurisdictions.

Step-by-Step Application to Secure $900 Today

Getting your $900 loan starts with a quick prequalification. You'll submit basic information—your name, address, Social Security number or ITIN, income details, and bank account. LendUp runs a soft credit pull through Experian or TransUnion, which won't affect your score. This takes about two minutes.

Review Your Offers

Next, you'll see real-time offers from FDIC-insured banks and state-licensed lenders. Compare the APR, loan term, origination fees, and total repayment amount. Take your time reviewing these details before you commit.

Complete Verification

Upload a government ID and your most recent pay stub, or link your bank account through Plaid. Then e-sign the Truth-in-Lending disclosure. This step usually wraps up in five minutes.

Choose How You Get Paid

Pick ACH transfer for next-business-day funding if you sign before 10:30 a.m. Central. Push-to-debit often delivers funds in under 30 minutes, though weekend timing varies. Some lenders also offer cash pickup at MoneyGram locations.

Prevent Common Delays

Use your legal name exactly as it appears on your ID and bank account. Double-check routing and account numbers. Answer your phone—lenders may call or text a one-time code within 15 minutes. Sign before the lender's cutoff, often noon local time, to maximize same-day odds.

Funding Speed: Same-Day and Next-Day Deposit Options

After a matched lender approves your $900 loan and you accept the terms, most aim to deposit funds within one business day. Many provide next-day funding via ACH direct deposit to your checking account, but the timing depends on when you complete final verification and e-sign your agreement.

Cutoff times and business days

Same-day funding is possible if you finish before the lender’s cutoff, typically between 10:30 a.m. and 2:30 p.m. Eastern Time on weekdays. Applications completed after cutoff times or on weekends and federal holidays move to the next business day. Banks usually need 1-2 hours to post ACH transfers, so funds sent at 2:00 p.m. ET may appear by 5:00 p.m. the same day.

Instant card or wire

Some lenders offer instant Visa or Mastercard debit card deposits for fees of $15-$30, delivering your $900 within 30 minutes, 24/7. Wire transfers are another expedited option, typically completing in 2-4 hours for $20-$50, though availability varies by lender.

Repayment Terms, Schedules, and Early Payoff

Payment frequency and terms

For $900 loans, most lenders set monthly payments; some offer biweekly to match your paycheck. Terms typically run 3 to 12 months, with 6 months most common. At 36% APR over six months, expect about $165 per month. Shorter terms raise the payment but cut interest—a 3-month term may be about $315 monthly and save around $45 versus a 12-month term.

Autopay and payment management

Enrolling in autopay from your checking account helps avoid late fees, which often run $15 to $39, and many lenders give a 0.25% to 0.50% APR discount for it. Some allow one due date change per year or a 5 to 7 day grace period before fees. If trouble is ahead, contact the lender to ask about hardship options or deferrals.

Early payoff benefits

Paying early reduces interest because most lenders use simple interest calculated daily. Clearing a $900 balance two months ahead could save $30 to $60. Before making extra payments, confirm there’s no prepayment penalty; federal law bans prepayment penalties on personal loans with terms longer than 61 months.

$900 Loan Options Compared: Payday, Installment, Credit Card

Before you borrow $900, compare APR, fees, timing, and how each option affects your credit.

Payday loan

Typical APR runs 391%-600% with repayment due in 2-4 weeks. Lenders charge $15-$30 per $100, so on $900 you would owe $1,035-$1,170 by your next payday, often within two weeks. Most do not report on-time payments to credit bureaus. Rollovers add new fees and raise your costs.

Installment personal loan

APRs usually range 5.99%-35.99% and can reach 36%+ for weaker credit. Terms run 3-24 months with fixed payments and credit reporting. A $900 loan at 24% APR over 12 months costs $1,018 total.

Credit card cash advance

Expect a 3%-5% fee ($27-$45 on $900) and APR around 24.99%-29.99% with no grace period, so interest starts right away. Activity is reported and higher utilization can lower your score by about 10-30 points. Flexible repayment, but carrying a balance gets expensive fast.

Bad Credit Options for a $900 Loan

What Lenders Evaluate

Bad or limited credit won't automatically disqualify you. Many lenders in the LendUp network prioritize steady income, direct-deposit patterns, and recent bank activity alongside your credit score. They typically review your last 30 to 90 days of deposits, average daily balance, and current obligations to determine whether you can repay $900. Fewer overdrafts, an active checking account, and a reasonable debt-to-income ratio strengthen your application.

• Minimum monthly take-home pay: $1,200–$1,500
• Target DTI: below 50%
• No open bankruptcies or unpaid payday loans

Prequalify Without Impacting Your Score

Start with a soft credit inquiry to view estimated rates and payments without affecting your credit. Upload recent pay stubs or bank statements, verify your employer details and pay frequency, then correct any errors before signing electronically. If approval seems uncertain, consider requesting a smaller amount, documenting verifiable side income, or waiting for overdrafts to clear before you submit your application.

Affordability Check: Can You Repay a $900 Loan?

Review your budget

List post-tax income and fixed costs like rent, utilities, groceries, and transportation. What remains is your room for payments. Keep loan payments under 20% of discretionary income. If less than $200 is left each month, a $900 loan may strain your cash flow.

Check your DTI

Add all monthly debt payments and divide by gross monthly income. Many lenders look for 43% or less, some up to 50% for qualified borrowers. Example: $3,000 income and $1,200 debts equals 40% DTI. A $150 payment lifts it to about 45%.

Estimate payments

At 24% APR, a $900 loan is roughly $163 per month for 6 months or $90 for 12 months. Total interest runs about $78 over 6 months or $180 over 12. Add 1–8% origination fees ($9–$72).

Keep a buffer

Try to keep at least $500 in emergency savings while repaying. Set aside 10–15% of income for surprises. Late payments often cost $25–$39.

FAQs: $900 Loans with LendUp in the United States

What are my chances of being approved for a $900 loan?

Lenders typically approve applicants who earn at least $1,200 net monthly income and maintain a debt-to-income ratio under 45%. Approval isn't guaranteed and depends on your complete financial profile.

Do lenders perform any credit checks?

Pre-qualification involves a soft credit pull that won't affect your score. Once you sign the loan agreement, the lender performs one hard inquiry that may temporarily impact your credit.

Do I need to provide a proof of income?

You'll need to upload two recent pay stubs or provide 60 days of bank deposit records. Self-employed borrowers filing 1099 forms can submit a profit-and-loss statement instead.

Can I borrow $900 on weekends?

Loans processed before 3 p.m. can reach an eligible debit card within minutes, including Saturdays. ACH transfers typically post the next business day.

What if I miss a payment?

Late fees differ by lender but often run around $15 or 5% of the missed payment. You can pay off your loan early without penalties.

Does LendUp work in my state?

LendUp services aren't available in Connecticut, DC, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Vermont, or West Virginia because of state lending caps.