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Small Loans – 200, 300, 400, 500 With Installment Repayments


Small cash loans for 200, 300, 400, 500 and up to 1000 dollars are extremely common and sought after by online borrowers and applicants in the new Internet lending market, and we have not really focused on these kinds of small loans yet here at Californialoanfind.com. We have always recommended avoiding payday lenders and that is why we recommend getting a normal installment loan with normal payments over 12 months to 24 months (2 years).

In fact our editors have mostly filed applications away if they were below $1000 or $2000. So we are now going to start posting these applications at CLF.

One of the reasons we didn’t focus much attention on borrowers who are applying for small loans in the range of $200 – $1000 is because the APR charged by these lenders is usually astronomical.

The providers of small loans are usually charging rates between $10-$30 for every $100 they lend out online or from their store fronts, and the cost to their customers when they roll their loans over a month is insane frankly.

So we didn’t want really promote these lenders here. Unfortunately, we have to face the fact that these kinds of loans are going to be around long into the future, so we can at the very least track down, review, recommend the fairest small loans online. As per the norm here at CLF, we will include an application from a borrower who was looking for a small loan in the 200-500 dollar range, and we will include the costs of the loans calculating from one particular lender that we are close to recommending for this kind of product.

Small Loan Paid Back in 90-100 Months – 3 Mo. Installments

The other request that this borrower was looking for was that she needed to pay the cash back over a 90-100 day period. This is one of the reasons we directed her to this particular lender, because their specialty is providing small loans between $50-$1000 to consumers in most of the States. Our borrower lives in California of course, so this lender worked for her.

This lender allows their customers to pay back their loan over a 90-100 day period, and actually sometimes longer if the borrower rolls over, but you just don’t want to even go there because the fees start to spiral out of control. DON’T roll over please!

At the bottom of this post we outline the costs of the different loan amounts, and what each one of them costs for the full term of the advance. We use the same lender in this entire entry. We use the following advance amounts;

  1. $100 small loans
  2. $200 small loans
  3. $300 small loans
  4. $200 small loans
  5. $200 small loans

Small Loan for $200, $300, $400, $500 – Lender Comparisons and Brokering

We were looking for a lender that acts as a broker between applicants and lenders – one that had an up-to-date database that compared interest rates of the all the small loan providers, and gave our borrowers the lowest APR possible at the time of the application being processed. We will get into the details of the lender we used for this applicant below, but first let us get into the actual short-form request first. We will use a table format below for all of the borrower’s data.

This borrower lives in the suburb of Inglewood which is Los Angeles, and works for a small florist in the area. She’s a manager so she is making a decent living at a little over $2600 take home pay a month. Her DTI is reasonable, and her FICO score is not that bad either after checking with Experian, TransUnion, and Equifax. These credit bureaus are the the main three credit reporting agencies you need to be aware of. With that information know, she went ahead made this quick request for a small loan.

Small Cash Loan for $200, $300, $400, $500 – Installment Pay Back Over 90 Days

Here is the pre-app for the borrower and it has some details one why she wanted the loan and why she only needed a small amount deposited into her checking account. Keep in mind that she did not care if the lender used the Teletrack system because she has a clean record with lenders.

You want also understand your normal credit rating is not the only parameter that lender use when they are processing a rather small loan request such as the ones we’re discussing today.

They will usually use the Teletrack system first and then look at their conventional credit rating resources and make a qualification decision based on both sets of data.

Of of the biggest problems this small loan provider come across is there are unscrupulous borrowers that are trying to perpetuate a scam on them by never intending to pay back the loan – ever. This the reason why the APR on small cash loans is so high. The lenders are trying to limit their liability on their out-going debt load in comparison with their incoming repayment from customers. It’s not always the case that the lenders who deal in these loan products are the ones taking part in a predatory scam.

You have to be aware of what these small loans can cost in interest, and after reading this information and studying the tables you will know how much money you will be paying back on any small advance ranging between 100 and 1000 dollars. Our business to try and keep borrowers informed, and prepared for the interest they are going to be on the hook for when it comes time for repayment – you don’t want any surprises when it comes to your bank account(s) and you want to fully appreciate the fee structures of all the lenders you apply with.

So now that we have seen the application from the borrower, we want to look at what this particular lender charged her in the way of fees and interest on the loan. The lender in this case is 100dayloans.com and we are using the information and fee structure data from their site to figure the cost of this all out for the different possible small loans. This may change of course because we don’t have any real control of their web site – I’m sure you get that!

So this table here shows what you are actually likely to pay for a loan between $100-$500. The table below shows how much you would be paying in APR. Some fee structure as below, but you can see the actual annual percentage rates being applied on these small notes.

Can you see the pattern here? Like all of the lenders we review or point out at CLF, we want to see the actual detail in regards to the APR on the loan, and especially with these smaller loans. You can see that there are three key APR numbers to keep your eye on – 180%, 252%, and 312%.

Now these APR amounts can climb even as high as coming in at over 500%. You avoid this kind of interest by NEVER being late on repayment and making sure none of your checks ever bounce. We always recommend that you avoid taking out loans repeatedly unless you are very confident in your future earning projections.

This lender is actually a middle of the road company in regards to you costs on their small loan products – there are some companies that approve loans 100% online and they never charge less than $30 for every $100 borrowed, AND then you start ticking the interest UP from there! Once again though, a reminder is in order here. Online payday loan companies are targeted by scammers know as loan skippers who give false information and keep moving physically and electronically so avoid getting caught. This is why 100% online lenders charge such high rates.

Hope this helps you understand your options when getting a small loan, and we recommend using our installment loan option here on this page for $100 – $1000 on first loan (choice #3) – monthly payments for up to 2 years on these products.

Small Loan Application Example:

Applicant varying amount to be deposited into her checking or savings account.

Small Cash Loan Amount :: 200, 300, 400, 500 or up to one thousand if I can get approved for this.

Small Cash Loan Speed :: I need at least $500 dollars quickly, but I could use any amount really at this time.

What City/Town, State, and County do you live in? :: Los Angeles, California in Inglewood

Zip :: 90305

Active duty military personal? :: No

What is your employment industry and how long in this field – detail please? :: I have worked in various retail stores such as Home Depot and Lowes and now I work
for a small florist company L.A. – they sell organic florals and silk arrangements. I have been with the same employer for 4 years now and presently don’t have any
plans to leave this job. In other words, you will be certain to get this small advance paid back with interest on time.

Employment Position :: Store manager

When are you paid? :: Monthly – Last Thursday of each month

What would you consider your credit rating to be – excellent, great, good, fair, bad? :: Fair

How did you find us? :: Yahoo! search tool

Bank name :: Wells Fargo

Bank branch :: South Market Street

How are you paid? (eft, direct deposit, paper check) :: Paper check

Gross Amount Per Paycheck :: $2600

Do not include ABA or bank routing numbers here. This is for your personal security. Do not enter social security numbers here. Do you agree to have this application information published online with your PRIVATE info removed? :: You were more than welcome to go ahead with the application on CLF – of course I need to you to
redact any of my critically personal information.

Any extra information here please :: I need this small loan to be done really fast because it’s being used to pay for some clothing I need for my kids. They are so due for some new clothes and I promised them I would take them shopping this weekend. If I could get even $300-$500 dollars that would make it for me and my children.
These are not expensive clothes but rather just the basics. Luckily my daughter and two boys are not that caught up in designer labels or anything like that.

Note to Lender – Please add any information you are comfortable with sharing regarding this loan :: I checked my credit rating here at CLF using the link at the top of the page for getting your credit score delivered by email. I was surprised to find out that my credit rating was actually pretty good even after I missed one payment on my Wells Fargo credit card last summer.

Have you ever defaulted or bounced a check with a payday cash advance loan in the past? :: No – I would never completely walk away from my financial responsibilities. Back to top of page

Small Loan Fees – $100, $200, $300, $400, $500

These are the different fees that are associated with all five small loan amounts.

Loan Amount
Lowest Fee
Medium Fee
Medium Fee

$100
$15
$21
$26

$200
$30
$42
$52

$300
$45
$63
$78

$400
$60
$84
$104

$75
$105
$130

As you see above in the table these are the fees, and the table below shows the APR on all of these smaller loan amounts.

Small Loan APR (interest) – $100, $200, $300, $400, $500

APR (annual percentage rates) for the five loan request under $500

Small Loan Amount
$100
$200
$300
$400
$500

Lowest APR
180%
180%
180%
180%
180%

Medium APR
252%
252%
252%
252%
252%

Highest APR
312%
312%
312%
312%
312%

Lowest Repaid
$115
$230
$345
$460
$575

Medium Repaid
$121
$242
$363
$484
$605

Highest Repaid
$126
$252
$378
$504
$630

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Do You Need a Personal Loan Approved Today? Use the comment form below to alert our lenders of your requirement - use your FIRST NAME ONLY for this initial pre-app loan request.

Use the comment box at the bottom of this page and tell us,

- how much you need to borrow
- what type of loan product you need
- what City and State you reside in
- what your credit score numbers are
- how quickly you need the loan

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is never compromised.

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Thanks for visiting Californialoanfind.com ;-)


BELOW IS A LOAN CALCULATOR FOR CARRYING OUT SOME LOAN CALCULATIONS-------------------------------------------- Enter the loan amount, year of term, interest rate, and payment periods (14 for biweekly, 30 for monthly, 7 for weekly. Very helpful so you know exactly what the loan will cost you in interest payments and you will know the total COB (cost of borrowing).
Loan Amount:

Interest:

Years:

Days between payments:
30 for a Month, 7 for Week
and 14 for Bi-Weekly. Easy!


When filling out your initial loan request, use FIRST NAME ONLY and NO PHONE NUMBERS please. This is for your privacy and security. Thank you for using Californialoanfind.com!

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24 Pre-apps

  1. Jennifer wrote:

    $1000- what type of loan you need
    California- what State you live in
    10/21/2011- how quickly you need the loan

    I need this loan to stay on track after my roomate left without a 30 day notice. I do have poor credit and a bankruptcy on my record and I am working really hard to improve my credit score. That is the reason I am looking for a small loan. I plan to pay in installments and plan to do it within 6 months.

  2. Yvonne wrote:

    2000-how much you need to borrow
    personal loan-what type of loan you need
    California-what State you live in
    As soon as possible-how quickly you need the loan

    I recently lost my job and am in need of $2000 to pay my rent, insurance, registration and other bills that are coming up. I would have had the money saved prior to this unexpected dilemma, but I was in a car accident right after losing my job, and I am now paying for the repairs on my car. I hope to pay back the loan in 100 days at least. Any help will be much appreciated.

  3. Sherri wrote:

    $4000 – Personal Loan
    California
    10/23/2012

    I need the loan to pay my rent and car paymnet. I lost one of my income streams which made me late with my rental payment. I have received an eviction notice and I do not want to move as my son will be graduating in May of 2013. I am again seeking a another income stream to replace the one that was lost, my annual income is $41880.00, I just need help until I receive my annunity, they are currently seeking a buyer for me now, I am not sure how much longer it will be. Please help me, I can verify my retirement income as well as income I receive from county source. Once I paid my last bills I got behind, this $4000 will bring me current. Thank you in advance.

  4. Amber wrote:

    need at 2500 loan

  5. Paramjeet wrote:

    I need 100000 $ loan to build a pizza kitchen in side in the existing liquor store thanks .

  6. tim wrote:

    need 300 dollars to repay in 4months to repair car need money in 2 weeks thanks

  7. Lawrence wrote:

    I am a veteran moving into a new place and need 300 dollars TODAY!!! So I can put food in the house
    I live in CT

  8. Breda wrote:

    I am searching for a personal loan in the amount of $2500 with a 24 month pay back as quickly as possible. I live in Kokomo, Indiana, was recently divorced and had difficulty finding a job. I will use the money to catch up on household utilities and maybe have a little left over for a “here to there” vehicle. My current average credit score is 488.
    Thank you for your help.

  9. kate wrote:

    Looking to borrow 5000 for 3’years
    Disabled and we had to move and spend a majority of our monthly income on the move. We have two small children. Now behind on basic bills and repayment of the credit.current creditscore plunged from 600 to 527 due to the situation .we need to also repair a vehicle which would allow my husband to return to work .we live in NH snd we need this loan to get back on the right track. As soon as possible we have steady monthly income of 2270 dollars we can afford monthly payment of 220
    Thank you

  10. Isabella wrote:

    Looking for a quick loan of $10,000. I have two jobs and looking to pay off debt, car and rent.
    I am recently moved to Laguna Hills in California from east coast. I am single mom and my business
    as an insurance which I just started 2 month ago is picking up. I got laid off twice, and decide to work as an entrepreneur. And It is tough, so I Decided to go back. MY license is taking along time to be approved. That is reason I am asking for help. This is a blessing, thank you!

  11. serena wrote:

    Im in a Real crisis. My child’s father discontinued paying me child support this month without any advance notice and now I have no food and my utilities are going to be shut off .i am permanently disabled and when this happened I was already in a crisis so now I’ve gotten worse and I’m feeling very sick from all of the stress which affects my condition before this happened I was on my way to a brighter future pursuing therapy and also a part time job to keep me occupied now I can barely keep it together and I don’t know what to do I have no family to call upon and my bills are adding up first and foremost I need to feed my child and keep the lights on if anyone could help me my credits horrible I have a track record and I don’t know what to do thank you for your consideration

  12. Rose wrote:

    I need a $300.00 dollar loan because I can’t seem to catch a break from my bills and I am tired of eating saimin everyday.

  13. Tyler wrote:

    I’m applying for this loan is becausse I just lost my car but I stilI have 1 day to get it back eith the right amount of money. I’ve tried everytging from fundraisers, and asking friends and family. Please help!

  14. Tyler wrote:

    500 dollar loan
    Nred by tomorrow so I fon’t lose my car

  15. Maurice wrote:

    I really need a loan for 400.00 for a light bill that is due this friday or it will be disconnected. Can you please assist. I am currently working. Thank you

  16. Trel wrote:

    I need $400 that i can pay 6 months.. bills and health issues

  17. Heather wrote:

    I need 5000.00 for my son and his family. Their house was struck by lightening and insurance is going to rebuild it. But in mean time cash is low do to eating out with 3 kids and one the way. Navy doesn’t pay much.(he’s State side) I wish I had the money to help them. I can repay the loan.. just want to help them and feel bad that I can’t

  18. jimmy wrote:

    400 dollar Christmas loan for30 to 90 days

  19. jimmy wrote:

    I need 400 dollar Christmas loan. draw ssdi with direct deposit monthly. please help

  20. Cornell wrote:

    Need 300.oo dollars today for emergency surgery.

  21. Reginald wrote:

    Need 400 for bills

  22. sandra wrote:

    I need 400 today please to cover overdraft in my checking it will take my whole pay check, please help me today so I can get a loan by tomm.

  23. Lance wrote:

    I need a $3000 loan to pay off bills to get back on track. I have very bad credit and earn $62000, per year from a new job i have been on for a year. Willing to make monthly installments to pay off the debt over time.

  24. Russell wrote:

    I ned a $500 loan for an emergency car repair. Already paid the repair, need money for expenses.Would prefer to pay over time.