Compare and Apply for the Cheapest $100 Loans in Seconds

Comparison updated Jul 2025

Written by human
Written by Joe Chappius

- Jul 18, 2025

  • Compare top $100 loan options instantly
  • Explore non-borrowing alternatives
  • Find lenders with quick payouts

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Showing results 5/39

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Best for urgent cash

Personal loan

139 of customers chose this
Annual interest rate5.99% - 35.99%
Term14 days - 6 years
Accept bad credit historyNo
Payment within 24 hoursYes
Weekend payoutNo
Origination feeVaries between lenders
Financer Score
4.0
Overview
Details
Annual interest rate5.99% - 35.99%
Term14 days - 6 years
Accept bad credit historyNo
Payment within 24 hoursYes
Weekend payoutNo
Origination feeVaries between lenders
Get started

Personal loan

29378 of customers chose this
Annual interest rate1% - 5%
Term1 day - 1 month
Accept bad credit historyYes
Payment within 24 hoursYes
Weekend payoutYes
Origination fee5%
Financer Score
3.7
Overview
Details
Annual interest rate1% - 5%
Term1 day - 1 month
Accept bad credit historyYes
Payment within 24 hoursYes
Weekend payoutYes
Origination fee5%
Get started
Popular choice in July

Personal loan

15363 of customers chose this
Annual interest rate91.52% - 630.13%
Term14 days - 3 months
Accept bad credit historyYes
Payment within 24 hoursYes
Weekend payoutNo
Origination feeVaries by state and loan type
Financer Score
2.0
Overview
Details
Annual interest rate91.52% - 630.13%
Term14 days - 3 months
Accept bad credit historyYes
Payment within 24 hoursYes
Weekend payoutNo
Origination feeVaries by state and loan type
Get started

Personal loan

552 of customers chose this
Annual interest rate143.29% - 688.28%
Term7 days - 2 years
Accept bad credit historyYes
Payment within 24 hoursYes
Weekend payoutYes
Origination feeVaries by state and loan type
Financer Score
1.3
Overview
Details
Annual interest rate143.29% - 688.28%
Term7 days - 2 years
Accept bad credit historyYes
Payment within 24 hoursYes
Weekend payoutYes
Origination feeVaries by state and loan type
Get started

Personal loan

18956 of customers chose this
Annual interest rate471% - 841%
Term14 days - 9 months
Accept bad credit historyYes
Payment within 24 hoursYes
Weekend payoutNo
Origination fee$0
Financer Score
0.0
Overview
Details
Annual interest rate471% - 841%
Term14 days - 9 months
Accept bad credit historyYes
Payment within 24 hoursYes
Weekend payoutNo
Origination fee$0
Get started

Finding yourself in need of a quick $100 can be stressful, but don't worry – you're not alone. Whether it's an unexpected bill, a minor car repair, or just making ends meet until payday, many Americans face this situation.

And this is where you can count on Financer to help you. We won't lend you this $100, but we'll help you compare the available offers and find the leading lenders for your situation.

We've analyzed dozens of lenders and their offers to be able to instantly show you options based on your location, credit profile, and financial needs.

High cost

Loas for small amounts, such as $100, often come with terrible terms. High interest rates, short repayment periods, and hefty fees are common.

Options to Get a $100 Loan

You have many alternative ways to get the $100 you need. Even if some options haven't worked out, we'll guide you through some effective shortcuts.

Payday Loans

The most common option for $100 loans is a Payday Loan. These are short-term, high-cost loans typically due on your next payday, usually within 2-4 weeks.

Designed for emergencies, they have lenient requirements, making them accessible even with bad credit.

However, the significant drawback is their high APRs, often exceeding 300%, with a typical cost of $15-$30 for every $100 borrowed.

Consider a Payday Loan if

  • You need money as soon as possible and cand repay it on your next payday

  • You understand the high cost and can avoid a debt cycle

  • You have poor credit and can't access more affordable options

Apply For a $100 Payday Loan Now

Cash Advance Apps

For $100 loans, the newer option in the financial technology space are the cash advance apps. They can provide small, short-term loans, often with more favorable terms than traditional payday loans.

These are also designed for repayment on your next payday, making them similar to payday loans.

Caution

While these apps often have lower fees than payday loans, be aware of subscription costs and potential overdraft risks. Always read the terms carefully.

Personal Loans

While many personal loans are for larger amounts, some lenders offer small personal loans starting at $100. These can be a good option if you need more time to repay than a payday loan allows.

Save time

When looking for a Personal Loan, consider a service like Secure Speedy Loans. They help you compare multiple offers in a single search, for free.

What to Know About Small Personal Loans

  • Interest rates typically range from 6% to 36% APR, based on credit score

  • Repayment terms are usually 1 to 12 months for small amounts

  • May require a credit check, impacting approval and rates

  • Some lenders offer same-day or next-day funding

Credit Union Payday Alternative Loans (PALs)

If you're a member of a federal credit union, Payday Alternative Loans (PALs) can be an excellent option. These small, short-term loans are designed to help you avoid the high costs of traditional payday loans.

Key Features of PALs

  • Borrow $100 to $2,000

  • Interest rates capped at 28% APR

  • Loan terms from 1 to 12 months

  • No rollovers, helping you avoid debt traps

If you're not a credit union member, consider joining one. Many have relaxed their membership requirements, and the potential savings on small loans like this can be substantial.

Credit Card Cash Advances

If you have a credit card, a cash advance can be a quick way to get $100. However, this option comes with significant drawbacks that you should consider carefully.

Cash Advance Considerations

  • High interest rates, often 24% APR or higher

  • Interest begins accruing immediately, no grace period

  • Additional cash advance fees, typically 3-5% of the amount

  • Can negatively impact your credit utilization ratio

Understanding the True Cost of a $100 Loan

Before taking out any loan, it's crucial to understand the total cost. Let's compare the potential costs of borrowing $100 through different methods:

Loan TypeAPRFeesTotal Repayment (14 days)Cost of Borrowing
PAL28%$0$101.08$1.08
Personal Loan36%$0$101.38$1.38
Cash Advance AppN/A$5 (tip)$105$5
Credit Card Cash Advance24%$10 (10%)$110.92$10.92
Payday Loan400%$15$115$15

As you can see, the cost of borrowing $100 can vary dramatically. Payday Alternative Loans (PALs) and some personal loans offer the most affordable options, while payday loans can cost you significantly more.

What Do I Need To Get a $100 Loan?

Getting a $100 loan can vary depending on the lender and type of loan you're pursuing. However, most lenders will require some basic information. Here's what you'll typically need to provide:

Common Requirements for Loans

  • Proof of Income: Recent pay stubs, bank statements, or tax returns

  • Identification: Valid government-issued ID (e.g., driver's license, passport, or state ID)

  • Proof of Address: Utility bills, lease agreements, or bank statements

  • Bank Account Information: For direct deposit and automatic withdrawals

Having these documents ready before applying can speed up the process and increase your chances of approval.

FAQs About $100 Loans

What can I do with a 100 dollar loan?

Sometimes, you don’t need a lot of money to handle your emergency. A loan for as little as $100 can make the difference when your situation only needs a little cash to rectify.

Taking out an instant $100 loan also generally means you must repay it quickly – often on your next payday. These quick loans are absolutely perfect when you’re in a pinch.

You can use $100 payday loans for several reasons:

  • You need groceries for the week but lack the funds
  • The car is low on gas, and payday is a couple of days away
  • A small unexpected expense has reared its head like a utility bill or potential overdraft
Where can I get a $100 loan?

Most online payday lenders offer small loans of $100 which are usually due when you receive your next paycheck.

How much will a 100 dollar loan cost?

If you're thinking, 'I need a 100 dollar loan now', you may want to consider the cost. Depending on your state, loan fees are usually between $15 and $30 for a $100 loan. For a small loan amount like this, it might be a better option to take out a loan with family and friends, before applying for a payday loan.

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