Connect with trusted lenders in minutes through our free, secure application. No false promises – just honest help when you need $100 fast.

Life doesn’t always wait for payday. Whether it’s an unexpected car repair, a medical bill, or just making it through until your next paycheck, sometimes you need a small amount of cash quickly. A $100 loan might be exactly what you need to bridge that gap without borrowing more than necessary.

We help borrowers connect with verified lenders who offer small-dollar loans. Our free online application takes just minutes to complete, and we’ll match you with lenders in our network who may be able to help. We’re upfront about everything – no guaranteed approvals, no misleading promises, just a straightforward way to find the loan you need.

How to Get a $100 Loan

Getting a $100 loan through our service is straightforward. Here’s exactly what to expect:

Step 1: Complete Our Free Online Application
Fill out our secure online form with your basic information. You’ll need to provide your name, contact details, employment information, and bank account details. The application typically takes 3-5 minutes to complete and can be done from any device.

Step 2: Review and Submit
Double-check your information for accuracy. Make sure your bank account details are correct, as this is where funds will be deposited if approved. Once you’re satisfied, submit your application.

Step 3: Get Matched with Lenders
We’ll instantly share your information with our network of verified lenders. Multiple lenders may review your application simultaneously, increasing your chances of finding a match.

Step 4: Receive Loan Offers
If a lender wants to work with you, they’ll present an offer with specific terms, including the loan amount, interest rate, fees, repayment schedule, and due date. This typically happens within minutes, though it can take up to one business day.

Step 5: Review Terms Carefully
Read all loan documents thoroughly. Understand exactly what you’ll pay back, when it’s due, and what happens if you can’t repay on time. Never accept a loan you don’t fully understand or can’t afford to repay.

Step 6: Accept and Receive Funds
If you agree to the terms, electronically sign the loan agreement. The lender will then process your loan and deposit funds directly into your bank account, typically within one business day.

Why Choose Our Service

Honest and Transparent
We don’t make false promises about guaranteed approval or no credit checks. We tell you exactly how the process works and what to realistically expect. Our service connects you with legitimate lenders who follow responsible lending practices.

Free to Use
Our application service costs nothing. You only pay the lender if you accept a loan offer. There are no hidden fees for using our matching service.

Fast and Convenient
Complete the entire process online from your phone, tablet, or computer. No store visits, no long phone calls, no paperwork to mail. Get connected with lenders quickly and receive funds as soon as the next business day.

Network of Verified Lenders
We work only with licensed, reputable lenders. While we can’t guarantee approval (no one legitimately can), we connect you with multiple potential lenders to maximize your options.

Secure Application Process
Your personal and financial information is protected with industry-standard encryption. We take your privacy seriously and never share your information with unauthorized parties.

Eligibility Criteria for a $100 Loan

While specific requirements vary by lender, most lenders in our network require applicants to meet these basic criteria:

• Age: Must be at least 18 years old (19 in some states)
• Residency: Must be a U.S. citizen or permanent resident
• Income: Must have a regular source of income (employment, benefits, or other verifiable income). Most lenders require at least $800-$1,000 per month
• Bank Account: Must have an active checking account in your name with at least 90 days of history
• Contact Information: Must provide a valid phone number and email address
• Identification: Must provide a valid government-issued ID

Keep in mind that meeting these requirements doesn’t guarantee approval. Lenders will also consider your credit history, debt-to-income ratio, and other factors when making their decision.

How Fast Can You Get a $100 Loan?

Let’s set realistic expectations about timing:

Application Review: Minutes to Hours
After you submit your application, lenders typically review it within minutes. You may receive a loan offer almost immediately, or it could take several hours if submitted outside business hours.

Same-Day Funding: Possible But Not Guaranteed
If you apply early in the morning on a business day (before 10 AM in your lender’s time zone) and get approved quickly, same-day funding is possible. However, this depends on your bank’s processing times and when the lender initiates the transfer.

Next-Day Funding: Most Common
The majority of approved applicants receive their funds within one business day. If approved on a Friday, weekend, or holiday, expect funds on the next business day.

Factors That Affect Speed:

• Time of day you apply
• How quickly you review and sign loan documents
• Your bank’s processing schedule
• Whether you apply on a business day or weekend
• Lender’s funding procedures

For the fastest service, apply early on a weekday morning and respond promptly to any lender requests.

Best Loan Options to Get $100

Several types of loans may be available for $100 amounts. Here’s what you might encounter:

Payday Loans
The most common option for $100 loans. These short-term loans are typically due on your next payday (usually 2-4 weeks). They’re easy to qualify for but come with high fees. A $100 payday loan might cost $15-$30 in fees.

Installment Loans
Some lenders offer small installment loans that you repay over several months in equal payments. These typically have lower APRs than payday loans and are more manageable to repay, though $100 is on the small side for most installment loans.

Personal Loans
Traditional personal loans from banks or credit unions rarely go as low as $100, as the administrative costs make them unprofitable. However, some online lenders and fintech companies do offer small personal loans.

Cash Advance Loans
Similar to payday loans, cash advances provide quick access to small amounts of money. The terms are usually short (2-4 weeks), and fees can be significant relative to the loan amount.

Emergency Loans
Some lenders specifically market emergency loans for unexpected expenses. These are essentially payday or installment loans with a different name, designed for urgent financial needs.

Title Loans
While title loans exist, they’re rarely used for amounts as small as $100, as they require your vehicle as collateral. The risk of losing your car over $100 makes this option inadvisable.

Tribal Loans
Offered by lenders operating on Native American tribal land, these loans may be available in smaller amounts. However, they often carry very high interest rates and may not be subject to state lending laws.

$100 Loans with Bad Credit

Having bad credit doesn’t automatically disqualify you from getting a $100 loan. Many lenders in our network specialize in working with borrowers who have less-than-perfect credit.

Why Bad Credit May Matter Less for Small Loans:

• The loan amount is small, reducing the lender’s risk
• Short repayment terms mean less time for something to go wrong
• Lenders focus more on your current income and ability to repay
• Many small-dollar lenders expect to work with subprime borrowers

What Lenders Look At Instead:
Rather than relying heavily on your credit score, many $100 loan lenders prioritize:

• Current employment and income stability
• Bank account history and activity
• Debt-to-income ratio
• Previous loan repayment history with that specific lender

Be Realistic About Costs:
Bad credit loans typically come with higher fees and interest rates. This is how lenders offset the increased risk. Make sure you can afford the total repayment amount before accepting any loan.

Is a No Credit Check $100 Loan Possible?

Let’s be clear: truly “no credit check” loans are extremely rare from legitimate lenders. Here’s the reality:

Soft Credit Checks Are Standard
Most lenders will perform at least a soft credit inquiry, which doesn’t affect your credit score. This helps them verify your identity and assess basic creditworthiness.

No Hard Inquiry Options
Some lenders don’t perform hard credit checks (which can temporarily lower your credit score). They may rely on alternative data like bank account history, income verification, and other factors.

Why Credit Checks Exist
Credit checks protect both you and the lender. They help lenders make responsible lending decisions and can prevent you from taking on debt you can’t afford.

Beware of Scams
Lenders who advertise “guaranteed approval” or “absolutely no credit check” may be predatory or fraudulent. Legitimate lenders always perform some level of verification.

The good news? For a $100 loan, many lenders use alternative underwriting methods that don’t rely heavily on traditional credit scores, making approval possible even with bad credit.

Other $100 Loan Amounts Available

• $50 Loan
• $200 Loan
• $300 Loan
• $400 Loan
• $500 Loan
• $600 Loan
• $700 Loan
• $800 Loan
• $900 Loan
• $1000 Loan
• $1500 Loan
• $2000 Loan
• $3000 Loan
• $4000 Loan
• $5000 Loan
• $6000 Loan
• $7000 Loan
• $8000 Loan
• $9000 Loan
• $10000 Loan
• $15000 Loan
• $20000 Loan
• $25000 Loan
• $30000 Loan
• $35000 Loan

$100 Loan Rates, Terms, and Costs

Understanding what you’ll actually pay is crucial. Let’s break down the costs associated with a $100 loan:

Typical Fees
Most $100 payday or cash advance loans charge a flat fee based on the amount borrowed. Common fee structures include:

• $15 per $100 borrowed (most common)
• $20 per $100 borrowed (higher-cost lenders)
• $10-$12 per $100 borrowed (lower-cost lenders, less common)

This means borrowing $100 typically costs $15-$20 in fees, making your total repayment $115-$120.

APR Explanation
You’ll see APR (Annual Percentage Rate) numbers that seem shockingly high – often 300% to 400% or more. This is because APR calculates the cost as if you held the loan for a full year. For a two-week $100 loan with a $15 fee:

• Actual cost: $15 (15% of loan amount)
• APR: Approximately 391%

The APR looks extreme because it annualizes a short-term loan cost. While the APR is technically accurate, the actual dollar cost ($15) is more relevant for understanding what you’ll pay.

Typical Loan Terms

• Loan Amount: $100
• Repayment Period: 14-30 days (most commonly 14 days)
• Finance Charge: $15-$20
• Total Repayment: $115-$120
• APR: 300%-400%+

Additional Costs to Consider:

• Late Fees: $15-$30 if you miss your due date
• NSF Fees: $25-$35 if your payment bounces
• Rollover Fees: Additional charges if you extend the loan (where permitted)

Important Cost Comparison:
While $15-$20 might seem manageable for $100, consider alternatives:

• Credit card cash advance: Usually 3-5% fee plus interest
• Overdraft fee: Often $35 per transaction
• Late utility payment: $5-$15 late fee
• Borrowing from family/friends: Potentially free

A $100 loan should be a last resort for true emergencies, not a regular financial tool.

Important Considerations Before Borrowing

Can You Afford Repayment?
Before accepting any loan, make sure you can repay it on time. If you’re already struggling financially, adding a loan payment could make things worse. Calculate whether you’ll have enough money after your regular expenses to repay the loan plus fees.

Explore Alternatives First
Consider these options before taking out a loan:

• Ask your employer for a paycheck advance
• Sell unused items
• Request a payment plan from your creditor
• Borrow from family or friends
• Use a local community assistance program
• Check if your bank offers overdraft protection

Understand the Risks
Small loans can create a debt cycle if you can’t repay on time. You might be tempted to roll over the loan or take out another one immediately after, leading to ongoing fees and financial stress.

Read Everything
Never sign a loan agreement without reading it completely. Make sure you understand the due date, total repayment amount, what happens if you’re late, and how to contact the lender with questions.

Ready to Apply for Your $100 Loan?

If you’ve considered your options and decided a $100 loan is right for your situation, we’re here to help connect you with lenders who may be able to assist. Our free application takes just minutes to complete, and you’ll know quickly whether a lender wants to work with you.

Remember: we provide a free matching service, not loans directly. We connect you with verified lenders in our network. There’s no guaranteed approval, but we work with multiple lenders to maximize your chances of finding the help you need.

Disclaimer: Loan approval is not guaranteed. We are a matching service that connects borrowers with potential lenders. Loan terms, rates, and availability vary by lender and your individual qualifications. Borrowing money carries financial risk. Only borrow what you can afford to repay.