Get a $100 Loan Fast

Options to Get a $100 Cash Advance

There are several loan types that allow you to borrow $100.

Payday Loans

A payday loan is a short-term loan with lump-sum repayment on your next paycheck. Loan amounts range from $100 to $1,000 and are determined by state law and a borrower’s income. The repayment is usually made in 14 to 30 days. For a $100 payday loan, you will likely pay a fee of $10 to $30. These loans work best for small emergencies and money gaps.

Installment Loans

An installment loan offers more repayment flexibility, allowing you to split the repayment over a longer period. While it may be difficult to find a lender who will offer you an installment loan as low as $100, options still exist. The repayment periods typically range from 2 to 24 months. The interest rate is determined based on the borrower’s creditworthiness. Installment loans are a better option for people who need money for ongoing needs with more time to repay.

Credit Union Payday Alternative Loans

PALs are designed to make debt more manageable compared to regular payday loans. Credit union members can borrow up to $2,000 for a period of 1 to 12 months, with an interest rate capped at 28%. PALs do not require good credit, but a hard credit check is involved in the process.

Cash Advance Apps

Cash advance apps are digital tools that allow you to access a portion of your future paycheck upfront. They often charge no mandatory interest but may apply extra fees for monthly access or instant funding. The repayment is made in 14 to 30 days via automatic ACH transfers. To qualify, you typically need to be officially employed.

Credit Card Cash Advances

With a credit card cash advance, you can withdraw money from your available card balance within a specific limit. Simply visit the nearest ATM or an issuer store, bring your card and ID, and get a small loan without any preliminary application or verification. Interest applies immediately, and an APR is usually higher than that on your regular purchases. Withdrawal fees for each transaction may also be charged.

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 credit.

If you can show consistent deposits, you may get a $100 loan, even if you have past delinquencies or no credit history at all.

Borrowing 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.

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.

Other Ways to Get $100 Fast Without Borrowing

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

Some employers may allow you to access a portion of your earned paycheck upfront. Even if there is no formal policy about it in your company, your boss may still be willing to help you. Submit a payday advance request by filling out a specific form on a corporate platform or writing to your HR. If approved, you will get the money in the same account used for paycheck transfers and repay it through payroll deductions.

Find a Freelance Job Online

A beginner freelancer can make $10 to $25 per hour at platforms like Upwork by completing simple tasks that do not require specific hard skills. Consider becoming an account manager, personal assistant, typist, virtual assistant, or email handler to earn an extra $100 over a few days.

Sell an Item You No Longer Use

Platforms like Craigslist, Facebook Marketplace, and Nextdoor can help you sell your stuff without extra fees that cut off your sales. However, you’re responsible for connecting with a buyer, arranging payment, and making the exchange. 

Services like Amazon, eBay, or Bonanza are a way to go if you need to sell items quickly, but they typically charge referral, item, order, and subscription fees. For example, if you sell an item for $20 on Amazon, you will be charged a fee of 99 cents per item, an additional 15% referral fee ($3), and a closing fee of $1.80. This way, you will only get $14.21 in hand.

Turn to Local Charities and Community Programs

Charities and community services often provide emergency assistance for needy people, helping them with necessities like food, healthcare, child care, rent, utilities, or disaster recovery. Dial 211 or visit 211.org and learn more about the programs you may be eligible for given your situation.