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Get a $100 loan before your next payday

Compare payday loans and pay advance apps that offer small-dollar loans.

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Editor's choice: Check Into Cash Payday Loan

Check Into Cash Payday Loan logo
  • Safe, secure application
  • Use the money for any purpose
  • Receive funds as soon as next business day
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When you need an extra $100 fast, a payday loan might be a good option — especially with bad credit. Applications only take a few minutes at a store or online. And if you’re approved, you can get your money quick as the same day.

7 lenders that offer $100 loans

These lenders offer loans as low as $100 to residents of some states, if not nationwide.

Lender Type of loan Minimum loan amount Turnaround
Ace Cash Express Payday $100 in some states Same day in store, as soon as 1 business day online
Go to site
Possible Payday None 1 business day
Go to site
Check into Cash Payday $50 1–2 business days
Go to site
Check City Payday $100 in some states Same day in store, as soon as 1 business day online
Go to site
Speedy Cash Payday $50 1 day Read review
Allied Cash Advance Payday $50 Same day in stores, 1 business day online Read review
Earnin Pay advance app None Same day to 2 business days Read review

How to get a $100 loan

  1. Find a lender. Our comparison table can help you find a lender that offers $100 loans in your state.
  2. Make sure you’re eligible. Most lenders require you to have a bank account and regular income to borrow $100.
  3. Apply online or in-store. Found a lender you like here? Click the Go to site button to get started.
  4. Wait for approval. You can often get approved in as little as a few minutes for a loan as small as $100.
  5. Get your money. If you apply online, your money can be in your bank account as soon as the next day. Through a store, you can often get your $100 the same day.

How to compare lenders

There are some crucial factors to consider before taking out a loan.

  • Loan term. State laws determine how many weeks a short-term loan can last, usually anywhere from two to four weeks.
  • Rates and fees. Payday lenders typically charge a fee of $10 to $15 on a $100 loan instead of an interest rate. But the real cost comes if you choose to extend the term, which can cost another $10 to $15.
  • Licenses and security. If your state requires a license, look for the lender’s license on the lender’s website. And if you’re applying online, make sure the application is encrypted before you enter sensitive information.
  • Reviews and complaints. Read reviews on sites like the Better Business Bureau and Trustpilot to find out what you can expect as a customer.

Compare more lenders offering $100 loans

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Loan Term Turnaround time
OppLoans Installment Loans
9 to 24 months
1 business day
Comes with the option to change your due date so you won’t fall behind on repayments.
CreditLend connection service
Varies by lender
Varies by lender
Find a line of credit — even if you don't have a perfect score.
Check Into Cash Payday Loan
Varies by state
1 to 2 business days
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Fast5kLoans Short-term Loans Connection Service
6 months to 6 years
As soon as the next business day
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
Same business day to 1 business days
Get offers from potential lenders in minutes by filling out just one online form.
Possible Finance Mobile Installment Loans
Up to 2 months
As fast as 1 business day
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
3 to 36 months
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Slam Dunk Loans
Same business day to 1 business days
Fill out a simple online form to compare offers from several lenders that may be able to help.
CashNetUSA Loan
Varies by state
Varies by state
As fast as same business day
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

Compare up to 4 providers

How do $100 loans work?

Most $100 loans are payday loans. This means you borrow the money plus a fee and pay it back within two to four weeks — the next time you get paid. Usually lenders charge a flat fee on loans this small, typically between $15 and $30, that you pay back plus the loan.

Traditionally, lenders would ask you to write a post-dated check for the amount plus the fee, say $115, when you applied for a loan. But now, it’s more common for lenders to automatically withdraw the money from your account.

Am I eligible for a $100 loan?

You can generally get a loan if you meet the following criteria:

  • You’re over 18
  • You have a steady source of income
  • You live in an eligible state

Most states have restrictions on how much a short-term loan provider can charge on interest and fees. And some ban payday loans altogether.

Compare $100 loans

How to increase your chances of approval

While there is no definite way to make sure a lender approves your application, it could help your application to keep the following in mind:

  • Make sure you’re eligible. Each lender has its own criteria. Make sure you meet it before you apply for a loan.
  • Check your credit report. You can correct any mistakes on your credit report, which increases your credit score.
  • Limit your applications. Submitting too many applications can negatively affect your credit score.

Factoring in your repayments. It’s important that you have a fair idea of what your repayments will look like before you apply for your $100 loan. Once you know how much you have to repay, take into account your existing salary and expenses to make sure you can afford the loan.

What to avoid with a $100 loan

When you look for a $100 loan, bear in mind that it can come with risks.

  • Avoid taking on more debt than you can handle and exercise caution throughout the loan process.
  • A short repayment period and high fees translate into high APRs.
  • You can avoid high rates by comparing multiple lenders. Remember to consider all costs, including financing fees if applicable.

Looking for a different type of loan?

Fixed Term

Fixed Amount

7 days Green checkmark $1,000
30 days Green checkmark $1,500
2 months Green checkmark $2,000
3 months Green checkmark $3,000
5 months Green checkmark $4,000
6 months Green checkmark $5,000
12 months Green checkmark $10,000
24 months Green checkmark $300

Are payday loans available in your state?

Frequently asked questions about $100 loans

Learn more about $100 loans with answers to commonly asked questions.

How do I begin the application process?

The first step is to compare your options. After you find a loan, click on the “Go to Site” button. Once on the lender’s website, you can begin the application process.

What happens after I apply?

Some lenders inform you of their decision in minutes, while other can take up to two business days. Expect to hear from the lender about their decision whether or not they approve your loan application.

Is there anything I should know before taking out a short-term loan?

There are a few things you should know about short-term loans in order to make the right decision for you.

First, you should generally only take out a short-term loan in emergency situations because this type of loan is typically a one-time solution. If you have structural financial problems that cause you to have difficulty repaying debts, you should consider credit counseling.

Second, you’ll want to make sure you can repay your short-term loan in a timely manner. Missing the due date on your repayment will result in additional charges. Avoid digging yourself into a deeper financial hole by taking on debt you can’t afford.

Third, before accepting a short-term loan, be sure to read the lender’s terms and conditions carefully. It’s important to read the fine print so you know exactly what you are paying and when it is due.

Can I repay my loan early?

This depends on the individual lender. When reviewing your loan contract, be sure to voice this question as some payday loan lenders charge extra fees for early repayment.

How long will it take for me to receive approved funds?

Funds are usually deposited into your bank account on the next business day. It ultimately depends on the lender and your bank.

Is having a checking account necessary?

Most lenders require applicants to have operational checking or savings accounts where they can transfer funds electronically.

Will a late payment on a loan affect my credit?

While not all lenders report to the big three credit agencies that handle credit, some might choose to report late or missing payments. This is at the discretion of the lender.

What happens if I know my payment will be late?

The best solution is to contact your loan provider and inform them. Usually, the lender will be willing to extend the payment deadline and find ways to help you through difficult financial times.

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2 Responses

  1. Default Gravatar
    HannahMay 22, 2019

    Can I get a loan deposit into my bank account FAST? I need about $300

    • Avatarfinder Customer Care
      nikkiangcoMay 23, 2019Staff

      Hi Hannah,

      Thanks for your inquiry. To know if you could get a payday loan, start with filling out your state in the form provided above. Once done, it will show the providers available in your state so you can get started choosing and comparing which lender to go for. Once your application is processed and approved, funds are usually deposited into your bank account on the next business day. Some lenders inform you of their decision in minutes, while others can take up to two business days. Expect to hear from the lender about their decision whether or not they approve your loan application.

      As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps!


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