Choose an amount, understand the cost
$500 Loan and Small Personal Loans With Fixed Payments
Estimate a $500 loan or another amount from $300-$2,500 with fixed payments every 2 weeks. Compare what you would repay in your state, prepare your documents, then start your application.
Approval is not guaranteed. Examples only.
Estimate your chosen loan amount
Use an amount preset and select your state, then compare payments and total repayment. Presets change the estimate; they do not create an offer.
Estimate, not an offer. Approval is not guaranteed. Examples only.
Compare small personal loan amounts
Set the amount in the calculator, then review the payment commitment. Compare total repayment and the biweekly schedule rather than choosing by amount alone.
Start with a $500 loan estimate
Use the amount presets to set the calculator, then choose your state and review the term. The result is an estimate of payments and total repayment, not an offer.
Compare a $1,500 loan or $2,000 loan
These amounts can be modeled within the product range. The calculator estimates their payments; the published example table does not provide separate examples for these amounts.
Review a $1,000 loan or $2,500 loan
Compare the amount you would borrow with total repayment. Check your selected state because estimated costs depend on state rules as well as the amount and payment schedule.
A smaller amount still involves credit review
Lendify checks your credit score and reviews income, expenses and creditworthiness. Choosing a smaller amount does not remove the eligibility or document requirements.
Published state examples for loan amounts
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $41 | $595 | 60% |
| $1,000 | 11 months | 24 | $54 | $1,260 | 52% |
| $2,500 | 18 months | 39 | $85 | $3,327 | 39% |
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $36 | $547 | 30% |
| $1,000 | 11 months | 24 | $48 | $1,151 | 30% |
| $2,500 | 18 months | 39 | $80 | $3,119 | 30% |
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $37 | $557 | 36% |
| $1,000 | 11 months | 24 | $49 | $1,182 | 36% |
| $2,500 | 18 months | 39 | $83 | $3,252 | 36% |
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $37 | $557 | 36% |
| $1,000 | 11 months | 24 | $49 | $1,182 | 36% |
| $2,500 | 18 months | 39 | $83 | $3,252 | 36% |
- California: California Financing Law, Pilot Program (Fin. Code §22370): 36% a year on the first $1,000, 35% above it, plus an administrative fee of up to 7% or $90. Regulator: Department of Financial Protection and Innovation (DFPI).
- Texas: Texas Finance Code §342.201(e): up to 30% a year on loans up to $4,600 (the examples use 30% with no fees). Regulator: Office of Consumer Credit Commissioner (OCCC).
- Illinois: Predatory Loan Prevention Act (815 ILCS 123): 36% all-in APR cap. Regulator: Department of Financial and Professional Regulation (IDFPR).
- Arizona: A.R.S. §6-632: up to 36% a year on loans up to $3,000. Regulator: Department of Insurance and Financial Institutions (DIFI).
Any loan terms shown are examples. The actual loan terms you may qualify for may vary based on your specific payment schedule, credit determination and state law.
Requirements apply across loan amounts
18 or older
You must be at least 18 years old.
Live in a Lendify state
California, Texas, Illinois or Arizona.
$10,000+ a year
Annual income of at least $10,000 from a stable, verifiable source.
One Lendify loan at a time
No other active Lendify loan, and no Lendify application in the last 90 days.
Able to repay
Lendify looks at your monthly income and expenses.
Credit review
Lendify reviews your credit report and other criteria. Eligibility is not guaranteed.
Documents for a small personal loan
1 photo ID
- Matrícula consular
- US driver’s license or ID card
- Foreign passport
- US passport or passport card
- Other government photo ID
- Green card
2 proofs of income
- Most recent pay stub
- Most recent bank statement
- Last month’s transaction history (check cashing or bank)
- Most recent benefit form or letter (welfare, unemployment, Social Security)
1 proof of address
- Bank statement
- Electric, water or phone bill
- Cable or internet bill
- Insurance statement
- Credit card or loan statement
- Mailed credit card or loan offer
- Current lease
- Pay stub
Originals only — no photocopies. You also add personal references; Lendify confirms they know you.
Prepare and submit your application
- 1Start online
Fill out the application. It takes a few minutes.
- 2Send references and documents
Add your personal references and upload your ID, income and address documents.
- 3Sign and get your funds
Lendify lets you know in about 24 hours after it receives all documents. If approved, sign your loan documents and receive the funds.
Compare amount, cost and payment frequency
| Question | Lendify | Other loan options |
|---|---|---|
| Amount borrowed | Lendify personal installment loans range from $300 to $2,500. | Check the available amount range and compare it with the amount you need. |
| Full repayment cost | Review your state estimate and total repayment; actual terms depend on credit determination and state law. | Check total repayment and fees as well as the payment amount. |
| Budget schedule | Lendify uses fixed payments every two weeks; the monthly equivalent helps with budget comparisons. | Check payment dates and frequency against your income and regular expenses. |
| Documents and review | Photo ID, income and address documents are required, along with credit and ability-to-repay review. | Check required documents and the income and credit criteria before applying. |
Keep estimates separate from loan terms
- The calculator models your selected amount. Published examples are separate, and actual terms depend on the payment schedule, credit determination and state law.
Lendify Financial LLC
333 Bush Street, 17th Floor, San Francisco, CA 94104
(866) 281-3054 · [email protected]
Licenses
Loans are made by Lendify Financial LLC. Loans made or arranged in California pursuant to a California Financing Law license, in Texas pursuant to a Regulated Lender license, in Illinois pursuant to a Consumer Installment Loan Act license, and in Arizona pursuant to a Consumer Lender license.
Questions or complaints
- California: Department of Financial Protection and Innovation (DFPI)
- Texas: Office of Consumer Credit Commissioner (OCCC)
- Illinois: Department of Financial and Professional Regulation (IDFPR)
- Arizona: Department of Insurance and Financial Institutions (DIFI)
- Consumer Financial Protection Bureau: consumerfinance.gov/complaint
Have an amount in mind?
Review its payment estimate, total repayment and document checklist before starting your application.
Approval is not guaranteed. Examples only.
Questions about smaller loan amounts
How can I estimate payments for a 500 loan in my state?
Select the amount preset, choose your state and review the estimated term in the calculator. You can compare the payment every two weeks with total repayment. The result is an estimate, not an offer; the state table provides separate published examples.
Can I explore a 1,500 loan without treating the result as an offer?
Yes. That amount is within the Lendify loan range and can be modeled in the calculator. Select your state and term to review the estimated payments and total repayment. It is not a separate published example, and actual terms depend on credit determination, payment schedule and state law.
Are 2,000 loan estimates the same as the published example loans?
No. The calculator can model that amount, but there is no separate published example for it. Use the result as an estimate, not an offer. The example table is separate, and actual terms depend on the payment schedule, credit determination and state law.
What is the difference between my selected amount and total repayment?
Your selected amount is the amount you would borrow. Total repayment includes repayment of that amount plus finance charges under the modeled schedule. The California estimate also includes an estimated administration fee. Review the total alongside the recurring payment; calculator results are estimates, not offers.
Does selecting a smaller amount remove the credit review requirement?
No. Lendify checks your credit score when you apply and reviews creditworthiness and ability to repay. The income, expense and document requirements still apply to a smaller loan. You must also meet the age, residency, active-loan and recent-application conditions.
Which documents should I prepare for a small Lendify loan?
Prepare one photo ID, two proofs of income and one proof of address. Accepted options include a foreign passport for ID, a pay stub or bank statement for income, and a utility bill for address. Personal references are also submitted during the application; photocopies are not accepted.