$500 Loan – Fast Cash Online

Reviewed by the 3BCash Compliance Team · Last reviewed 2026

I need $500 now — if that's where you are, 3BCash offers a $500 loan online with a soft credit check that won't affect your score, a same-day decision if your application is verified by 7:00 PM EST, and money deposited as soon as the next business day. Repayment is fixed installments, not one lump sum, so you know your payment before you commit.

$500 loanfixed-payment installments

Soft credit checkwon't affect your score

Same-day decisionif verified by 7 PM EST

Next business dayfunds if approved

Apply Now Soft credit check · Approval not guaranteed

I Need $500 Now — Here's How Our $500 Loan Works

"I need $500 now" is a specific, common situation, and a 500 dollar loan from 3BCash is built around it: apply online, get a soft credit check that won't affect your score, and receive a fixed payment schedule before you accept anything. Unlike a single-payment payday loan, our $500 loan is repaid over several fixed installments — bi-weekly or monthly, matched to your paycheck — with no rollovers and no prepayment penalty.

500 Fast Cash: Timeline

Apply online

Request your $500 loan any time of day, in a few minutes.

Get a decision

Same day if verified by 7:00 PM EST.

Receive funds

As soon as the next business day, if approved.

500 fast cash doesn't mean instant — it means a fast, honest process: quick application, soft credit check, and a decision the same day, followed by funds the next business day once everything is verified.

$500 Loan With No Hard Credit Check

$500 loan no credit check? Not entirely — we run a soft credit check on every application, which won't affect your score. There's no hard check just to see if you qualify for a 500 dollar loan, but a hard credit check may occur later, before your loan is finally approved.

500$ loan requests with bad credit are common, and we look at income and banking history alongside your credit history — a lower score doesn't automatically rule you out.

Apply Now Soft credit check · Approval not guaranteed

$500 Loans Online, Same Day?

Same day? The decision can be same day if your application is submitted and verified by 7:00 PM EST. The money itself is generally deposited as soon as the next business day — we don't promise the money itself that same day, because verifying your income and banking details responsibly takes a little time. Approval is never guaranteed either way.

What a $500 Loan Costs

As a representative example from our fee schedule: a $500 loan repaid in 16 bi-weekly payments at an APR within your state's legal limit (see rates by state). Your rate, payment amount, and number of payments may differ — this is an example only; confirm your exact terms when you complete the application form.

Other Amounts: $100 to $900

Need a little less or a little more than $500? We offer smaller amounts — see our $100 to $500 cash advance page — and larger installment loans up to $35,000, including our $1,000 loan option. Looking for other ways to raise money quickly instead of borrowing? Our how to get money fast guide covers alternatives too.

$100 $300 $500 $1,000

Who Typically Qualifies

Steady, verifiable recurring income, direct-deposited by your employer into a checking account.
A checking account at least 60 days old in your name.
Gross income of at least $1,500 per month.
At least 23 years old and reachable after work hours.
Not currently in bankruptcy and not planning to file.

See our full borrower requirements. Compare our fast cash loans page if you need a larger amount quickly.

Get your $500 loan decision today

Soft credit check · Fixed payments · Approval not guaranteed

Apply Now

Loans are not available in all states. Questions? Visit questions & complaints or call 866-337-9947, Monday–Friday, 8:00 AM–7:00 PM EST.

Make Room for the Payment in Your Budget

Before you apply, it's worth checking that a $500 loan's payment actually fits your month — a quick worksheet takes less time than the application itself, and it means you'll accept a payment you already know you can afford rather than one you're hoping will fit.

List your income

Add up what actually lands in your account each pay period, after taxes.

List your fixed bills

Rent or mortgage, utilities, car payment, groceries, insurance — the bills that don't change.

Subtract and compare

What's left over is what a new payment has to fit inside, without borrowing again next month.

Income per pay period, after taxes and existing deductions
Fixed monthly bills that come due no matter what
The remainder left over before you consider a new payment
Whether that remainder comfortably covers the estimated payment, with room to spare
Whether any upcoming one-off expense — a birthday, a car registration, a holiday — could crowd out the payment in a future month

Pay It Off Early if You Can

Once your budget shows room, the fastest way to lower the total cost of a $500 loan is simple: pay it off ahead of schedule whenever you have extra. 3BCash charges no prepayment penalty, so an early payoff never costs you anything extra — it only saves you money by cutting the interest that would have accrued on the remaining payments. Even paying a little more than the scheduled amount on a single payment, when you can, chips away at the principal faster than sticking to the minimum every time.

Got a bonus, tax refund, or extra paycheck? Putting it toward your $500 loan balance instead of spreading it elsewhere shortens your payoff timeline and reduces the total you pay, with no penalty for doing so.

Apply Now Soft credit check · Approval not guaranteed

Why Borrowers Choose 3BCash

A direct installment lender since 2007 — clear terms, no surprises.

Direct lender since 2007

Three B Financial, LLC — registered by the Utah Department of Financial Institutions.

A+ BBB rating

We take customer satisfaction seriously.

Soft credit check

See if you qualify without affecting your credit score.

Fixed payments

A set schedule matched to your payday — every payment reduces principal.

No collateral

Unsecured loans from $100 to $35,000.

No rollovers, no prepayment penalty

Pay off early and save — no hidden fees.

Same-day decision

If your application is verified by 7:00 PM EST.

Next business day funds

If approved, money is deposited to your bank account.

Apply Now Approval not guaranteed · Loans are not available in all states

Related Loan Options

Frequently Asked Questions

Can I get a $500 loan today?

You can apply for a $500 loan today, and if your application is submitted and verified by 7:00 PM EST and approved, you'll have a decision the same day. Funds are generally deposited as soon as the next business day — we don't promise the money itself that same day, since verification takes a little time.

Do you do a credit check for a $500 loan?

We run a soft credit check first, and that step won't affect your credit score. There's no hard credit check just to see if you qualify, though a hard check may occur later, before your loan is finally approved.

How much is the payment on a $500 loan?

As a representative example, a $500 loan repaid in 16 bi-weekly payments carries an APR within your state's legal limit — see rates by state on our fee schedule. This is an example only; confirm your exact payment amount and terms when you complete the application form.

Can I get $500 with bad credit?

Yes. We look at steady income and an active checking account rather than requiring a high credit score. Our soft credit check won't hurt your score, though approval is never guaranteed and depends on your full application.

Representative examples. A $500 loan repaid in 16 bi-weekly payments at 36% APR has payments of $35.05 and a total of payments of $560.87 (finance charge $60.87). The same $500 loan at 145% APR has payments of $48.05 and a total of payments of $768.78 (finance charge $268.78). A $1,000 loan repaid in 16 bi-weekly payments at 36% APR has payments of $70.11 and a total of payments of $1,121.74 (finance charge $121.74). These are examples only — your APR, payment amount and number of payments depend on the law of your state, the loan amount and your application; confirm your exact terms when you complete the application form. See rates by state.

Rates and availability. Loans from $100 to $35,000 with terms from 7 days to 12 months. Rates and fees are standard and stay within the limits set by the law of the state where the loan is made. Loans are not available in all states. Approval is not guaranteed; the amount you qualify for depends on your income and application.

Credit check. We start with a soft credit inquiry that does not affect your credit score; a hard credit inquiry may be made before final approval. 3BCash does not report your payments to credit bureaus.

Funding. If your application is received and verified by 7:00 PM EST on a business day and approved, funds are generally deposited into your bank account the next business day. Availability of funds may depend on your bank.

Repayment. Loans are repaid in fixed installments with part of every payment going to principal. No rollovers and no prepayment penalty. Late or returned payments may result in fees permitted by your state's law and collection activity — contact us before a payment is due if you expect difficulty paying.

Right to cancel. You may cancel your loan without any finance charge by sending written notice by fax or email by 5:00 PM Mountain Standard Time on the next business day after your loan is made.

Responsible borrowing. Installment loans can be an expensive form of credit and are meant for short-term financial needs, not as a long-term financial solution. Borrow only what you can repay.

Military borrowers. We comply with the Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents; in general, the cost of consumer credit to a covered borrower may not exceed a 36% Military Annual Percentage Rate. See Licenses & Disclosures.

Equal Credit Opportunity. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Questions or complaints. Call 866-337-9947 or email [email protected]. Utah residents may contact the Utah Department of Financial Institutions at 801-538-8830. You may also submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov.

Three B Financial, LLC (3BCash) · 1108 E South Union Ave, Midvale, UT 84047 · Mailing: PO Box 154, Culpeper, VA 22701.

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