Online payday loans · $100 – $1,000
$100 Payday Loan: A Small Amount for a Small Gap
A $100 payday loan is a tiny, short-term cash advance meant to cover a small gap, like a utility bill, fuel, or a minor overdraft. You borrow $100, then repay it plus a fee on your next payday, usually within 14 to 30 days. It suits people who need the minimum, not a big loan.
Free to apply · we are not a lender · does not affect your credit score.
| Loan amount | $100 (the minimum many lenders offer) |
|---|---|
| Repayment term | 14–30 days |
| Credit check | No hard pull |
| Funding speed | Often same or next business day |
| Cost to apply | $0 |
How it works
500paydayloans.net is a free referral service, not a lender. You fill in one short form telling us you want about $100, and we try to connect you with participating lenders that handle small amounts.
If a lender makes you an offer, read the terms before you sign. The cost, due date, and repayment method are set by that lender, not by us. Once you accept, the cash is usually deposited to your checking account by the same or next business day. On the due date, the lender debits the $100 plus its fee.
Who qualifies
Lenders verify steady income and an active checking account rather than running a hard credit check. Approval is never guaranteed, and each lender sets its own rules. Typical basics include:
- 18 or older (19 in a few states)
- A regular source of income they can verify
- An active checking account for deposit and repayment
- A valid phone number and email
- US citizen or permanent resident
What it costs (and the honest catch)
Payday loans are expensive and meant for the short term only. Fees are usually charged per $100 borrowed, often around $10 to $30. On a $100 loan that is roughly $10 to $30 in fees for a two-week term, which works out to an APR commonly in the 200% to 1300%+ range. The upside of borrowing just $100 is that the dollar fee stays small and easy to repay compared with a $300 or $500 loan.
The catch is the cycle. If you cannot repay the $100 plus the fee on your due date, rollovers and new fees can stack up fast, so a small loan turns into a much larger problem. Some states cap or ban payday loans. In California, for example, the loan is capped at $300 and the fee is limited, so the net cash on a $300 loan is about $255. Always borrow the smallest amount you truly need and repay on time.
Smarter alternatives to consider first
Because $100 loans are costly, it is worth checking cheaper options before you apply. Even a small amount can be hard to repay if money is tight.
- Credit-union Payday Alternative Loans (PALs), which are capped at much lower rates than payday loans
- Asking the biller or creditor for a few extra days or a payment plan, which is often free
- Paycheck advance apps that front part of wages you have already earned, sometimes for a small tip or no fee
- Borrowing $100 from family or a friend, with a clear repayment date
Pros
- Small amount means a small dollar fee that is easier to repay than a larger loan
- No hard credit pull, so applying will not lower your credit score
- Free to apply with no obligation to accept any offer
- Funding is often same or next business day for covering a quick gap
Cons
- Very high APR, commonly 200% to 1300%+, even on just $100
- Short 14–30 day term can be hard to meet if money stays tight
- Risk of a debt cycle if you roll the loan over and pile on new fees
- Not available, or capped, in some states
Questions
Frequently asked
Can I get a $100 payday loan with no credit check?
Lenders in our network do not run a hard credit check, so applying will not hurt your score. They verify your income and checking account instead. Approval is never guaranteed and depends on each lender's review.
Is $100 the smallest payday loan I can get?
$100 is the minimum many lenders offer, though some start a little higher. Borrowing the smallest amount you need keeps the fee low and makes repayment easier. We try to match you with lenders that handle small amounts.
How much does a $100 payday loan cost?
Fees are usually $10 to $30 per $100 for a two-week term, which is a high APR, often in the 200% to 1300%+ range. The exact fee is set by the lender, so read the offer before you sign. The dollar cost is smaller than on a larger loan.
Can I get a payday loan for $100 with bad credit?
Possibly. Lenders focus on your income and active checking account rather than your credit score, so bad credit does not automatically rule you out. There is still no guarantee of approval, and each lender decides on its own.
How fast can I get the $100?
If a lender approves you and you accept the terms, funds are often deposited the same or next business day. Timing depends on the lender and your bank. We cannot promise a deposit time because we are a referral service, not a lender.
Will I have to repay the $100 all at once?
Usually yes. Payday loans are typically due in a single payment on your next payday, within 14 to 30 days, covering the $100 plus the fee. If you think you cannot repay in full, consider a cheaper alternative first.
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Check the rules and your rights before you borrow: CFPB — payday loans · FTC consumer guidance.
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