Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Get a $100 loan by tomorrow

Compare lenders that accept bad credit and offer cash or direct deposit loans.

We reviewed over 130 payday loan and installment loan providers before coming up with this list of lenders that offer $100 loans. With these lenders, you can apply online or at a store and get $100 soon as the same day.

7 lenders that offer $100 loans

These lenders offer payday loans and cash advances as low as $100 — although they may not be available in all states.

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
Tidal Lending
Tidal Lending
$100 to $30,000
As Soon As Next Business Day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
Up to $250
1 to 3 days or same-day in some circumstances
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
OppLoans Installment Loans
$500 to $4,000
1 business day
Direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
ACE Cash Express Short-term Loans
Varies by state
As fast as same business day
Steady source of income, checking or savings account, not currently in bankruptcy, ages 18+
Its satisfaction guarantee means you can return the full loan amount within 72 hours if you change your mind.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
MoneyKey Loans
$150-$2,000 (varies by state)
As soon as the next business day
Regular source of income, live in an eligible state, active checking or savings account, age of majority in your state, US citizen or permanent resident, valid phone and email address.
You have options when you’re looking to borrow a short-term loan — good credit not required.

Compare up to 4 providers

6 ways to get a $100 loan

Payday loans, credit card cash advances and pay advance apps all offer loans starting at $100. Here are a few options you can consider when you need to borrow:

  1. Pay advance apps. Hourly workers can use apps like Earnin, usually for an optional tip or monthly membership fee — but these small-dollar loans amounts are based on the wages you’ve already earned.
  2. Payday lenders. Many payday loans start at $100, usually with a financing fee of $10 to $15. Most have a short term and are due within 14 to 30 days, which gives you an APR of around 122% to 391%.
  3. Your bank. Some banks have started to offer small-dollar payday loan alternatives to current customers during the coronavirus outbreak at a much lower interest rates than a payday lender would charge.
  4. Pawn loans. If you have an asset worth between $166 and $400, you can likely pawn it for $100, which you’ll repay plus a fee of $5 to $25 per month you take to pay it back.
  5. Credit card advances. If you have a credit card, you can likely withdraw $100 from an ATM — if you can’t charge the expense to the card itself. You usually pay an advance fee of $10 and an ATM withdrawal fee of around $3, on top of a higher APR than credit card purchases.
  6. Bank account overdrafts. When you have no other options, you can withdraw $100 from your bank account even if you don’t have the funds. But with overdraft fees hovering around $35, this can be an even more expensive option than a payday loan.

How to apply for a $100 loan

To apply for a $100 loan, you can typically fill out a quick online application. If you’re eligible, most lenders are able to fund small-dollar loans within one to two business days — and you might not even need a good credit score.

  • Apply online. You can get started on our table to find a lender that offers $100 payday loans in your state, and you may be able to get your funds as soon as the next day.
  • Visit a store. If you don’t want to wait for a bank account transfer, you can visit a store to potentially get your funds the same day you apply.

7 questions to ask before choosing a loan

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

  1. Are $100 loans available? Not all payday loans are this small. Make sure this loan amount is available before you apply.
  2. What is the turnaround time? Most online loans are available the next day, while in-person payday loans can be approved and funded within a few hours.
  3. How long do I have to pay it back? State laws determine this, but these usually have a short term of two to four weeks.
  4. What are the rates and fees? The best way to compare the cost of a loan is to look at its APR. The APR tells you how much it would cost over a year, and makes it easier to compare the cost of loans with different short terms.
  5. Am I eligible? You typically need to be over 18, have a state-issued ID and proof of income to get approved. And pay advance apps might only be available to hourly workers.
  6. Is the lender legit? If your state requires a license, look for the lender’s license on the its website. And if you’re applying online, make sure the application is encrypted before you enter your information.
  7. What do customers say? Read reviews on sites like the Better Business Bureau and Trustpilot to find out what you can expect as a customer.

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.


  • Same-day funding available
  • Bank account might not be required
  • Applications available online and in person
  • May be eligible with bad credit


  • Few options with an APR below 100%
  • Not every lender is legit
  • Payday loans aren’t legal in all states

What to avoid with a $100 loan

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

  • Taking on more debt than you can handle
  • Ignoring the loan contract
  • Extremely short repayment periods

Looking for a different type of loan?

Fixed Term

Fixed Amount

7 daysGreen checkmark$1,000
30 daysGreen checkmark$1,500
2 monthsGreen checkmark$2,000
3 monthsGreen checkmark$3,000
5 monthsGreen checkmark$4,000
6 monthsGreen checkmark$5,000
12 monthsGreen checkmark$10,000
24 monthsGreen checkmark$300

Frequently asked questions about $100 loans

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

Will my lender run a credit check?

It may. While you don’t need good credit to qualify, you may need to meet certain other credit requirements to be eligible — especially for a loan that can help to build your score.

Can I repay my loan early?

Most lenders don’t charge prepayment penalties, but you should review your loan contract or ask your lender to confirm its terms.

Is having a checking account necessary?

Most lenders require applicants to have operational checking or savings accounts where they can transfer funds electronically. Installment and payday loans you can apply for in person may not have this requirement.

Will a late payment on a loan affect my credit score?

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.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

  1. Default Gravatar
    HannahMay 22, 2019

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

    • Default Gravatar
      nikkiangcoMay 23, 2019

      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!


Go to site