$500 to $1,000 Loans - Apply Online, Check Your State's Options
Page last reviewed: March 18, 2026 · Reviewed for accuracy by LendUp
Borrow $500–$1,000 - Your State Determines the Product Type
At this amount, what you're offered depends on your state. Some states allow payday loans up to $1,000 - a single repayment with a flat fee. Others require anything above $500 to be structured as an installment loan - monthly payments with interest over a set term. Either way, you can apply and see what's available to you.
How to Get Started
- Check your state's rules: your state determines the product type, the maximum amount, and the fee or rate cap. Find your state's rules.
- Have these ready: proof of income, an active bank or credit union account, and a government-issued photo ID. Payday checklist · Installment checklist.
- Apply: the lender's offer will show you which product type you're getting and what it costs. Check the total repayment before you accept.
What to Check on Any Offer at This Amount
- Total repayment - the number that matters most: for payday, it's labeled "total repayment." For installment, it's "total of payments." Different labels, same idea - the actual amount that leaves your account over the life of the loan.
- Product-type surprise: if you expected monthly payments but the offer shows a single lump-sum due date, you're looking at a payday loan. Make sure you can repay the full amount plus fee on that date. See how payday repayment works.
- Origination fees: installment loans at this amount may include an upfront fee that payday loans don't. Check whether it's added to your balance (increasing what you owe) or deducted from your proceeds (reducing what you receive). See installment loan costs.
- Verify the lender is licensed: confirm the lender is in your state's license directory before giving personal information.
How to Tell Which Loan Type You're Looking At
If you have an offer in hand (or are about to get one), here's how to identify the product type:
- One repayment on a single due date
- Cost labeled "finance charge" - a flat dollar amount
- Term under 31 days
- Agreement may say "deferred presentment"
- Multiple payments on a schedule
- Cost labeled "interest rate" - a monthly or annual percentage
- Term of 2 months or longer
- Agreement may say "consumer finance" or "small loan"
If you're not sure after checking, look at the repayment line: one date means payday, a schedule of dates means installment. For a deeper comparison, see payday vs. installment loans.
What to Expect on Your Offer - By Product Type
- Loan amount
- Finance charge (flat fee)
- Total repayment
- Single due date
- APR (required disclosure)
- Principal amount
- Interest rate (monthly or annual)
- Monthly payment amount
- Number of payments
- Total of payments
Your state's rates & fees page has the exact caps for either product type - find your state to check the numbers on your offer.
Need a smaller amount? See $100–$500 loans. Need more? See $1,000–$5,000 loans. Have bad credit? See payday and bad credit or installment and bad credit. Want to compare product types? See payday vs. installment.