Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers

$100 Loans Online

  • No Obligation Online Quote
  • Borrow 100 Dollars
  • Apply 24X7- Day or Night
  • Instant Online Decision

Representative example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers***. Loan term lengths from 3 to 36 months for qualified consumers.

100 Loans Online
100 Loans Online
Tell Us About Yourself

Tell Us About Yourself

Complete our quick 2-minute online application to search your specialized lender with the best match. Rest assured; your personal information is secure with us.

Get Decision

Get Decision in 3 Minutes

Review the offer thoroughly. Consider the loan amount, repayment period, and APR terms. If the offer meets your needs, accept it to receive your funds promptly.

Receive Your Loan

Receive Your $100 Loan

Once approved, finalize your acceptance with the lender and have the funds directly deposited into your bank account.

Is a $100 Loan Right for You?

Quick Financial Relief

A $100 loan can provide immediate funds to cover unexpected expenses like medical bills or car repairs.

Low Commitment

A small loan is easy to repay, often by your next paycheck, avoiding long-term debt.

Easy Access

The online application process for $100 loans is fast and convenient for those with poor credit.

Why Choose Us

Flexible Use

Spend the loan on anything you need, from groceries to utility bills. There are no restrictions.

Build Financial Habits

Repaying a small loan on time helps build good financial habits and can improve your credit score.

Avoid Larger Debt

A $100 loan covers immediate needs, unlike larger loans or credit card debt without leading to significant debt.

Why Shorttermcredits.com?

Every day, we are dedicated to helping you find the perfect personal loan from our extensive network of trusted lenders. If our lenders can't provide a loan, we will connect you with offers for debt relief, credit repair, credit monitoring, and other supportive services.

Security You Can Trust

We safeguard your personal information with cutting-edge data encryption, ensuring you can confidently request a loan from the comfort of your home.

Convenience at Your Fingertips

Need a loan at 2 AM? No problem; review your options without any obligation. Our partners offer loans starting at $100, with rates and terms to suit your needs.

Fast and Easy Application

Apply quickly with our simple online form, and we'll connect you with our network of lenders in just a few steps.

Swift and Secure

Once you accept a loan offer, you can see the money in your account as soon as the next business day.

What Can $100 Be Used For?

A $100 loan can offer a quick and easy financial lifeline when needed in various situations.

Cover Emergencies

Handle unexpected expenses like car repairs or medical bills without stress.

Bridge the Gap

Get through to your next paycheck by covering essentials like groceries or gas.

Transform Your Space

Refresh your home with new decor or DIY projects. Small changes can make a big impact.

Home Repairs

Address minor home issues like a leaky faucet or broken window with a $100 loan, ensuring your home remains comfortable and safe.

How Can I Get a $100 Loan with Same-Day Funding?

Securing a $100 loan with same-day funding can be a straightforward process if you follow the right steps and choose the appropriate lender. Many online lenders offer small loans with instant decisions, which means you can get approval within minutes of submitting your application. It's crucial to fill out your application accurately and completely to avoid any delays in approval.

Once you receive an instant decision, it's important to remember that the actual transfer of funds is subject to the lender's and your bank's transfer policies. Some lenders might process the transfer immediately, but the time it takes for the money to appear in your account can vary based on your bank's processing times. Banks often have cut-off times for same-day deposits, so if your loan is approved after this cut-off, you might receive the funds the next business day.

Therefore, while getting a 100-dollar loan the same day is possible, it's essential to account for these potential timing issues. Ensure that your bank supports fast transfers to maximize your chances of receiving the funds quickly. Additionally, contacting your bank to understand their policy on receiving same-day transfers can help set realistic expectations for when you will have access to your funds.

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Is there such a thing as a guaranteed $100 loan?

When exploring the possibility of obtaining a $100 loan, you might come across offers that claim to provide a guaranteed $100 loan. However, it's important to understand that there is no such thing as a guaranteed $100 loan. This is because lenders need to evaluate the risk of lending money, even if it’s a small amount like $100. They assess various factors to determine your ability to repay the loan, such as your credit history, income, and other financial commitments.

The notion of a guaranteed $100 loan might seem appealing to individuals with poor credit history. However, reputable lenders do not offer guaranteed loans, as they must comply with regulations that require them to perform credit checks and evaluate each application on a case-by-case basis. While some lenders specialize in providing a $100 loan with bad credit, approval is still not guaranteed. These lenders may offer more lenient criteria, but they still need to mitigate their risk.

Instead of seeking a guaranteed loan, focus on finding a lender that offers transparent terms and conditions. By understanding that no loan is guaranteed and being prepared to provide the necessary documentation, you can improve your chances of securing the funds you need. Always ensure you are dealing with legitimate lenders who conduct proper assessments to avoid potential scams and predatory lending practices.

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Can I still get a $100 loan if I have bad credit?

If you have bad credit and need a $100 loan, you might wonder if obtaining such a loan is possible. The good news is that there are lenders who specialize in providing bad credit loans. These lenders understand that not everyone has a perfect credit history and are willing to offer loans for people with bad credit, including small amounts like $100. However, it's important to note that the approval process is still subject to the lender’s assessment of your financial situation.

When seeking a $100 loan with bad credit, be prepared for lenders to evaluate various factors, such as your income, employment status, and ability to repay the loan. While some lenders may offer more lenient criteria for borrowers with bad credit, instant approvals are not guaranteed for all applicants. Each lender has their own set of requirements and processes for evaluating loan applications, which means that approval is not assured even if the loan amount is relatively small.

Therefore, while you can still borrow $100 even with bad credit, it's essential to have realistic expectations about the approval process. Ensure you provide accurate information and consider lenders who specifically cater to individuals with bad credit. By doing so, you can improve your chances of getting the loan you need while being mindful of the terms and conditions offered by the lender.

$100 loan with bad credit

Are there any direct lenders offering $100 loans without a credit check?

When searching for $100 loans without a credit check, it’s important to understand the realities and potential risks involved. Some direct lenders may advertise no credit check loans, but it's rare to find legitimate lenders offering $100 loans from a direct lender without any credit assessment. This is because lenders need to evaluate the risk of lending money, and a credit check is one of the ways they do this, even for small loan amounts.

Although you might find some lenders who offer loans for poor credit, they typically still perform a soft credit check or require other forms of verification to assess your ability to repay the loan. This is crucial for both the lender's security and the borrower's financial well-being. Avoiding a credit check entirely can be risky and might lead to dealing with unscrupulous lenders who could charge exorbitant interest rates or impose unfavorable terms.

Therefore, while the idea of obtaining a $100 loan without a credit check might be appealing, it’s essential to approach such offers with caution. Focus on finding reputable direct lenders who provide transparent terms and consider other factors beyond just credit scores. By understanding the importance of credit checks and being wary of too-good-to-be-true offers, you can make informed decisions and find a loan that suits your needs while protecting your financial health.

Check your eligibility

What should I consider before applying for a $100 loan?

Before applying for a $100 loan, it's important to consider several factors to ensure you make an informed decision. Whether you need a short-term $100 loan to cover an unexpected expense or a $100 cash loan to bridge a small financial gap, understanding the implications can help you manage your finances better. Here are key points to consider before proceeding with your loan application.

Key Considerations

  1. Interest Rates and Fees: Even though $100 may seem like a small amount, interest rates and fees can significantly impact the total repayment amount. Compare different lenders to find the most favorable terms.
  2. Repayment Terms: Understand the repayment schedule. Short-term loans often require repayment within a few weeks. Ensure you can meet the repayment deadline to avoid late fees or additional charges.
  3. Eligibility Requirements: Check the lender's eligibility criteria. This often includes minimum income requirements, employment status, and sometimes a credit check. Make sure you meet these requirements to avoid application rejection.
  4. Loan Purpose: Ensure that the need is urgent and cannot be deferred. Avoid using short-term loans for non-essential expenses to prevent unnecessary debt accumulation.
  5. Impact on Credit Score: Some lenders report to credit bureaus, which means your loan could affect your credit score. Timely repayment can boost your score, while late payments can damage it.
  6. Alternative Options: Explore other options before committing to a loan. Borrowing from friends or family, negotiating with creditors, or using emergency savings might be more cost-effective solutions.
  7. Lender Reputation: Research the lender's reputation. Look for reviews and testimonials from previous customers to ensure the lender is trustworthy and transparent about their terms.

Applying for a $100 loan can be a quick solution to a financial shortfall, but it requires careful consideration. By evaluating interest rates, repayment terms, eligibility requirements, and the potential impact on your credit score, you can make a more informed decision. Always weigh the necessity of the loan against possible alternatives to ensure it is the best choice for your financial situation.

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Eligibility Criteria

Your Financial Concern, Our Focus

Eligibility Criteria

Caught in a financial crisis? Are unexpected bills or expenses piling up? Are traditional loan solutions not meeting your needs?

We get the tension that sudden expenses bring. At ShortTermCredits.com, we're here to connect you with a lender who can provide swift and easy credit solutions to address those unexpected costs.

APR Disclosure & Range

Shorttermcredits.com connects you to various lenders or lending partners, but we are not the lenders ourselves. Consequently, we cannot determine your final Annual Percentage Rate (APR). The APR we display is an exemplar, calculated using data from the diverse range of lenders we work with. Depending on several factors like credit score, state, and the specific lender or lending partner the typical APR ranges from 4.95% at its lowest to 35.99% at its highest. The repayment period can vary from 61 days at the least, up to a maximum of 48 months.

APR Disclosure Range

Please note that the extremely low rates of 4.95% are only available to certain qualifying customers. The details shared below are examples and are only intended to provide an understanding of what your terms might look like; they may not match your actual offer.

THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS. Shorttermcredits.com simply connects you to lenders or lending partners where the lenders or lending partners will dictate the exact terms and conditions of the loan. The compensation received from these lenders or lending partners may influence the offers you receive. All figures provided, including APR, loan amounts, and interest, are illustrative and actual figures will vary. Some lenders or lending partners may perform credit checks as a part of their approval process. Always look at all your options together before making any financial decisions. It is also worth noting that you might relate to a tribal lender, whose rates and fees may exceed those of state-licensed lenders and who are governed by federal and tribal laws, not state laws.

Service Availability

Where you live can change a lot about how personal loans work. Every state has its own rules about regulations concerning and governing matters related to personal loans which can affect your loan amount, APR, and repayment term.

Material Disclosure

As the operator of this site, our role is that of an advertising referral service to lenders who may offer loans ranging from $100 to $5000. Our service is free to use, and your loan application will be forwarded to one or multiple lenders. We here aim to connect you with a lender who can help. Lenders make decisions based on their risk to offer credit, so you may not always get the exact amount you are requesting nor an approval for your loan request. We receive compensation from lenders and other advertising partners for our advertising services. Short term loans should not be seen as long term financial solution.

Frequently Asked Questions

No, a $100 loan is not necessarily a payday loan. Payday loans are typically short-term, high-interest loans due on your next payday. Other types of loans may have different terms and conditions.

The duration for borrowing $100 depends on the type of loan and the lender's terms. It can range for several months. Always check the specific loan agreement for details.

No, applying through Shorttermcredits won't affect your credit score. Initially, our lenders conduct a soft search to assess your eligibility, which has no impact on your credit score. A 'hard search' only occurs if you decide to move forward with a loan offer. We're here to help you make informed financial decisions.