Besides that. 400$ is a too small amount, they might not even answer you. The more profit you bring to them, the more interested they are to make business with you. And that's everywhere, not only for the loans

Demixl said
I took a loan the last year and invested the money. 10.000$ for 10 years and I pay 130$ per month. I think that the next year I'll be able to pay the loan from the money that I make from the investment. I was scared to take the loan thinking about the risk of failing but now I'm so relieved, it was a successful step that I took. The process of taking the load was easy, I made it online (click here to find more) and in three hours I had the money. It was a Finnish company and a more safer place to borrow money you won't find anywhere else. The Scandinavian politics are based on the human and not on the profit. That's why, if you have the opportunity, take a loan from there  

It would be good if these companies would borrow money to people from other countries. But for 400$ he should not think too much, it's a small amount and every bank could accept the request. Of course that there's not that much profit from him but even the risks are smaller.