4000 Loan – 5 Best $4000 Loan For Bad Credit in 2021

There are times when you could be hit with financial constraints, and the best thing to do is find a loan to sort those issues. 4000 loans are excellent options when you need to sort out financial emergencies fast. 

In this post, we will walk you through everything you need to know about 4000 loans — from what they are, the eligibility criteria, what you can use the 4000 loans for, the best 4000 loan platform, and many more. 

#1 4000 Loan in 2021 – Viva Payday Loans


4000 Loan Bad Credit – Quick Pick

  1. Ameri Cash – Best for 4000 Dollar Loan Money in 60 Minutes
  2. Cash Central – Best For No Guarantors 4000 Loan
  3. Blue Trust Loans – Best for Low $4000 Loan Instant
  4. Ace Cash Express – Best for Same Day $4000 Dollar Loan Payouts
  5. Big Picture Loan – Good for 4000 Loan Bad Credit

What Are 4000 Loans?

$4,000 loans are unsecured loans of $4,000 or lower than your next payday should repay. These loans are usually the last resort for borrowers with bad credits who other lenders have turned down. However, these loans attract higher interest rates compared to conventional loans.

Additionally, they harbour higher fees. Direct lenders don’t usually run a credit check—in most cases, payday lenders are the ones who don’t look into your credit check.

Common Uses Of 4000 Personal Loan

1. Paying Off Debt

The most common reason why people borrow personal loans is to consolidate debts. Research shows that the average American possesses around four credit cards, and when you accumulate a balance on several cards, it becomes hard to manage all the APRs and bills. You can streamline your payments into a single monthly bill by acquiring a personal loan.

Additionally, personal loans can save you on interest. To save money with a lower APR, you can refinance your high-interest credit card debt.

A balance transfer card is an alternative way to pay off debt if you have a good to excellent credit score, and you might escape paying interest.

The Citi Double Cash Card comes with 0% intro APR on balance transfers for the initial 18 months. After 18 months, the variable APR will range from 13.99% to 23.99%, and then after completing your debt, you can earn 2% cash on every purchase—1% when you pay a credit card bill and 1% when you buy something.

You should have a lucid repayment plan if you decide to take a balance transfer card instead of a personal loan. This plan will allow you to complete paying off the balance before the end of the intro period—hence you’ll not incur extra charges that come about due to the high-interest rate put in place after the intro period ends.

2. Tax Debt

A personal loan can come in handy when you need to settle IRS debts, but you don’t have any funds in your savings account. IRS payment plans come with fees; thus, it’s not advisable to opt for them. You should research before taking any loans and compare the interest to what you’d pay if you decide to take the IRS payment plan.

3. Wedding Costs

According to The Knot, an average American spends over $33,000 to finance a wedding—this is a massive lump of change. If you can’t afford this amount and are comfortable taking on debt, you can take a personal loan to cover the wedding expenses. 

It’s not mandatory that your wedding have the exact cost as the average one; you can decide to cut costs or go big, especially if your priority is to celebrate your day in exceptional style. If you choose to follow the latter route, you need to crunch the numbers to determine if a loan will be the best option to finance the wedding. 

Most importantly, you need to draw a precise payment plan and acknowledge how the monthly payments will affect your total budget.

In case you have all the funds you need for the wedding, but you requiretoIfcash to cater for the wedding ring or engagement, you can pay for those with a loan too.

4. A Major Life Change

Major life changes like divorce, moving and career change come with financial and emotional costs. You should plan ahead of these changes; alternatively, you can take a personal loan to cover the expenses if you’re in a pinch.

How To Qualify For 4000 Loan (Eligibility Criteria)

When applying for a $4,000 loan, you should:

  • Be 18 years and above
  • Be employed currently for at least 90 days 
  • Be a permanent US resident or citizen
  • Issue a valid email address
  • Have a checking account under your name 
  • Provide a functional work and home phone number 
  • Have a monthly income of $1,000 after deduction of all taxes

Top 5 Best $4000 Loan – Fully Reviewed

1. Ace Cash Express


The Ace Cash express company has been in the financing industry for over 50 years—established in 1968—serving more than 38 million customers. With over 950 stores, it’s currently the largest provider of in-store check financing in the U.S. Moreover, Ace Cash express provides direct short-term loans. 

There are several methods for obtaining an Ace Cash Express payment. For online applicants, the company uses ACH payments to deposit funds into their checking or savings accounts. Thanks to this option, you can avail of 4,000 Loans in less than 24 hours.

Alternatively, you can pick up Ace’s cash loans manually at nearby stores. This will assist you in addressing prevailing emergencies such as medical expenses and so on. Besides, the in-store option is often faster and allows borrowers to receive cash on the same day.


  • You can apply in-store or online in any qualified state
  • It has small-dollar alternatives
  • The funds can be availed in less than 24 hours for online applications and instant payout for in-store applications.
  • It gives you 72 hours in case you change your decision


  • The loan comes with high-interest rates
  • The ACE website layout is complicated and can be frustrating to most user
  • In 2014, the CFPB took action against ACE.

2. Big Picture Loan

Big Picture Loans is a tribal lender based in Watersmeet, Michigan, and operated by the Lac Vieux Desert Band of Lake Superior Chippewa Indians. The firm has been providing personal installment loans to Americans for eight years. The company’s website approves 94% of applications and starts stemming accepted loans the following business day.

Big Picture Loans impose remarkably high loan rates that resemble and often surpass the payday loans’ rates. As per the Federal Reserve Bank of St. Louis, the average APR for a payday loan is 391%. On the other hand, Big Picture Loans states the APR range for first-time consumers as 350 percent to 699 per cent, with a sample of 447.57 percent APR on their website. In this scenario, a borrower who obtains a $1,000 loan will pay a whopping $1,594.79 in interest on top of the $1,000.


  • Tribal ownership implies that they’re free to dictate their loaning terms and conditions without state directives.
  • The customer services are always available
  • The application acceptance level is high, 91%


  • Some Big Picture Loans can be pretty expensive depending on your state of residence.
  • The repayment schedule is fixed after you agree.
  • Failed applications can impact your credit score negatively.

3. Blue Trust Loans

Blue Trust Loans is a website providing short-term installment loans as an alternative to traditional payday loans. The main distinction between these instalments and payday loans is that borrowers have extensive periods to repay their debts. They’ve almost the same application procedures, low qualification requirements, and fast payout.

Sadly, the payback term is only one aspect of the payday loan concern. The other (far more dangerous) problem is that their interest rates are out of control. As of this writing,  Blue Trust Loans hasn’t done anything to address this and continues to charge similar rates to any payday lender.

Furthermore, due to their higher principal balances, the installment loans are riskier than most payday loan options. Payday loans typically have a maximum loan amount of $1,000, whereas Blue Trust Loans can have a maximum of $3,000.


  • They provide small-dollar loans that are ideal for sorting out short-term needs.
  • You  in a matter of minutes
  • Lenient requirements which allow borrowers with bad credit history to obtain funds
  • A fast turnaround time that can provide individuals with financing in as little as a day


  • Their loans are frequently ten times the cost of other borrowing alternatives.
  • The exceeding interest rate makes the loan extremely difficult to repay, increasing the likelihood of extra expenses.
  • Because of their tribal immunity, it is challenging to fight back legally or sue them if they do something illegal.

4. Ameri Cash

Americash is an established lender based in the United States whose primary focus is offering instalment loans. Americash has a similar mode of operation to Cash USA AND Check Into Cash, in which the loan application process is entirely online. To determine if you are eligible for a loan, Americash requires you to provide your personal information, your current financial standing, the loan amount you wish to apply for and the length of time you need the loan.  

Once Americash determines that you qualify for a loan, the funds will be deposited directly to your checking account, or you can also collect them in-store. If you prefer to collect the cash in-store, Americash has offices in 12  states across the United States. The minimum amount you can borrow from Americash is $50, while the maximum is  $4,000 for a maximum period of 18 months, depending on the state you reside in. 

Apart from instalment loans, Americash also offers short-term payday loans. With payday loans, you can take out a loan and clear it with your next paycheck. The interest rates with payday loans are high. Therefore, it is essential to ascertain that you will afford loan repayment before signing the loan agreement. 

The interest rate that is charged on your loan depends on a variety of factors. These factors include; the loan amount you wish to borrow, your creditworthiness and the state you reside in. For example, residents of Arkansas and Kansas will pay a maximum APR of 521%, which is relatively high. 


  • Is well established and has offices across 12 states.
  • You can get instalment relatively loans of up to $4,000.
  • You can get $50 payday loans.
  • You have the option of collecting the loan from their stores or having it deposited directly into your account.
  • The application process is entirely online.
  • You can get a loan even with a bad credit score.


  • APR rates are high.
  • It is only present in 12 states

5. Cash Central

Cash Central is an online money lender that offers instalment loans varying from $300 – $5,000 depending on where you reside. Cash Central does not require you to have a perfect credit score for your loan to be considered. Cash Central loans are typically advertised as “quick help for life’s emergencies”. 

The type of loans offered by Cash Central are lines of credit and payday loans which are limited to the State you live in. Cash Central is part of Community Choice Financial, a national moneylender established in 2011. 

The repayment periods for Cash Central loans vary, but they range between six and twenty-four months. With Cash Central, you can schedule your repayments to be biweekly, monthly or semi-monthly. 

Cash Central automatically withdraws the cash you owe on the due date. If you want a different method to repay your loan, you will have to contact Cash Central.


  • There are multiple repayment periods to choose from.
  • Funding time is fast.


  • APRs are very high.
  • Loan application charges and penalties for late payment.
  • Availability is limited to some states.

Features Of 4000 Loans

  • Lending rate: Some financiers offer personalised interest rates, while others offer standard interest rates. The rates also vary for secure and unsecured loans. You must get the most competitive rate for your desired loan type.
  • Comparison rate: There is a considerable difference between the rate at which the loan is advertised and the comparison rate. Comparison rate allows you to compare loans from different lenders and determine which one is most suitable for you. A low-interest rate is not the only feature that determines if a loan is affordable. Other factors such as the loan amount, fees, loan terms, and repayment frequency have to be considered. 
  • Charges: The comparison rate gives a clear picture of the actual cost of the loan. This alone does not provide an accurate picture of the total cost of the loan as there might be other additional charges not included in the comparison rate. Many financiers charge loan application fees together with ongoing monthly account keeping fees. Other charges that may apply are early repayment fees and dishonour fees.
  • Flexible repayments: The frequency of repayment for loans can be weekly, fortnightly or monthly. Choose a repayment schedule that best matches your payment cycle. The loan is considered flexible if you can make early repayments to clear your loan before your due date without attracting penalties. With flexible loans, you can also withdraw your extra repayments through a redraw facility.

Advantages Of 4000 Loan

1. Fast Credit Card Check

If you have a bad credit score, getting a loan from traditional financiers is next to impossible. Most companies that offer payday loans do not do credit checks to determine if you qualify for a loan. Such companies only conduct credit checks if you are applying for a significant loan amount. 

2. The Law Protects You

Many consumers are weary of falling prey to loan companies that charge very high-interest rates. Payday companies are regulated in the United States under federal government law to protect consumers.

3. The Process Is Automatic

If you are eligible for a loan, the loan amount is automatically transferred into your account. When you receive your paycheck, the same amount is automatically withdrawn from your account together with interest. 

4. It Is Confidential

Consumer privacy is a top concern for most people nowadays. Payday companies are not permitted by law to share your details with third parties. 

Disadvantages Of 4000 Loan

1. They Are Expensive

Payday loans attract APRs that are as high as 1,500%. These high-interest rates cause the overall cost of the loan to be very high, making them very expensive. Since the rates are high, many people keep off payday loans since there are cheaper alternatives available. 

2. Payday Loans Are Considered Predatory

Payday loans usually target low-income individuals and those with bad credit, making them seem predatory. Payday companies have also gained a bad reputation since they pursue unpaid debts aggressively. The lending market has become more regulated recently, but it is always advisable to use payday loans as a last resort. 

3. It Is Easy To Get Trapped In A Cycle Of Debt

Failure to repay your loan on time could result in you falling into a debt spiral. Such incidents could lead you into taking out another loan to pay the existing loan putting you in a challenging situation. Many borrowers who take out payday loans are at risk of falling into a debt cycle since payday loans attract very high interest.  

How To Get 4000 Loan Bad Credit

Step 1: Visit Viva Payday Loans

The initial step is to go to Vivapaydayloans.com—the website’s design is straightforward. To start your application process, select the “Apply Now” option on the right-hand side of the screen.

Step 2: Complete The Application Form

Filled online form with your name, monthly costs, and financial information are required throughout the application procedure.

Step 3: Get Your Decision

After completing the form, you must wait for authentication—your loan will be granted in around two minutes. You will still receive a notification if your application is declined.

Step 4: Receive Your Loan

Once your application is approved, you will be asked to sign a loan contract. Before signing, ensure you have read the terms and conditions. After submitting the completed loan agreement, your loan will be deposited immediately into your bank account within 24 hours.


4,000 Loans can assist in resolving sudden financial issues, mainly if your next payment is still several weeks away. Viva Payday Loans is one of the finest and most ranked payday loan websites, from which you can apply for 4000 payday loans in minutes. 

Request Your 4000 Loan Direct Deposit at Viva Payday Loans


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About Denzil Otieno PRO INVESTOR

A procurement graduate. Young business owner. A smart business investor.