100 Dollar Loan – 5 Best $100 Payday Loan Options in 2021

Annually, millions of people suffer financial difficulties, and many of them discover that a $100 dollar loan is all they need to meet unforeseen expenditures. You should not be embarrassed if you find yourself in need of quick cash to cover an expense or two before your next paycheck arrives!

The most important thing is to ensure that you can return your loan on the agreed-upon date. Extending a modest debt is costly and does not serve your best interests. Most people who obtain a $100 dollar payday loan do so with the knowledge that they will be able to repay it in full when the time comes.

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#1 Instant 100 Dollar Loan App in 2021 – Viva Payday Loans


Best Instant 100 Dollar Loan – Quick Pick

  • Viva Payday Loans – Guaranteed 100 Dollar Loan Approval Loan Deposit To Prepaid Debit Card. Visit now.
  • Money Lender Squad – Best For No Guarantors. Visit now.
  • Credit Clock – Best for Fast Approvals. Visit now.
  • Very Merry Loans – Best for 100 Dollar Loan Same Day Direct Deposit. Visit now.
  • Heart Paydays – Best for Low $100 Loan Instant. Visit now.

What Are 100 Dollar Loans?

A $100 dollar loan is a modest financial advance that you borrow fast and return in one month. A 100 dollar payday loan is typically used to cover an unexpected cost. The whole loan procedure is completed online, with no credit checks required.

There are several circumstances in which a one-hundred-dollar loan is required. For example, if you’ve completed your groceries, your gas tank is depleted and you have to refill it, or you have another urgent situation that requires immediate cash. At the same moment, you have zero savings, your credit rating is low, and the buddy you’ve always depended on for additional cash has suddenly vanished.

A $100 loan is primarily a payday loan, which means you borrow the money for a charge and then refund it in two to four weeks, usually with your next salary. Lenders charge a fixed cost for minor loans like this, which often ranges from $15 to $30 on top of the loan amount. Once you receive your payments, the lender will automatically remove cash from your account.

Common Uses 100 Dollar Loans

People borrow money for a variety of reasons. Here are some of the most common applications for $100 payday loans.

To Pay for Minor Emergency Medical Bills

Whenever you have a medical issue that needs immediate attention, you may not be able to borrow money from a bank. Rather, you can apply for $100 loans to pay for the medications. The loan is practically instantaneously approved, and you shouldn’t have to tense about having terrible credit. Besides,  when you have no health insurance, it’s the quickest method to meet your pharmaceutical needs.

To Pay Off Minor Bills

Although some bills may seem to be small, they can be a significant hassle if not paid on time, thus $100 loans are a smart way to prevent fines. Furthermore, when you should be receiving your next salary in a few days, and you need to clear up certain urgent bills, you may receive an immediate $100 loan—usually repaid on your next payday.

Loan Consolidation

Are you having a credit card debt but don’t want to keep accruing interest? Simply acquire a $100 loan to solve the problem if the payday loan has a lower interest rate than your credit card debt.

To Purchase Gifts Over

You may like to purchase a few gifts for your pals during the holidays. Fortunately, if you have insufficient funds in your savings, a $100 dollar loan app will suffice. You may get additional things by taking out a $1000 loan. It is simple to get accepted for this amount provided you can demonstrate that you have enough income to pay back the loan without fail.
To Repair Minor Automobile Problems: At times, all it takes is the purchase of a tiny component to repair a minor car problem. A $100 internet loan can be of more help in this situation. What’s more,  if it’s a severe issue and you’d rather purchase a new automobile, you can qualify for a $100,000 loan.

How To Qualify For $100 Approval Loan Deposited To Prepaid Debit Card

The qualifying requirements for $100 online payday loans are simple to satisfy. Approximately 80% of folks get accepted quickly. Furthermore, our online lenders do not require credit scores and do not do rigorous credit checks. The following basic information is required by the majority of direct lenders:

  • You must be at least 18 years old.
  • You must have American citizenship or be a permanent resident of the United States.
  • Have a consistent monthly income of at least $1,000.
  • You must have a check account.
  • Provide an email address and a phone number for communication.

Payday loans are governed by various legislation in each nation. As a result, the criteria may differ, however you can still visit your country’s website for particular information if necessary. Regardless, your lender will guide you through all of the processes.

Many individuals are qualified since payday lenders are mainly interested in your capacity to repay your loan, which includes your current and prospective income. Although no credit checks are needed and not all applicants are accepted, your income verification must be done.

100 Dollar Loan – 5 Best $100 Loans With Direct Deposit in 2021

Personal loans frequently offer cheaper interest rates compared to credit cards. So what are some of the best personal loans?

1. Viva Payday Loans – Overall Best 100 Dollar Loan Provider

Viva Payday Loans is our best all-around poor credit payday loan website. Borrowers may discover a range of payday loans bad credit ranging from $200 to $5,000 with terms ranging from 2 to 24 months. Through the Viva website, you can finalize a short online application and obtain a response in less than two minutes. You’ll find out if you’ve been accepted or rejected.

Once you are authorized for a loan, you will be transferred directly to the payday loans poor credit direct lenders who will provide you with the money. The lender may ask you for more information such as your address proof, bank account statements, and evidence of your income.

The lender will draft and furnish you with a loan agreement upon receipt and confirmation of these credentials. After reviewing and approving the terms and conditions, you will sign the loan and get the cash deposited in your bank account. You will pay your loan off by automatic monthly deduction.

The rates differ from one lender to another but on average, the site provides values ranging from 5.99 percent to 35.99 percent. Viva Payday Loans offers payday loans for those with low credit, zero credit, on welfare, and even those who are jobless.


  • You can get your payout on the same day of application.
  • Loan amounts vary from $200 to $5,000.
  • The application procedure takes five minutes, and the approval process takes only two minutes.


  • There is no prior information on the array of interest rates offered by Vivaloan lenders.

2. Money Lender Squad – Best For 100 Loan

Money Lender Squad offers low-interest and no-guarantor loans to US citizens. The website provides payday loans and quick approval for people with low credit. Furthermore,  Money Lender Squad can help you locate a personal loan without a credit check for up to 24 months or a rapid cash loan for up to 60 days. The rates of interest can vary from 36percent APR to far over 400percent APR.

The applicants just fill out an online form with their personal information and supply supporting papers to apply for a loan. What’s more, there is no rigorous credit check since the Money Lender Squad is mainly concerned with affordability.

You can only take a few minutes to apply for bad credit payday loans through the Money Lender Squad. You simply need to fill out an internet form with your personal information and select “Submit.” The application form is then sent via a computerized system to the lenders.

The Lenders will then be able to determine whether or not they can accommodate your request.  If your application is approved, you will be routed to the Money Lender Squad website to finish the procedure which only takes a few minutes to do. The payment will be sent into your account by the following business day after you finish the enrollment procedure and sign the contract.


  • Extended loan terms
  • Quick online application system
  • No guarantor required
  • The loan terms are longer
  • There is no need for a guarantor
  • The online applications is fast


  • The greater the interest rate, the worse your credit score.

3. Credit Clock – Best for Guaranteed 100 Dollar Loan

Credit Clock is a short-term lending dealer that provides $200 to $5,000 in payday, personal, and bad credit loans. The platform offers rapid applications and approval procedures. Therefore, if you need money quickly and are on a tight deadline, Credit Clock is a viable loan-finding alternative. Online application for this payday loan takes about five minutes, and approval comes more quickly. The entire procedure takes less than 24 hours, from authorization to payment.

Credit Clock’s approval process is well-known for its simplicity. Even individuals with poor credit are qualified to participate so long as they satisfy the $1,000 monthly income criteria and are qualified. Your qualification is determined by affordability, being at least 18 years old, and showing income and address. The site exclusively provides loans to US legal residents.


  • Applicants with bad credit are accepted.
  • Approval in less than two minutes
  • Payout is within the 24 hours of application and approval


  • A monthly salary of at least $1,000 is required.

4. Very Merry Loans – Best for 100 Dollar Loan No Job

Very Merry Loans is an online lending marketplace that links applicants with major lenders in the United States. The site provides access to payday loans, bad credit fast acceptance loans, and same-day loans which only need a few minutes to apply and approximately 60 minutes to receive. In certain cases, loans are paid off within 24 hours. The lending model at Very Merry Loans is straightforward. The broker offers a group of the most respected lenders in the United States and who are most likely to honor their loan applications.

The Very Merry Loans vary from $200 to $5,000, and the applicants can choose a loan term that best suits their financial status. Normally customers repay the loans of up to $2,000 within 7 to 31 days, while extended loan periods of two to twenty-four months are accessible for larger sums. Interest rates differ with lenders t, but typical offers range from 5.99 percent to 35.99 percent.

To qualify, candidates must be 18 years of age, US citizen, make a minimum of $1,000 per month (via regular employment or an additional income source), have evidence of address, and a verified form of identity.


  • Unemployed and low-credit applicants are encouraged to apply.
  • There are options for extended payback terms.
  • Loans ranging from $200 to $5,000 are provided.


  • 30-day loans have a high-interest rate.

5. Heart Paydays – Best for $100 Approval Loan with Direct Deposit

Heart Paydays is a lending platform that is very prevalent in US hubs. By delivering full-service online loans, the portal eliminates the inconvenient nature of retail lending. Heart Payday loan clients may achieve a full online application procedure at any place in just five minutes.

Heart Paydays provides loans to individuals who have been rejected by other lending websites. They complete the loan disbursement of poor credit loans online in 60 minutes or with 24 hours of approval.

Fortunately, you may acquire a loan from Heart Paydays even if you have terrible credit, are unemployed, receive government assistance, or only need a little cash to help you till your next paycheck.

Even though payday loans are the platform’s primary emphasis—with sums ranging from $200 to $2,000 generally paid off within 60 days—clients can get loans up to $5,000 with a repayment period of 24 months.

Heart Paydays is best known for low APRs, especially on short-term loans. Most lenders offering loans through the portal keep their rates competitive, with max APRs going up to 35.99%.

Heart Paydays offers cheap interest rates, particularly on short-term loans. The majority of lenders providing loans through the site maintain reasonable rates, with maximum APRs reaching 35.99 percent.


  • Payout is done within one hour of approval or within 24 hours
  • Clients do not have to submit documents or make calls


  • Fees on certain loan proposals might be expensive

Features Of $100 Dollar Payday Loan

1. Access to Quick Cash

In contrast to long-term loans, which need a complex application and long approval procedures before the money is given, short-term loans are frequently processed within 24 hours. As a result, these loans are an ideal alternative for time-sensitive situations such as a leaking roof or a tooth extraction.

The 100 Dollar loan provides you with the funds to address the issue quickly and repay it later, perhaps in your next salary payday.

2. No Collateral

100 Dollar loans do not require any security to be approved. Users don’t need to own a property with equity, have a huge bank account, or even a credit rating in the good level. As a result, these short-term loans are a suitable option for a young person just looking to start out, or for someone who has more to live on but may not have much to save.

3. Improved Credit Score

Customers can utilize these short-term loans to assist in enhancing their credit rating because they are reported to the three major credit reporting agencies as well. Additionally, clients can obtain a modest personal loan and set aside the funds to make monthly installments.

You will be awarded points to the credit score if you submit your loan repayments on time and satisfactorily. Furthermore, you can repeat this several times to establish a track record of timely payment records.

4. Quick Application Process

100 Dollar short-term loans do not have a lengthy application procedure. Several lenders will need identification documentation like a driving license, a valid passport, a citizenship certificate, and many more. Afterward, you must demonstrate that you have enough revenue to repay the loan. If you are self-employed, this may be a couple of your most recent pay stubs or your prior year’s taxes.

5. Wide Range of Uses

You can utilize the cash from a short-term personal loan for whichever purpose you like. You might want to limit your spending to necessities, such as a new heating system for your household or a college tuition cost for your child. Instead, you may use the money to pay for a much-needed family trip, buying furnishings, wedding costs, and holiday budgets.

6. Money Can Be Deposited Into Your Account Directly

100 Dollar loan direct deposit short-term loans have many alternatives to sending clients loans.  You can either get the funds in cash or consider a direct transfer into your bank or savings account.

When you choose to utilize your bank account, you may wait for a day or two to withdraw your money. However, you will have to write a check or use your debit card to cover the expenditure for which you are presently requesting assistance.

Advantages of Instant 100 Dollar Loans

Payday Loans Only Have A Few Requirements

Applying for a payday loan online is simple since you just need to meet a few basic conditions. The essential requirement is a consistent source of income. You are already partially assured to obtain a willing lender if your account receives consistent cash flow. Payday loans are available in a variety of terms and circumstances.

It’s A Fast Process

One of the primary benefits of online payday loans is that they do not require a lot of time and effort to process. A reputable online payday loan company will handle your application as fast as possible. The time it takes to complete a payday loan online is determined by the company you pick.

You Can Choose Repayment Terms

When you apply for a payday loan online, the lender will discuss your loan repayment alternatives with you. This sort of loan is solely meant for short-term funding of two weeks to a month. Some lenders, on the other hand, offer three-month payments.

You Don’t Need Personal Property Insurance

Payday loans online, unlike typical mortgages or vehicle loans, do not involve private property insurance. Your consistent payment is adequate proof to the lender that you will be able to repay the loan. Nevertheless, it also implies that creditors can retain your property if you fail to make regular payments.

You Can Work To Increase Your Loan Amount

Many lenders limit the amount of money that new customers can borrow. You are only entitled to a sum up to the amount of your income and the creditor’s ability to pay. When you repay your original payday loan in full, your lender may continue to raise the amount you may borrow.

Easy To Manage

After your application is approved, your lender will set you up with an online account. You can see your outstanding balance as well as the date of your subsequent refund in this entry. You may also pay the loan online using your account.

Disadvantages of 100 Dollar Loan Direct Deposit

  • They are pretty costly—high-interest credit cards may have APRs ranging from 28 to 36 percent, while the typical payday loan APR is 398 percent.
  • Several clients are not able to pay back the loan within the customary two-week payback period. When it is the payment time, they may borrow or pay more fees, further burying them in debt.
  • Payday loans do not need significant documentation. You may obtain one simply by stepping into a business, completing some paperwork, and submitting a check. And, unlike other loans, after you sign the paperwork and accept the money, you won’t be able to alter your mind because the loans often do not have an option of rescission.
  • Specific payday lenders may seek access to your bank account. They claim it would spare you the time and effort of drafting the typical post-dated check.
  • If your loan disbursement is delayed and the funds aren’t in your account, the payday lender can attempt several withdrawals, typically leading to numerous overdraft fees of $35 or even more.
  • Payday lenders are notorious for being ruthless debt collectors. If you cannot return the loan, be prepared for a bombardment of debt collecting methods, including late-night phone calls.

How To Get Instant 100 Dollar Loan No Credit Check

Even though loan websites operate differently, they are all linked in the application process. Most of their websites feature an easy-to-use structure that allows you to request a loan with no difficulty.

Let’s have a look at the application process of Viva Payday Loans for $100 loan instant.

Step 1: Visit Viva Payday Loans

Go to Vivapaydayloans.com and hit the “Apply Now” tab for a basic layout to begin the application.

Step 2: Complete The Application Form

On the page, you will find an application form that will require you to provide your official name, your private, income, and banking details.

Step 3: Get Your Decision

Do not leave the site until you’ve received feedback on your application which should take two minutes. Furthermore, they will send you a notification if your request has been refused.

Step 4: Receive Your Loan

Suppose you are lucky your request is successful; you will get an agreement form through email to examine and sign. It’s recommended to comprehend the terms and conditions available. The procedure of depositing money into your account will begin straightaway after you submit a completed agreement form.

I Need a $100 Dollar Loan Now. What if I’m Not Approved?

If your request is denied, you have the option of looking into alternative loan choices, such as the Very Merry, Heart Payday, Money Lender or Credit Clock.

You don’t have to be concerned about your credit record being harmed because payday loan sites never do a thorough credit check and have unrestricted access.


If you are looking for 100 dollar loan direct deposit, check out Viva Payday Loans—a secure payday loan portal that connects borrowers with reputable lending platforms. Applying for a loan at Viva Payday Loans is straightforward—just head over to their official website and follow the prompts.

Request Your 100 Dollar Loan Direct Deposit at Viva Payday Loans


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About Denzil Otieno PRO INVESTOR

A procurement graduate. Young business owner. A smart business investor.