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All You Need to Know About 100 Dollar Loans

100 dollar

Financial hiccups are unavoidable. They can happen at any time without a warning. In such situations, even an insignificant amount of money like 100 dollars can be of great help. 

If you ever find yourself in a financial bind, where a small amount of money like 100 dollars can help you out, then consider taking a look at borrowing 100 dollar loans.

These loans are becoming more and more popular as people are finding themselves in need of small loans because, let’s face it, sometimes a month seems bigger than the amount of money that you have. Getting a small $100 loan can help you at least pay for daily essentials until you get your next paycheck. Read also about 5 Best Cash Loans Online.

What is a 100 Dollar Loan?

As the name suggests, a $100 loan is a kind of short-term payday loan. The best thing about this loan is that you can get approved even if you have a bad credit history.

Best of all, applying for a 100 dollar loan is easy, and the cash is transferred to your account almost instantaneously because of the small amount. There are no restrictions on what the $100 loan can be spent on since it is a relatively small amount of money. 

These loans can be repaid by the end of each month or when you get your paycheck.

Why You Need a 100 Dollar Cash Advance

Most people think that $100 is such a small amount, why would I need a 100 dollar loan?

You don’t need to have a big emergency to request a 100 dollar cash advance. Sometimes, emergencies can be as small as paying for a minor car repair bill, or buying essentials to help you get through the rest of the month before your next paycheck. 

But there are other benefits that come along when you borrow 100 dollars:

One of the biggest advantages of getting a 100 dollar loan is how quickly and easily you can have the $100 loan deposited into your account. 

With traditional loans, you have to wait weeks, sometimes even months for approval. This beats the purpose of why you might be seeking a loan in the first place.

Meanwhile, if you borrow 100 dollars from a short-term lender, it is highly likely that the 100 dollar loan direct deposit will be completed in 24 hours, thus giving you quick access to money.

A 100 dollar loan is very easy to qualify for. 

There are no strict requirements such as a good credit score and history or stable proof of income.

Sometimes, lenders will even lend a $100 loan to those who do not have a stable source of income, as long as you can show some proof of being able to repay the loaned amount.

100 dollar payday loans are great because they have no set terms of usage. You can use them for pretty much anything that a $100 loan can cover. 

This can include car repair bills, groceries, minor hospital bills and other utilities. Usually, lenders will not ask you the purpose of borrowing, but this may vary from lender to lender, so be sure to do your research before deciding on a lender.

Companies Offering $100 Loan

Not every lender offers 100 dollar cash advance, despite being payday loan lenders, but there are still plenty of trustworthy options to choose from. 

We have handpicked the best options for you to consider:

Viva Payday Loans

Viva Payday Loans is by far the most trustworthy and established loaning service that connects people with lenders. 

Viva Payday has a huge network of lenders willing to offer as little as $100. Plus, the company charges no extra service fees.

The two main requirements to qualify for a 100 dollar cash advance at Viva Payday include:

But don’t be alarmed by the second requirement, the final approval mainly depends on your source of income and monthly expenditure. 


In most cases, you will have up to a year to pay back the borrowed amount. On the downside, interest rates can range from a low of 5.99 percent to a high of 35.99 percent. 

However, most lenders are willing to offer lower APR rates due to the small loan amount, so it is best to talk to your lender to see what concession they are willing to offer. 

Visit Viva Payday Loans

Once your form has been reviewed and approved, you can expect a 100 dollar loan direct deposit within an hour (or 24 hours max). Also, you will have the option to pay back the amount before the due date as there are no early repayment penalties.

Here are some of the pros and cons of choosing Viva Payday:

  • Quick deposits (less than 24 hours)
  • Extensive repayment terms of up to a year
  • Loan approval does not depend on credit score
  • Interest rates can sometimes be very high
  • Not available in most major US states

Viva Payday is a reliable name but try to bring the interest down by choosing an affordable lender. 

Low Credit Finance

If you’re looking to borrow 100 dollars with instant approval and cash out then Low Credit Finance can be a great option. Applications are processed in a few minutes and approval is very easy.

Credit scores aren’t the focus when observing a borrower’s loan application. But again, Low Credit Finance does not guarantee that a lender will not perform a soft credit check. 

However, the good news is that even if a lender finds your credit score to be too low to be eligible for a $100 loan, Low Credit Finance will connect you with another lender instead.

Proof of a stable income (at least $1,000 per month) and permanent residency in the US are the top two requirements to be eligible for a 100 dollar loan.

Low Credit Finance

APR rates at Low Credit Finance start at about 5.99 percent, which can vary slightly depending on the lender you pair with. While this interest rate may seem high to some, it’s a lot cheaper than other lenders considering the fact that Low Credit Finance charges no additional ‘service’ fee.

Additionally, some people might even be offered lower APR rates. However, this depends entirely on the lender. 

Most lenders have payment terms ranging from a minimum of 60 days to a maximum of 90 days. We think that these terms are pretty good for such a small loan.

  • Receive application results within as little as 2 minutes.
  • Negotiable repayment terms
  • Money will usually show up in your account on the same day.
  • Rejections are common.
  • Lenders have their own terms

If you need to borrow 100 dollars and receive quick cash then consider Low Credit Finance.

Visit Low Credit Finance

Big Buck Loans

Big Buck Loans offers emergency $100 loans without any credit checks. The company claims that they approve 9 out of 10 loan applications, thus there’s a high chance of your application getting approved.

There are no hidden costs or fixed repayment terms set by the issuer. You can always negotiate and decide on a term that is most feasible to you. However, reviewers on the internet claim that the average repayment term for a $100 loan is around 60 to 90 days, which we think is pretty decent.

big buck loans

Interest rates start at 5.99 percent and go up to 35.99 percent. You will typically get a rate that is on the lower side if you have a decent source of income. Another great plus is how fast the company is. The amount is usually deposited in 15 minutes, making it one of the best lenders for $100 loans.

  • Instant loan approval for everyone.
  • Negotiable repayment terms.
  • 15-minute cash payout time
  • Despite loan application approval, loan approval is not guaranteed

Big Buck Loans is one of the best options for those who want fast cash with flexible repayment terms.

Visit Big Buck Loans

Green Dollar Loans

Green Dollar Loans does not promise instant cash out, but it does offer tons of other benefits that make it one of the best options to go for if you are seeking a 100 dollar cash advance.

First and foremost, the loan application process is easy and fully online, which means you will not have to call or talk to a representative to complete the process, but some documents may be required.

Eligibility requirements for loan applications are standard and can be met by the average American citizen. You must be earning a minimum of $250 per week and be a resident to qualify. On the plus side, there are no credit score requirements but the company may run a soft check, which will not impact your rating.

green dollar loans

The repayment terms are set by the lender, but they’re very friendly and usually between 3 months to a year. However, a $100 loan is usually to be returned in 90 or fewer days. The company doesn’t allow negotiations so make sure to make timely payments as not doing so could impact your credit score.

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Interest rates are also set by the lender and start as low as 5.99 percent. 

Loan applications are usually approved in 2 minutes. Money is usually deposited the next business day. This means if you get approved on Monday, money will show up in your account on Tuesday and if you get approved on Friday then it will show up in your account on Monday.

Here are some of the pros and cons of choosing this lender:

  • Very easy to qualify
  • Offers excellent customer support
  • Instant application approval (within 2 minutes)
  • Can be a little slow to deposit funds

Green Dollar Loans is a reliable option for applicants seeking 100 dollar loans with easy eligibility requirements and flexible repayment terms.

Visit Green Dollar Loans

Credit Clock

While Credit Clock does not offer instant loan approvals, it makes up for that by offering instant loan payouts. Like most options on this list, Credit Clock is a marketplace that gives users access to hundreds of lenders.

You will have the option to choose from a number of lenders. Be wary of eligibility requirements and terms as they change from lender to lender.

Loan approval can take up to a day, but once you receive your approval, you can expect a 100 dollar loan direct deposit to be made to your account within 60 minutes. 

credit clock

To be approved for a loan, the borrower must be of legal age, be a permanent resident of the US, and be able to provide proof of stable income. You will have to submit relevant documents, however, the company doesn’t advertise minimum income. Also, loans are even offered to people with a credit score of less than 579. 

The loan can be used for whatever needs you may have. Most lenders on the platform will not ask for the reason. Though some might, just for the purpose of having complete details. 

Credit Clock offers 3 to 6 month repayment terms, which is pretty standard for a $100 loan. In addition, you will have the option to negotiate terms.

Visit Credit Clock

In case of late payment, a penalty can be imposed on the amount to be repaid. Additionally, late payments can impact your credit score.

Interest rates start at a standard of 5.99 percent and go up to 35 percent. However, the offered interest rate will depend on factors such as your income and your credit score.

Here are some of the pros and cons of choosing Credit Clock:

  • A 100 dollar loan direct deposit can be made within 60 minutes after approval.
  • Flexible repayment terms.
  • You don’t need a good credit score to qualify.
  • Not available in all US states

Credit Clock can be a little slow but is very easy to work with so consider this option if you don’t mind the longer approval time.

All You Need to Know About 100 Dollar Loans: Conclusion

A 100 dollar cash advance is easy to obtain. You only need to meet the requirements set by each company, which usually include a permanent residency in the US, a solid proof of income, and an average credit score. 

Go through the list above, and be sure to only apply for a 100 dollar loan if you are sure you will be able to pay it back on time. Failing to do so can put a much heavier burden on your shoulders. 


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