- At $15 per $100, a two-week $500 payday loan costs $75.
- Apps may advertise up to $500, but most new users get far less.
- A credit union PAL for $500 over 3 months costs about $24 in interest plus up to a $20 fee.
Ways to get $500
| Option | Realistic for $500? | Approximate cost |
|---|---|---|
| Payday loan | Yes, where state limits allow | $50–$150 for 2 weeks |
| Cash advance app | Only for established users with high deposits | Fees and subscriptions; $500 is usually the maximum, not the norm |
| Credit union PAL | Yes, for members | About $24 interest over 3 months + up to $20 fee |
| Installment loan | Yes | Depends on APR and term |
| Credit card cash advance | If your limit allows | Fee + higher APR from day one |
$500 payday loans
Many states that allow payday lending cap a single loan around $500, so it is one of the most common amounts. Payday lenders commonly charge $10–$30 per $100 borrowed. At $15 per $100, a two-week loan works out to about 391% APR. On $500, that is $75 for two weeks. Rolling it over even twice adds another $150.
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$500 cash advance with no credit check
Several apps advertise advances “up to $500”, but limits start low and grow with your direct deposit history. Payday lenders typically do not check FICO scores but do check specialty databases. See what “no credit check” really means.
Make $500 cost less
- Borrow only what you need; $300 costs less than $500.
- If you need longer than one pay period, an installment loan or PAL is usually cheaper than rolling over a payday loan.
- Check whether a biller will accept a payment plan for part of the amount.
Amounts, fees and terms depend on your state. Some states ban payday loans or cap rates at 36%, so lenders do not offer them there. See payday loan laws by state.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
How can I get $500 fast?
A payday or installment loan from a licensed lender, a credit card cash advance, or a credit union PAL if you are a member. Apps can reach $500 for established users.
How much does a $500 payday loan cost?
At a common fee of $15 per $100, $75 for two weeks. Fees range from about $50 to $150 depending on the lender and state.
Can I get a $500 cash advance with no credit check?
Payday lenders and cash advance apps generally do not use FICO scores, but most check specialty databases or your bank history.