Get a $100 Loan Instantly
- 5‑minute online process
- No credit check
- Same-day funding
- Emergency cash solution
- Deposited by a direct lender
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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A flat tire, an empty fridge, a sudden bill, or another emergency can easily throw off your week. A $100 loan from 1F Cash Advance can help bridge the gap, no store visit and no hard credit check required. Simply complete our easy online application and view clear loan terms in seconds. With our fast and straightforward process, you could receive your instant loan before the day ends.
How Can I Use a $100 Payday Loan
A $100 payday loan can help with unexpected expenses and everyday needs that can’t wait, such as:
- Covering overdraft fees or a sudden bill
- Paying utility bills
- Filling up the car
- Covering medical expenses or urgent prescriptions
- Buying groceries
- Repairing a vehicle
How to Borrow $100 with 1F Cash Advance
We’ve made it easy! Just follow these three simple steps to borrow $100 almost instantly:
Apply 24 / 7
Submit your online application anytime. No long waits or complicated paperwork.
Apply NowGet a quick approval decision
If approved, you will see the fee, repayment date, and total cost.
Receive your money
Approved funds will be deposited into your bank account on the same or next business day.*
*If you apply with 1F Cash Advance early in the morning (before 10:30 am), you may get your funds the same day. Applications submitted later are processed the next business day.
Loan Eligibility
Most working adults can qualify for 1F Cash Advance loans. Here are our basic eligibility criteria for a $100 loan:
- At least 18 years old
- U.S. residence
- Proof of address in the state you apply in
- Verifiable monthly income of at least $800
- An active checking account that accepts electronic deposits
- Valid email and phone number
We focus on your current income, not your credit scores. The identity check involves a soft pull. Your FICO score stays intact.
Can I Get a $100 Loan with Bad Credit
We understand that credit reports often reflect years of history, including mistakes you may have already resolved. That’s why our approach is different: we focus on your income and banking activity rather than relying on hard credit checks.
If you can show consistent deposits, you may get an almost guaranteed $100 loan with no hard credit check, even if you have past delinquencies or no credit history at all.
Other Options to Get $100 Fast
A payday loan should be used when no other, more affordable options are available. Take a moment to check some alternatives first:
- Ask your boss for a paycheck advance
- Use a fee‑free cash‑advance app
- Sell or pawn an item you no longer use
- Ask a friend or family member for a short‑term loan
- Check local charities for utility or rent grants
If these options are not available, our $100 loan can provide immediate assistance.
What Will My Loan Cost?
Short‑term loans cost more than traditional bank options. On average, you can expect to pay from $10 to $30 for every $100 borrowed over up to 31 days. The table below shows how the cost of a $100 loan can vary depending on the repayment period and finance charge:
| Repayment Period | Finance Charge | Total Repayment | APR |
|---|---|---|---|
| 14 days | $15 | $115 | 391% |
| 30 days | $15 | $115 | 183% |
| 14 days | $30 | $130 | 782% |
| 30 days | $30 | $130 | 365% |
This example is for illustration only. Actual fees, terms, and schedules vary by contract and state laws. Additional charges may apply. Check your agreement for full details.
Borrow Responsibly
A small $100 loan is still a commitment. Below are some tips that will help you handle your loan responsibly:
- Borrow only what you need. Fees rise with every extra dollar.
- Map the due date. Set a reminder in your phone two days early.
- Don’t take out multiple loans. One loan per pay cycle keeps repayment realistic.
- Plan for repayment. Ensure your paycheck covers the debt plus routine bills.
- Talk to your lender. If you face any problems, call us before the due date to negotiate possible solutions.
Where Can I Get a $100 Near Me
Our online service is available across the US, allowing you to apply from the comfort of your home 24/7. You can also visit a 1F Cash Advance store in your state for in-person assistance.
Why Choose 1F Cash Advance
When you need cash fast, choosing the right lender matters. Here’s why many people turn to 1F Cash Advance for instant loans:
Speed that’s real
Instant decisions and funding within a day ensure you can meet your emergency needs.
Encryption everywhere
256‑bit SSL guards your data end to end.
Human backup
Live chat, phone lines, and store staff answer real questions.
Frequently Asked Questions
I need money now. Where can I borrow $100 instantly?
You can get a $100 loan fast by applying online from home. It takes just a few minutes, and funds may arrive within one business day.
Will applying lower my credit score?
No. We perform only a soft check to verify your loan eligibility. Such a check is not reported to credit bureaus.
How soon will I get the money?
Approvals before 10:30 am are usually funded the same day. If you submit your application after 10:30 am or on weekends, the funds will be deposited on the next business day.
Can I repay the loan early?
Yes. You can repay early through your account. Some agreements may include early repayment fees - check your credit terms for details.
What will happen if I don’t repay on time?
You may be charged an NSF fee and additional interest. Call the number listed in your credit agreement to discuss your options.
Can I renew or extend my payday loan?
Renewal policies vary by state. Some allow one rollover while others prohibit it entirely. Your loan agreement will outline the specific rules that apply in your area.
What if I need more than $100?
Choose the larger amount option on the form to view installment loan offers of up to $5,000. You might need a higher income to qualify for larger loan amounts.