$500 today. Gone by payday.
A $500 loan for the bill that landed before your paycheck did. Decision in minutes, funds as soon as today, and a single fee you see before you sign.
What you'll repay on payday
Short-term pricing is a flat fee per $100 for the period. Pick your payday to see the total and the exact date.
Fee rate varies by state, $10–$15 per $100 is typical. The agreement shows your exact fee and date.
Get offers for $500$75 fee vs. what it prevents
A short-term loan is expensive per dollar — and still cheaper than most of the penalties it's used to avoid.
If you'd need to roll it over, a 3-month installment loan (≈ $29 interest total) is the cheaper way to borrow $500.
Two ways to borrow $500
Short-term loan
One payment on payday. $550–$575 total. Same-day funding possible. Best if the $500 is a one-off you can clear next check.
3-month installment
About $176 a month at 29.99% APR, $529 total. Next-business-day funding. Best if next paycheck is already spoken for.
$500 loan FAQ
Can I get a $500 loan today?
Often, yes. Decisions come in minutes; agreements e-signed before 10 a.m. local time can be funded the same day with many lenders. Otherwise funds arrive the next business day.
What does a $500 loan cost?
As a short-term loan: typically $50 to $75 in fees for one pay period ($10–$15 per $100), so $550 to $575 due on payday. As a 3-month installment loan at 29.99% APR: about $176 a month, $29 total interest.
Do I need good credit for $500?
No. There's no minimum score to request offers; lenders look at income and your checking account. $500 is the easiest amount to qualify for.
Is a $500 loan a payday loan?
Through Bear Loan it can be a short-term loan (repaid on payday) or a small installment loan. You choose; the short-term option is fastest, the installment option is cheaper if you need more than one paycheck.
What if I only need $300?
Request $300. Borrowing less than you're offered is always allowed and keeps the fee down.
Need $500 before payday?
Request now with a soft credit check. See the fee and due date before you sign.