Best $100 Payday Loans 2024: Get Quick Dollars Today

In need of extra cash, here are some of the best lenders that we have found to cover all the criteria needed to get a quick $100 Payday Loan. The top Lender is Zippy Loan which has been named one of the best Payday Loans. 

Brand Summary Score
ZippyLoan Best Payday loan 10/10 Low APR Rates 9/10
Viva Loans Fast Approval process 9/10
CreditClock Customer support 24/7 8.5/10
Big Buck Loans Good for Bad Credit  8/10
Low Credit Finance Good for Low Income 8/10

Millions of Americans have less than $400 USD in the bank to cover an emergency or unexpected expenses… are you in the same boat? There’s nothing to worry about because given the current economic landscape, it’s not your fault. 

That’s why we are here to help - to bring you the $100 USD you need to fully cover that unexpected expense or emergency you’re facing right now.

Our recommended brokers can bring you the $100 USD you need right now by just completing simple eligibility requirements - check our offers below to claim yours now.

$100 Payday Loans 2024: I Need 100 Dollars Now!

Are you ready to get the $100 USD you need right now? Then check out our ranking below to apply now:

All you need to do to apply is to click on the name of your preferred broker to go to their website and fill out the application form. If approved, your $100 USD will be disbursed in record time (1-2 hours). 

If you want to learn more about each broker before choosing one, then our reviews will help you to make the best decision.

1. ZippyLoan: Best Overall $100 Payday Loan



High approval rate for all customers

Not available in all states

Fast approval and disbursement of $100 USD


Reasonable fees/APR


Accepts borrowers with bad credit or limited credit history


Accepts borrowers with low income or unemployed


Access to more loans and products


ZippyLoan is our #1 choice because it offers a high approval rate for all types of customers, fast disbursement of the $100 USD, reasonable fees and APR, and access to more financial products if you pay on time.

After testing it and comparing it against the other options in our ranking, we’ve found that it’s the best pick because it’s spectacular in all the areas that matter to you as a borrower. And once you become a regular customer, you’ll get access to better loans that will bring you up to $15,000 USD.

The only thing that we should improve is their coverage because they’re not available in all states.

2. Cheapest $100 Payday Loan



Cheapest $100 payday loan

Most payday loans bring you only 7-28 days to pay back

Thousands of direct lenders at your disposal

Not available in all states

Fast approval and disbursement


High approval rate for all types of customers


Access to better loans


If you want to compare different offers instead of relying on a single lender, and you want to take advantage of the lowest fees and interest, then is the broker you need in your life now. 

With a pool of thousands of direct lenders at your disposal, a high approval rate for all types of customers, fast approval and disbursement, and access to more products once you become a regular user, it’s a good choice to consider.

However, keep in mind that most lenders will only bring you 7-28 days to pay back the $100 payday loan, and that is not available in all states.

3. Viva Loans: Fastest Approval and Disbursement



Fastest way to get a $100 payday loan

No access to other financial products

Low APR and fees

Not available in all states

High approval rate


Accepts borrowers with bad credit


Low-income or unemployed borrowers accepted


If you need $100 USD as soon as possible, then Viva Loans is the best choice. Fast approval and disbursement is their specialty, thanks to their advanced system that reviews and approves applications with unparalleled speed.

If you’re worried about your credit score, credit history and monthly income, you can relax now because Viva Payday Loans accepts customers with bad credit, limited credit history, low-income borrowers and even if you’re unemployed.

And you can forget about predatory fees or APR, because this company keeps the offers fair and reasonable.

The only aspects they have to improve is their coverage and that they don’t make it easy for new customers to access other financial products, but you can change this by becoming a regular client.

4. CreditClock: Available 24/7



Get a $100 loan at any time of the day

Strict minimum monthly income requirement

High approval rate

Not available in all states

Low APR and fees


Smooth application process


Great customer support


Emergencies can happen at any time of the day, and that’s why CreditClock offers 24/7 availability. Even if you need $100 at 3:00 a.m., CreditClock is ready to receive your application, analyze it fast thanks to its efficient system and disburse the money straight into your bank account in 1-2 hours max. 

And even though this kind of service would normally be attached to a higher price tag, you’ll be happy to know that CreditClock keeps the fees and APR low. 

It’s also worth it to talk about its customer support department: it’s fast, efficient and available at any time of the day.

However, keep in mind that this company has a strict monthly income requirement and that it’s not available in all states.

5. Big Buck Loans: Best for Bad Credit



Highest approval rate for bad credit borrowers

High APR and fees

High approval rate for low income borrowers

Not available in all states

Fast approval and disbursement


Low monthly income requirement


Great customer support


Have your applications been rejected because of your low credit score? If you’re fed up with this situation, then Big Buck Loans is here to rescue you by giving you the $100 USD you need right now. Even if your credit score is in the 300 points range, this company can lend you a hand when others won’t.

They pair this high approval rate for bad credit and low income borrowers with a fast approval and disbursement, along with an efficient customer support service, ready to handle all of your questions and issues.

However, keep in mind that this company is likely to charge higher fees and APR, and that the service is not available in all states.

6. Low Credit Finance: Best for Low Income



Highest approval rate for low income

Higher APR and fees

High approval rate for bad credit and limited credit history

Limited access to more products

Fast approval and disbursement


Competent customer support


Borrowers with low income have a higher chance of getting rejected by banks, traditional lenders and even companies in the payday loans category. And this is why Low Credit Finance is here to help you, even if you have low income, bad credit and a limited credit history.

This company started its operations to help clients like you, because you also deserve a chance to get a loan, especially if it’s as low as $100 USD. Be it for an emergency, last minute expense or simply to start improving your credit score, Low Credit Finance is here to help.

Nonetheless, keep in mind that this company tends to charge the highest fees and APR from all the options in this ranking.

How to Apply for a $100 Payday Loan in 5 Steps

Here’s how you can apply for your $100 payday loan right now in only 5 steps:

  • Select your favorite $100 payday loan company
  • Go to their website by clicking on their name
  • Fill out the application form
  • Send your application
  • Wait for the notice of approval and disbursement.

Applying for a loan will only take you 3-5 minutes - even if you’ve never requested an online loan before. And you’ll get the notice of approval and disbursement in 1-2 hours, so you can get the $100 in your bank account as soon as possible.

Are You Eligible for a 100 Dollar Payday Loan? - Check the Requirements

If you want to find out if you’re eligible for this type of loan, then here you have the list of the requirements:

  • You have to be at least 18 years old
  • You need to be a US citizen or permanent resident
  • You must have an active bank account
  • You need to have a verifiable income source
  • You need an active phone number and/or email address.

You can clearly see how easy it is to get approved for a $100 payday loan from our recommended lenders, so don’t miss out on this opportunity and apply now!

What is a 100 USD Loan?

It’s a short-term loan that will grant you $100 USD and that you can pay the day after you get your paycheck. It’s the same concept as a $300 payday loan, a $1,000 payday loan or even a $5,000 payday loan - the only thing that differs is the total amount of the loan.

The Application Process

Obtaining a $100 payday loan might seem hard for those requesting it for the first time, or if you’ve been rejected by a lender in the past, but it’s actually pretty easy. Here’s a breakdown of the application process:

  • You fill out the application with all the requirements (usually only 3-4 fields)
  • You send the application for the lender’s system to review it
  • The lender’s systems and software will automatically analyze your application to verify the accuracy of the information
  • The system will approve your application if the information is accurate and you’ve met the lender’s requirements
  • The lender will proceed to deposit the $100 USD as soon as possible.

The Features of a $100 Payday Loan

It’s also vital to understand the type of loan that you’re requesting - here you have a highlight of the most important features:

  • They have the highest approval speed and disbursement in the industry
  • They have the highest approval rate because they don’t consider your credit score
  • They are a great way to start building your credit history or improve your credit score
  • You can use payday loans for any purpose since they don’t ask intrusive questions
  • Their fees and interest are higher than traditional loans.

The Cost of a $100 Payday Loan

The cost for a $100 payday loan will depend on the contract. For example, some lenders will charge a fixed fee of $5-30 USD per every $100 you borrow. In this case, you’d have to pay back a total of $105 to $130 USD. This is one of the most common schemes because it’s easy to understand and makes sense for both parties.

If you opt for a payday loan that will charge you interest based on the APR, then you can expect them to be anywhere from 600% to 700%. But there’s nothing to be scared about because these are short-term loans, so even a hyper-high APR won’t matter because it will only represent an increase of 10-20% of the total loan amount. 

For example, if you opt for a $100 payday loan with an APR of 700% and you agree to pay it back in 7 days, then you’ll end up paying a total of $113.42 USD.

The Credit Score of a $100 Payday Loan

Perhaps you’re wondering if there’s a correlation between your credit score and the chances of getting approved for a $100 payday loan - and that’s why we’ll explain to you everything you need to know.

For starters, $100 payday lenders don’t use the credit score as a decisive factor - they only perform soft credit checks (if any). Their market is completely different from traditional lenders or banks, and that’s why they focus on income sources, current employment, education, recent credit activity, etc. 

Even if you have a credit score in the poor category, and in the range of 300 points, our lenders can accept your application, or alternatively you can use one of the many credit repair services available, as long as you have a verifiable income source. If that's the case, then you can get approved quickly.

Related posts about Personal Loans with No Credit Check 

Pros and Cons

Let’s make a comparison between the pros and cons of this type of loan so you can decide if it’s the best option for you or not.



You can obtain your $100 loan even with bad credit and low income

The APR and fees can be higher than traditional loans

You can obtain the $100 USD in only 1-2 hours

Some companies are not available in all states

You can obtain $100 USD even if you’re unemployed


You can obtain it even with limited credit history


You can use it to improve your credit score


You can use it to create your credit history


Alternatives to Payday Loans

In case you have found that a $100 payday loan might not be the best choice for you, then here you have some excellent alternatives.

Cash Advance

If you need from $50 to $500 USD, then a cash advance might be exactly what you need. If you have a credit card, then you can solicit this product and your credit card company will convert part of your credit line into cash that you can use as you please.

$200 Payday Loan

If you need more than $100 USD, then a $200 payday loan might be the best choice. The same conditions and benefits apply, only that you get a greater amount. You can also opt for a $300 USD payday loan for example, and they usually don’t differ much in terms of minimum monthly income in order to get approved.

$500 Payday Loan

If you need more than $200-300, then you will be happy to know that you can also obtain a $500 payday loan. The minimum monthly income requirement will be slightly higher, but the same requirements will prevail. It’s fairly easy to get this type of loan, even if you’re in the low income category.

$1,000+ Payday Loan

If your emergency or unexpected expense is higher than anticipated, then you can opt for a $1,000 payday loan. The same requirements will apply, but the minimum monthly income requisite is going to be higher. You can also opt for a $2,000 payday loan or even a $5,000 payday loan, which can be used for more situations other than an emergency such as funding a new business venture.

Installment Loans

The negative of payday loans is that you have to pay them back as soon as possible, which means only a few days or weeks at max. If you don’t like it, then you could opt for an installment loan, which you can obtain even with bad credit. You can pay them over several months, be it 12, 24, 36 or even 60 - and you can request over $1,000 easily.

Secured Personal Loan

In case you don’t want to rely on payday loans, and you have an asset that you can use as collateral, then you can opt for a secured personal loan. You can borrow amounts from $100 to over $5,000+ with a reasonable APR, low fees and a generous payment schedule. However, these loans usually require a good credit score.

Criteria for Selecting the Best Payday Loans for $100 USD 2024

If you want to learn more about the methodology we’ve used to build this ranking, then here you have the factors we’ve taken into consideration.

About the Lender

Before we dive into the approval rate, disbursement speed and cost of the loan, it’s key to only select a legal and reputable online lender. That’s why we check if the company is registered in the states they do business in, their online reputation, some complaints, records, and independent reviews, in order to see if it’s a legit choice.


Anyone requesting $100 USD is likely to be facing an emergency, and that’s why we want to help them by only choosing lenders with the easiest-to-meet eligibility requirements, to massively increase their chances of getting approved.

Therefore, we’ve only included lenders that don’t focus on credit score and instead focus on income source, current employment, assets (even the simplest ones), recent credit activity, etc. In order to make it easy for you to obtain your loan.

Approval Rate

We want you to apply for your $100 payday and obtain it in the majority of cases, and that’s why we’ve chosen the lenders in the segment of the market with the highest approval rate. This goes closely related to the eligibility requirements, so you can expect our lenders to approve your application if you meet their requisites, which are the

 easiest to meet in the industry.

Approval and Disbursement Speed

If you need $100 USD, then chances are you need it as soon as possible, and that’s why we’ve only chosen the lenders with the fastest approval and disbursement in the industry. They usually approve the applications instantly and proceed to credit the $100 USD in your bank account in 1-2 hours, sometimes even faster.


We want to keep the cost of your loan as affordable as possible, even though payday loans are known to be expensive. That’s why our recommended lenders will either charge a flat fee of $5-30 USD per every $100 you borrow, or a reasonable APR that will go according to the number of days you select to pay the loan back. 

Application Process

It’s also critical for the application process to be swift, easy and fast, so you can obtain your $100 USD the stress-free way. That’s why we’ve only chosen lenders with an excellent application form - both on desktop and mobile - that is intuitive and that you’ll only have to fill 3-4 boxes, so you can send your application right on the spot and receive a response immediately.

Customer Support

In case you need assistance, be it prior to requesting the loan or after obtaining it, our recommended lenders can help you via live chat, phone or email. Because we’ve only chosen companies with a competent customer support team, so you can get answers and solutions that work in record time.


If you want to learn more about our recommended $100 payday loans, then here you have the answers to the most frequently asked questions.

Can I borrow $100 instantly?

Yes, but it depends on the lender you choose and if you’re a new or regular customer. If it’s your first time requesting a $100 payday loan, then our fastest lender Viva Loans can disburse it in as little as 1 hour upon approval, and once you become a regular user, they can release the funds instantly.

Are $100 payday loans legit?

Yes, our recommended lenders are registered in the states they do business in, they have a massive number of positive reviews and ratings, they have a clean record, and their contracts are clear and precise. Therefore, all of our recommended $100 payday loans are legit and you can request them with confidence.

How much do you have to pay for a $100 payday loan?

It will vary depending on the lender you select, but you can either go for an APR or a fixed flat fee. In the majority of cases, you will have to pay from $5 to $30 USD per every $100 you borrow, and in this case, you’d have to pay back a total of $105 to $130 USD. We recommend you to compare different options so you can get the best deal.

Can you get a $100 payday loan with bad credit?

Yes, your credit score is not a decisive factor when evaluating your $100 payday loan application. Our recommended lenders will place more importance on other factors such as your current monthly income and accuracy of your information, in order to approve and disburse the loan. Even with the lowest credit score, you can still get approved.

Can I get a $100 payday loan if I don’t have a job?

Yes, our lenders accept borrowers who are currently unemployed because they understand the current situation of the world with massive layoffs. If you need $100 USD, then send your application and you will stand a high chance at getting it approved by our recommended companies.

Can I use a $100 payday loan for any purpose?

Yes, our selected lenders won’t ask intrusive questions about why you need the money. By simply meeting their eligibility requirements, you’ll be approved and they will proceed with the disbursement of the $100 USD, straight into your bank account.