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600 Dollar Loan

$600 Loans: Where to Borrow an Amount That Falls Between the Limits

Page last reviewed: October 28, 2026 · Reviewed for accuracy by Betty Walsh

$600 falls into a gap: it's more than most cash advance apps or payday loans allow, and less than many personal lenders bother with. Here's who does lend $600, the states where it can still be a payday loan, and what repaying it looks like on each paycheck.

  • U.S. Bank's Simple Loan lends $600 for $36
  • EarnIn's $1,000 pay-period limit covers $600 over at least 3 days
  • Only a handful of states allow a $600 payday loan
Check Your $600 Options Who Lends $600

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Your loan amount

$600
U.S. Bank on $600$36 fee
Payday at $15 per $100$90, all at once
6 months at 36% APR$110.76 a month
FundingMinutes to a few business days
Check Your $600 Options

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Who Will Actually Lend $600

  • U.S. Bank Simple Loan: $36 on $600, repaid in three monthly payments of $212, for checking customers with six months of history and recurring deposits.
  • Credit union PAL I: $600 fits inside the $200–$1,000 range, at no more than 28% APR, after a month of membership.
  • EarnIn: lets you take up to $1,000 of earned pay per pay period but only $200 a day, so $600 takes at least three days.
  • Online installment lenders: the most common source of $600, usually repaid monthly over several months.
  • Limits too low: Dave, Chime MyPay and Bank of America's Balance Assist all stop at $500.

States Where $600 Can Still Be a Payday Loan

Many states cap payday loans at $500 or less. These six, checked against state law or regulators in October 2026, can allow $600 in one loan, often only if your income is high enough.

State Limit Income you'd need for $600
Michigan $600 per loan, not counting fees No income test in the cap
Washington $700 or 30% of gross monthly income, whichever is lower At least $2,000 a month
Indiana $825 with one lender; no loan above 20% of gross monthly income At least $3,000 a month
Delaware $1,000 per loan; no more than 5 short-term loans a year No income test in the cap
Wisconsin $1,500 or 35% of gross monthly income, whichever is less, fees included About $1,715 a month, more once fees count
Nevada 25% of gross monthly income across all your loans At least $2,400 a month, with no other loans

Everywhere else, $600 usually comes as an installment loan. Income figures are simple division of $600 by each state's percentage.

What $600 Means for Each Paycheck

If you're paid every two weeks, here's roughly how much of each paycheck each option takes.

How you repay $600 Per paycheck Paychecks Total cost
Payday loan at $15 per $100 $690 1 $90
U.S. Bank Simple Loan $106 6 $36
Installment, 3 months at 36% APR $106.06 6 $36.36
Installment, 6 months at 36% APR $55.38 12 $64.56

Assumes two paychecks a month, with half of each monthly payment set aside from each one.

$600 Loan Questions

Where can I borrow $600 fast?

If you're a U.S. Bank customer, its Simple Loan is deposited within minutes of approval. Otherwise, online installment lenders are the main source; a request through LendUp reaches lenders in our network, and approved loans can fund the same day or within a few business days.

Can I get a $600 payday loan?

Only in a few states. Michigan and Delaware allow it outright, while Washington, Indiana, Wisconsin and Nevada tie the limit to your income. In most states, $600 is an installment loan.

Why won't some lenders lend $600?

Many mainstream personal lenders set minimums well above $600; Discover's, for example, is $2,500. That's why most $600 loans come from bank small-dollar programs, credit unions or online installment lenders.

How do I repay $600 without draining one paycheck?

Choose monthly installments over a single payment. A 6-month loan at 36% APR takes about $55.38 from each biweekly paycheck, instead of $690 at once.

Ready to close the $600 gap?

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