$100 Loan: How to Get $100 Today
| Best loan type for $100 | Payday loan (single payment) |
|---|---|
| Sample cost | $15 fee, repay $115 (at $15 per $100) |
| Repayment | One payment, usually in 2–4 weeks |
| Credit | All credit types considered |
| Funding | Often next business day |
| Cost to use our form | Free, no obligation |
Yes, you can get $100 fast
Sometimes the gap is small: a phone bill, a tank of gas, a prescription, or groceries until Friday. A $100 loan is built for exactly that. You don't need perfect credit, and you don't need to visit a store. Fill out one short online form, and we share your request with lenders in our network that serve your state.
Many lenders make a decision within minutes, and approved funds are often deposited the next business day. There is no cost to use our form and no obligation to accept an offer. See if you qualify — it takes about 3 minutes.
Which loan fits $100
For $100, the best fit is usually a payday loan: a short-term loan you repay in a single payment on your next payday, typically two to four weeks away. Payday lenders are comfortable with small amounts, and approval tends to rest on your income and bank account rather than your credit score.
Installment lenders often have higher minimum amounts, so if you only need $100, a payday loan is usually the quickest match. If you'd rather spread repayment out, you can request a somewhat larger amount and choose an installment loan with scheduled payments instead.
Payday loans are offered under state law, and a number of states don't allow them. If yours is one of them, our form can still match you with personal or installment lenders where available. See payday loan laws by state.
What a $100 loan costs
Payday loans charge a flat fee per $100 borrowed, set by the lender within your state's limit. Fees commonly fall between $10 and $30 per $100. Here's what that means on $100:
| Fee level | Fee on $100 | Total to repay |
|---|---|---|
| $10 per $100 | $10.00 | $110.00 |
| $15 per $100 | $15.00 | $115.00 |
| $20 per $100 | $20.00 | $120.00 |
| $30 per $100 | $30.00 | $130.00 |
At a sample fee of $15 per $100, you borrow $100 and repay $115 on your due date. That's the whole cost when you repay on time. Your lender shows the exact APR and terms before you sign, along with the fee, due date and total to repay, so you can review everything first.
How much will I repay?
Estimate only. Your lender shows your exact cost before you sign.
What you need to apply
Requirements are simple, which is why small loans move so quickly:
- Be at least 18 (19 in a few states) and a U.S. resident
- A valid government-issued photo ID
- Regular income from a job, benefits, self-employment or gig work
- An active checking account for the deposit and repayment
- A working phone number and email address
Have your ID, a recent pay stub or benefits letter, and your bank's routing and account numbers handy before you start. With those ready, you can finish in a few minutes and the lender can verify you faster.
Bad credit? You can still request $100
Many lenders in our network accept applicants with bad credit or thin credit files. For a small, short-term loan, lenders mostly want to see steady income and an active checking account. Many focus on income and may use alternative credit data instead of a traditional hard pull from the big three bureaus. The lender explains how it reviews your application before you accept.
More on this: loans for bad credit and payday loans for bad credit.
What people use a $100 loan for
A $100 loan is meant to bridge a short gap until your next paycheck. Common uses include:
- Keeping a phone or internet line on so you can work or job-hunt
- Gas or a bus pass to get to work this week
- A prescription or co-pay that can't wait
- Groceries or diapers before payday
- Covering a small shortfall so a bill payment doesn't bounce and trigger a returned-payment fee
If your need is closer to $150 or $200, request the full amount on the form so you don't come up short. You can see other amounts on our $200 loan and $300 loan pages.
How fast can $100 arrive?
- Form: about 3 minutes.
- Decision: often within minutes of submitting.
- Funding: often the next business day by direct deposit. Some lenders can fund the same day if you're approved early on a business day.
Banks don't move money on weekends or federal holidays, so a request on Friday evening may fund on Monday. Applying early on a weekday gives you the best shot at quick funding. See same-day loans for more on timing.
Repaying your $100 loan
Repayment is simple. On your due date, the lender collects the $100 plus the fee, usually by an automatic withdrawal from your checking account. Make sure the money is in the account that morning. If your payday moves or you think you'll be short, call your lender before the due date and ask what options your state allows. Lenders are much easier to work with when you reach out early.
Repaying on time keeps the cost to the single fee and makes it easier to borrow again the next time you need help.
How to get your $100 loan through us
- Fill out the form. Enter the amount, your contact details, income and bank information. It takes about 3 minutes.
- Get matched. We send your request to lenders in our network that serve your state.
- Review your offer. If a lender approves you, you see the amount, APR, payment schedule and total to repay before you sign.
- Get your money. Accept, e-sign, and funds are often deposited the next business day.
Zebra Finance is a free loan-matching service, not a lender. Whether you get an offer, and for how much, is up to the lender and your state's rules. You are never obligated to accept.
Learn more on how it works, then request your $100 now.
Frequently asked questions
How can I borrow $100 instantly?
The fastest route is a short online form. Ours takes about 3 minutes, many lenders decide within minutes, and approved funds are often deposited the next business day, sometimes the same day if you apply early on a business day. Have your ID, proof of income and bank details ready so verification goes quickly.
Can I get a $100 loan with bad credit?
Often, yes. Many lenders in our network consider all credit types and focus mostly on your income and checking account for small loans. Some use alternative credit data instead of a traditional hard pull. No lender can promise approval before reviewing your application, but bad credit alone doesn't stop you from requesting $100.
How much does a $100 payday loan cost?
Payday fees are set per $100 within your state's limits, commonly $10 to $30. At a sample fee of $15 per $100, a $100 loan costs $15 and you repay $115 on your due date. Your lender shows the exact fee, terms and total to repay before you sign anything.
What do I need to get a $100 loan?
Most lenders ask that you be at least 18, have a government-issued photo ID, show regular income from a job, benefits or self-employment, and have an active checking account, plus a phone number and email. You also need to live in a state where the lender offers that type of loan.
Can I get a $100 loan on the weekend?
You can fill out our form any time, including weekends, and some lenders review applications right away. Bank deposits generally don't post on weekends or federal holidays, so funds from a weekend request usually arrive the next business day. Applying early on a weekday gives you the fastest funding.