$100 loan online: quick cash for small bills

Small gaps are the most common kind: a phone bill, a prescription, gas for the week. When you are $100 or $150 short and payday is days away, here is the quickest way to cover it.

What is a $100 loan?

A $100 loan is the smallest kind of short-term loan: a little cash now, repaid with a small fee on your next payday. Storefront payday lenders in many states offer loans from $100, and online lenders offer small payday loans that start a little higher. Through our form, requests begin at $200. That covers a $100 or $150 bill with room for anything else that comes up before payday, and the approval process is just as fast.

Because the amount is small, these loans are among the easiest to get approved. Lenders mainly check that you have regular income and an open checking account. Your credit score plays a small role, if any, and the decision often comes within minutes, even late at night or on a weekend.

How to get $100 fast

1. Request the smallest amount, $200. It is preset in the form on this page and covers a $100 to $150 bill.
2. Fill in the basics. Your contact details, income, pay dates and checking account take about five minutes.
3. Look at the fee before you agree. At $15 per $100, $200 for two weeks costs $30; your offer shows the exact amount.
4. Get the money and pay your bill. Sign and the deposit usually arrives by the next business day.

What a $100 or $150 loan covers

$100 payday loans: what they cost

$100 payday loans usually carry a flat fee per $100 borrowed. At the common $15 per $100, here is what small amounts cost for two weeks:

Some states set a minimum fee or a lower cap. Your offer lists the exact fee and due date.

Example

Covering a $120 phone bill

$200Requested→$120Bill paid+$80Left for the week

At $15 per $100, the fee on $200 is $30 for two weeks. The extra $80 can cover gas or groceries until payday, so you do not need a second loan.

Why online lenders start at $200

Every loan has the same fixed steps behind it: identity checks, bank verification, a written agreement and a payment to collect. Those steps cost the lender about the same whether the loan is $50 or $500, which is why most online lenders set a minimum around $200. For you, the upside is that a $200 request gets the same quick decision, covers a $100 or $150 bill and leaves a cushion for the next surprise before payday, such as a parking ticket or a forgotten subscription renewal.

$150 loan: the in-between amount

A $150 loan sits between a tiny advance and a standard payday loan. People search for 150 loans when $100 is not quite enough, for example a utility bill plus a late fee, or groceries plus gas. Through our form, a $150 loan need is covered by the $200 minimum request; online lenders rarely make loans below that. If you only want $150 in your account, you can repay the extra $50 early with many lenders, although the fee is usually set on the amount you borrowed.

Instant $100 loans

A 100 instant loan is mostly about the decision. Small requests are reviewed by automated systems, often in seconds. The payout speed depends on the lender: Same Day ACH can deliver the money the same afternoon for a morning approval, and some lenders offer instant transfers to a debit card. If neither is available, expect the deposit the following business morning. Fast 100 dollar loans and a quick 100 dollar loan both depend on the same things: apply early on a weekday, use details that match your bank and accept the offer right away. The same day loans page lists the funding windows.

Loans for $50: borrow 50 dollars quickly

Loans for 50 dollars are too small for most online lenders, because the cost of processing a loan is the same at $50 as at $200. If you need to borrow 50 dollars, the fastest options are usually a cash advance app, an earned wage access program through your employer, your bank's overdraft protection or a small advance from family. If the gap is bigger than you think, or you want the cash in one go without app memberships, a $200 request here covers it with room to spare.

Small loans vs. cash advance apps

Cash advance apps are made for very small amounts, often $20 to $100 for new users, and they can be quick. Many charge a monthly membership, an express fee for instant delivery or ask for a tip, and some need your paycheck to be deposited with them. A small payday loan through our form starts at $200, comes with a written fee and due date and does not require a subscription. If an app covers your $50 gap cheaply, use it. If it caps you below what you need, a $200 loan fills the gap.

A small loan vs. overdrafting your account

When you are $100 short, it can be tempting to let a few payments bounce or overdraw. But many banks charge a fee for each overdrawn item, and three or four small charges can cost more than a payday fee. A bounced bill payment can also bring a late fee from the company you owe. A small loan deposited before the bills clear gives you one known cost instead of a string of surprise fees.

Small loans with bad credit

Small loans are the easiest to get with bad credit. At $200, lenders care about your income and bank account, and many skip a hard check with the big three bureaus. Collections, a low FICO score or no credit history at all rarely block a request this size. A small loan repaid on time is also a good way to build a record with a lender for the future. See bad credit loans for how lenders decide.

Small loans for part-time workers, students and gig drivers

You do not need a big paycheck to borrow a small amount. Part-time wages, campus jobs, tips deposited to your account, benefits and gig income from delivery or rideshare platforms all count, as long as they arrive regularly. Because the loan is small, the income bar is low too. Students who are 18 or older with a checking account and steady deposits can apply.

What you need

• Adult borrower (18+) with a U.S. address.
• You receive regular income, even part-time or benefits.
• You have an open checking account.
• You can provide an ID, Social Security number, phone number and email.

How fast small loans arrive

Small loan rules by state

States set the smallest and largest payday amounts and the fees. Some, like Minnesota, have a special category for small loans up to $350 for 30 days. Maine sets a minimum charge on larger supervised loans, and New Hampshire caps small loans at 36% APR. Where payday loans are not offered, lenders provide small installment loans instead. See the state rules table.

Repaying a small loan

The lender takes the total from your checking account on your next payday. Make sure it is there the evening before. You can usually repay early, which closes the loan sooner. If something changes, contact the lender before the due date; many offer a short extension or a payment plan, and some states require lenders to offer one at no extra cost.

Tips for small cash gaps

• Ask the company you owe for a few extra days first; many will agree if you call before the due date.
• If you borrow, request the smallest amount that covers the gap.
• Set the due date to the day your pay actually lands.
• Avoid stacking several small loans; one loan is cheaper and simpler.
• Keep a note of the lender’s phone number in case your payday moves or your employer changes its pay schedule.

What happens after you apply

Your request goes straight to lenders in our partners' network. One that can help shows you an offer, usually within minutes, with the deposit amount, fee and due date. Sign if it works for you, and the money is scheduled for deposit; close it if not, and there is nothing to pay. If the lender needs a quick extra check, such as an ID photo, sending it right away keeps funding on track.

Is a small online loan safe?

It is when the lender shows its name, the fee and the due date in writing and does not ask for money upfront. Be wary of anyone who wants a gift card, a wire transfer or your online banking password to release a small loan. Sending a small-loan request here costs nothing and is protected by encryption.

A small loan as your first loan

If you have never borrowed online, starting small is smart. The application is short, the fee is low in dollars and you repay it in one go. After an on-time repayment, many lenders approve your next request faster and for more. Your details are saved, so the next time takes a minute or two, and returning customers often see better terms as their record grows.

Need a bit more?

If $200 is not enough, see a $300 loan or a $500 loan. For the details of the minimum amount, see the $200 loan page, or apply for payday loans online.