How to Get a $900 Loan Quickly
Whether you’re coming up short on rent, facing a car repair, or need to cover essentials, $900 can go a long way.
In this guide, you’ll learn:
- Where to get a $900 loan — online and in person
- What to expect with approval and funding times
- Alternatives to borrowing
- Tips to improve your financial situation
Where to get a $900 loan today
As with any type of loan, these options are subject to approval and funding times may vary — but if you qualify, they could be a quick way to get the money you need as soon as today.
Installment Loan
Installment Loans are one of the most common $900 loan options. If approved, you’ll receive a lump sum upfront with the option to repay the loan over time in monthly installments. Best of all, you can complete the entire process — from application to funding and repayment — online.
Prefer to apply in person? That’s easy too!
Bank or credit union loans
A traditional loan from your bank or credit union will typically offer the most competitive interest rates, but they have more stringent credit requirements. If you have fair-to-poor credit, you may not qualify. Plus, these loans take several days to process, so they aren’t ideal when you need a $900 loan today.
Credit card advance
If you already have a credit card, you may be able to request a cash advance based on your available credit limit. This allows you to withdraw cash from an ATM, bank, or credit union without filling out a new application.
Many major credit card companies, like Capital One and Chase, offer this feature. But keep in mind: interest rates and fees for credit card advances are usually higher than those for regular credit card purchases, and they often begin accruing immediately.
Note: This is different from an Advance America Cash Advance, which is a short-term, small-dollar option designed to help cover everyday expenses. Our Cash Advance loans usually don’t go as high as $900 but may still provide the support you need.
Line of Credit
Opening a personal Line of Credit with Advance America is one of the fastest, most convenient ways to get the cash you need.
All it takes is one application. Once approved, you can tap into your available funds as often as you need — whether that means taking out $50 for gas or $900 for rent. Think of it as an on-demand cash advance.
Available amounts vary by applicant. If approved, your credit limit will be based on your application and ability to repay. But as long as you have available funds and make on-time payments, you can advance any amount up to your limit without reapplying each time.
Title loan
If you own your car, a title loan could be an option to access $900 or more. This type of loan uses your vehicle as collateral, which means you can keep driving your car while you repay — just like normal.
The amount you’re approved for depends on your car’s value. But remember: the lender can take possession of your vehicle if you’re unable to make payments. As with any loan, it’s important to weigh the risks and make sure it’s the right fit for your situation.
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$900 loans for bad credit
Even if you have bad credit, you may still have options. Some loans are specifically designed for borrowers with fair, bad, or no credit. What’s more, we base our approval decision on factors beyond your credit score, such as your employment and income.
Here’s how the process works:
- Determine which $900 loan is right for you. Installment Loans and Lines of Credit are often the only products offering larger loan amounts.
- Start your application. It’s super easy and takes just minutes to complete!
- We’ll assist you with the application steps, including what you need to apply.
- Review the loan application agreement to make sure you understand the terms and can afford the payments.
Once you submit your application, we review it instantly so you can get your funds as soon as possible.
Alternatives to getting a $900 loan
If you don’t want to take out a $900 loan, here are some options that might be worth considering:
- Ask your employer for overtime or a payday advance. This can be a good option for reliable employees with a long track record at work.
- Borrow from friends or family members. Although you’re still technically borrowing the money, borrowing from friends and family usually doesn’t come with added interest.
- Start a side hustle. Getting $900 through a side hustle may take some time, but it’s a good way to earn extra money to save for future emergencies.
- Credit card rewards programs. Many credit card providers have special deals where if you spend X amount of dollars in a certain amount of time, you’ll get bonus reward points. You can then convert these points into cash.
- Give blood or plasma. Depending on where you live, hospitals and health centers will pay when you donate blood or plasma. If you’re a rare blood type, you might even make several hundred dollars per week.
Tips to improve your financial situation
If you’ve ever found yourself needing a same-day $900 loan, you’re not alone — and there are steps you can take to feel more confident about your financial future. Here are a few habits that can make a big difference:
- Build a budget that helps you stay on top of your spending
- Focus on paying down debt, even if it’s a little at a time
- Cut back on things like takeout or impulse buys when you can
- Make on-time payments to strengthen your credit over time
- Start an emergency fund to help cover the unexpected
FAQs about borrowing $900
Does a $900 loan require a credit check?
When you apply for a loan from a traditional lender like a bank or credit union, they will check your credit. However, if you apply through online lenders like Advance America, no credit check is required.
Should I get a $900 loan online or in-store?
It really doesn’t matter if you secure your $900 loan online or from an in-person lender. Online loans are much more convenient and easier to manage than if you get one in person. Just make sure that you’re borrowing from a reputable and trustworthy lender, as there are online scammers to watch out for.
Can I get a $900 loan without a job?
Most lenders won’t approve you for a $900 loan unless you have a job or another form of steady income. For example, you might qualify if you don’t work but receive Social Security or disability benefits.
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Notice: Information provided in this article is for informational purposes only. Consult your attorney or financial advisor about your financial circumstances.
About the author
Jalin Coblentz has contributed to Advance America since 2023. His experiences as a parent, full-time traveler, and skilled tradesman give him fresh insight into every personal finance topic he explores.