How to get a $100 short-term loan before next payday |

Get a $100 loan until your next payday

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Where to get a $100 loan to last you until your next payday.

When you need an extra $100 fast, a payday loan might be a good option. Especially with bad credit. You apply at a store or online. And if you’re approved, you can get your money quick as the same day. Payday Loans

Apply for a short-term loan through this matching service, even with low credit – repay it on your next payday.

  • Min. Loan Amount: $100
  • Max. Loan Amount: $1,000
  • Turnaround Time: 1–2 business days
  • Must be 18+
  • Confidential and secure

    Compare and apply for $100 loans today

    Rates last updated February 18th, 2019
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Term of Loan Turnaround Time Max. Loan Amount Payday Loans
    Whether for emergencies or unexpected expenses, this provider may be able to connect you among its nationwide network of lenders.
    Up to 12 months
    1–2 business days
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    Varies by state
    1–2 business days
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    1 business day

    Compare up to 4 providers

    How do I get a $100 loan?

    • Find a lender. Our comparison table can help you find a lender that offers $100 loans in your state.
    • Make sure you’re eligible. Most lenders require you to have a bank account and regular income to borrow $100.
    • Apply online or in-store. Found a lender you like here? Click the Go to Site button to get started.
    • Wait for approval. You can often get approved in as little as a few minutes for a loan as small as $100.
    • Get your money. If you applied 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 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, usually between $15 and $30 that you pay back plus the loan.

    Traditionally, lenders would ask you to write a post-dated check for, 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.

    Get a $100 loan now

    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.

    Pros and cons of $100 loans


    • Quick turnaround time. These loans can be processed within a couple of hours and in your account in as little as one business day.
    • Easy approval. Short-term loan lenders are known for the leniency of their approval process.
    • Apply with bad credit. Having bad credit doesn’t mean you can’t get a loan. Most payday lenders will consider you for a loan with less-than-perfect credit.


    • High interest rates. Interest rates for short-term loans are noticeably higher than most other loan types so you may want to explore other options first.
    • Disreputable lenders. If any offer seems too good to be true, it probably is. Ensure the lender you’re applying with has a solid reputation by reading independent reviews and checking with your local government.

    What you need to know when comparing your options

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

    • What do you have to pay the loan back? State laws determine how many weeks a short-term loan can last, usually anywhere from two to four weeks.
    • What are the fees and charges? Lenders may charge financing fees or monthly fees in addition to the interest rate. They can charge you late/missed payment fees and fees if you go into default. If you think you’ll have any problems repaying your loan, you may want to reconsider applying.
    • What is the interest rate? Interest rates for short-term loans vary significantly from one lender to another. It’s always best to compare to know the rate is competitive.
    • Is there repayment flexibility? Lenders who offer loans up to $100 normally require you to set up direct debits through a bank account in order to make payments, and some will charge if you choose to repay your loan early.
    • What is the reputation of the lender? The Internet has given rise to a number of online lenders, so finding out if the lender is legit is important before you apply.

    Get a $100 loan now

    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?

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    Frequently asked questions about $100 loans

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    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

    Apply for a short-term loan with an easy online application and dedicated customer service.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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