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Borrow $3,000 and $4,000 Loans At The Best Rates

If you are looking to borrow $3,000 or $4,000 online, Pheabs can get you an instant approval in less than 5 minutes. Simply enter your details using our form provided and we can connect you to the best loan offer possible - with bad credit and no credit options too. Simply click on ‘Get Started’ to begin and receive funds today or in 1 hour if successful!

How to Borrow $3,000 or $4,000

Apply Online in 3 Simple Steps

Step 1

Complete our online form in under 5 minutes, entering how much you wish to borrow and how long for

Step 2

Get an instant approval on the screen with a loan offer from one of our partners. You will receive a formal loan offer by email and you can electronically sign (eSign) the loan terms to proceed

Step 3

After further checks, your loan can be fully approved and funded within 1 hour, 24 hours or the next business day

How Much Does it Cost to Borrow $3,000?

Good credit: Borrow $3,000 over 3 years, total interest paid $285.57, total $3,285.57, based on APR of 6%

Fair credit: $3,000 loan repaid over 3 years, total interest paid $1,013.67, total $4,013.67, based on APR of 20%

Bad Credit: Borrow $3,000 repaid over 3 years, total interest paid $1,946.81, total $4,946.81, based on APR of 36%

How Much Does it Cost to Borrow $4,000?

Good credit: Borrow $4,000 over 3 years, total interest paid $380.76, total $4,380.76, based on APR of 6%

Fair credit: $4,000 loan repaid over 3 years, total interest paid $1,351.56, total $5,351.56, based on APR of 20%

Bad Credit: Borrow $4,000 repaid over 3 years, total interest paid $2595.75, total $6,595.75, based on APR of 36%

Can I Borrow $3,000 or $4,000 With Bad Credit History?

Yes, it is possible to get a $3,000 or $4,000 loan with bad credit or very poor credit. At Pheabs, we work with a number of competitive lenders across America who are willing to take different credit histories into consideration.

To be eligible, you need to make sure that you are fully employed, either part-time or full-time and earning a regular wage so that you can afford to make repayments on time. If you are unemployed, this will make it tricky to get the loan you need, since lenders need some reassurance that you will pay on time.

Very often, when you are looking to borrow a large sum with poor credit, the interest rate might just be a little higher to manage risk – or perhaps your loan will be a little longer term to give you more breathing space, such as being able to borrow over 6, 12 or 24 months.

Furthermore, if your credit score is not good, you may be able to borrow money today, but using collateral or assets that you own. If you can use your car or your property as leverage, you could be eligible for a secured loan, helping you to borrow the money you need.

Do You Offer $3,000 Loans with No Credit Checks?

The lenders we have partnered with will usually run a credit check on your account to make sure that you do not have other loans outstanding and can afford to repay your loan without falling into financial difficulty.

However, if you are not eligible on this basis, we may be able to assist with a number of no credit check loans. With loans from a credit union, secured loan or title loan, these often pass the standard credit checks and instead check your eligibility based on the value of your car, vehicle or the state of your employment.

So do not be turned off from applying for a $3,000 loan just because of credit checks or bad credit – we have more than enough options at Pheabs to help you get the loan you need.

What is the Eligibility Criteria?

To get a $3000 loan, you will need to meet the criteria below:

  • Over 18 years old
  • A stable employment with a regular income
  • Must be a U.S. resident
  • A SSN
  • A live checking account
  • Must be able to afford repayments

In some cases, the lender may need additional documentation such as proof of income, employment, address and bank details. This will be requested by email or when the lender calls you over the phone and once this is received, the lender will aim to fund your loan as quickly as possible.

What Are The Ways To Borrow $3,000 or $4,000 Loans?

For $3,000 loans or more, Pheabs can match your application with a number of different products to find the most affordable and suitable one for you. This includes:

Payday Loans – Receive the money upfront in one lump sum and pay back the entire loan and interest on your payday from work, usually the last day of the month. These loans often only last around 2 to 4 weeks, with some allowing you to extend for 2 months or longer.

Cash AdvancesThis is where you get an advance on your wages from your work, either from your employer or from a loans provider. Similar to a payday loan, you simply pay back the loan on your next pay date from work or when your next income comes in. 

Title or Secured Loans – Ideal for those looking to borrow large amounts or because they have bad credit and will be turned down due to their credit score. You can apply for money against a valuable asset that you own such as a car, bike, van, home or property, you can receive 10% to 80% of the value’s asset upfront, but if you fall behind on payments, the lender could seize your asset in part or full.

Installment Loans – This gives you the flexibility to repay your loan in multiple payments including 3,6, 12, 24, 48 or 60 which can be very helpful for a large purchase such as a home improvement, car or for launching a business. You always have the option to repay early if you need to.

Credit Union – By becoming a member of a credit union, you can usually access very low rates even with poor credit scores and there are with low penalties for missed payments.

Apps – Find a useful app through Pheabs that can help you borrow the money you need and you can log in to make payments and check your balance.

Where Can I Borrow $3,000 Near Me?

We offer $3,000 loans across the whole of the USA including Alabama, Colorado, California, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Missouri, Ohio, Oregon, Tennessee, Texas.

Our role is to match your application with the lender who is best suited to you on a number of factors including your income level, credit status and of course, your location. We have partnered with national lenders and local loan companies too, so that we can put you in touch directly with a provider with the most competitive rates and who is most likely to approve your loan today.

3000 4000 loans

How Long Can I Take Out a Loan For?

Pheabs offers loans of $3,000 and $4,000 repaid over 1 to 60 months, including those with the option to repay the loan in installments over 3,6,9,12,24 or 48 months. 

When applying, you will have the option to choose how long you would like to borrow the loan for. Some of our customers prefer to get a $3,000 loan fast and pay it off quickly, perhaps due to an emergency and some other income coming in from somewhere else.

Some other borrowers prefer to spread repayment over several months or years to give themselves some breathing space, especially if they have debt already or are looking to make an important purchase such as a new house, car, funeral, wedding or business expense and need time to pay it off.

You always have the option to change the terms once the loan is live, including making an early repayment which could make the loan cheaper since less interest is building up.

Why Use Pheabs to Apply for a $3,000 or $4,000 Loan?

At Pheabs, we are delighted to offer a free and effective way to help if you need to borrow $3,000 today. To date, we have helped millions of customers find the right loan for them, under terms that they control. We will present you with an instant approval on the screen and if you wish to proceed, you will be able to electronically sign the loan agreement, checking all the terms along the way. You can choose what dates you would like to repay your loan and how long you would like to borrow for. And you can always repay early if you want to as well. There is no impact to your credit score and we will not pass on your information to any other companies without your permission.


If you are looking to access funds quickly, it will certainly help to apply during a weekday and the morning, since this will give the lender time to ask any further questions and come back to you if they need to. Applying on a national holiday or holiday will only slow things down. Be sure to always give accurate information and check the criteria before you apply.

To apply, you will need to enter:

  • Name, address, date of birth
  • Marital status, number of children
  • Income, employment, monthly expenses
  • SSN, bank details
  • How much you want to borrow and how long for

Your loan can be used for short-term emergencies such as car repairs, paying rent, medical bills, household damage and other pressing bills. You can also use a $4,000 loan for long-term and important purchases towards a funeral, new car, business, wedding, celebration, vacation or to consolidate debts.

Yes, it is possible to get a payday loan for $3,000, but you will usually need to have a good or average credit score (because the loan is unsecured) and a stable and strong income to afford repayments. The average payday loan is around $300, but you may be able to borrow more if you have repaid the lender on time on several occasions and have the affordability to borrow such a high amount.

Price caps will depend on the US state that you are applying in. There are caps for a lot of states such as New York, Virginia and Massachusetts at 36% APR for secured, unsecured and personal loans. However, payday loan products which are available in more than 30 states will be capped on a state-by-state basis at around 400% APR.

If your application is rejected, nothing will happen – there will be no fees or impact to your credit score. However, even for people with very bad credit or those who are unemployed, we will be able to offer some kind of alternative product, whether it is a secured loan, credit union or debt problem to help in any way we can.

No, when you apply, we run a soft credit search on your file which will not have any negative impact to your credit score or ability to access future loans or finance. If your application progresses, your chosen lender may run a hard check, but this will disappear from your file in 12 months time. It will not incur any fees and will not have a negative impact on future events.