Most lenders require loan interest payments every 2 weeks; however many lenders offer extended time to pay off the loan balance - up to 100 days or more!
Do you need extra cash?
Cash as fast as 1 hour!
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Instant approval
Bad credit OK
Start your 7 minute application!

Why 100DayLoans?

A personal loan is a fast, convenient way to cover urgent bills. Here's a few frequently asked questions to help you with your application.

Q: How does a personal loan work and how to get one even with bad credit?
A: All personal loans work the same way with a few differences depending on your state of residence and some other minor factors. But, basically, you apply online by filling out a quick 7 minute application. Just let us know how much money you need and for how long. The system then processes your information and shows you a credit decision in under 5 minutes. If you are happy with the loan terms (loan period, repayment schedule, etc.) and loan amount, the money is then transferred to your bank account the same business day. When the loan payment is due, we will send you an email a few days in advance letting you know the date on which the payment is due (we can also send you a text message with this information), so you can make sure that you have enough money in your bank account to cover the outgoing payment. If you feel like you won't have enough money by that date, simply apply for an extension online or by phone. It's that simple and fast.

Q: How much do you charge?
A: On average, we charge $19 for each $100 borrowed. Notice that your finance charges will depend on the time period for your loan.

Q: What are the basic requirements to apply?
A: You must meet the following requirements to become eligible to receive a loan: Have an active checking account Have been employed for at least one month Must be a US citizen or permanent resident Must be at least 18 years of age

Q: Why do I need to submit my banking and Social Security information?
A: In order for us to find the best loan and wire money directly to your account, we must have your personal information to verify your identity and to deposit funds into the correct bank account. Your information is always kept secure and confidential in our encrypted database.

Q: Can I apply for a loan if I have an outstanding personal loan from another company?
A: It depends on your state regulations. Some states limit the number of outstanding loans a person may have simultaneously.

Q: How do I know that I have been approved?
A: After you submit your application, you will be able to view the loan decision online right away.

Q: Is 100DayLoans a direct lender?
A: 100DayLoans sends out your application to several direct lenders to save your time and effort - instead of filling out a dozen applications for each lender, you only need to submit your information once.

1) Applying Right Now

For 100 Days of Freedom, apply for your loan via our secure, two-step application form. In fact, at 100 Day, we use VeriSign 128 bit encryption technology in the application! We ensure the safe transfer of your personal and financial information, so there's no need to worry.

2) Getting Approved

After you apply, can you believe that you can get your approval status immediately? It's true: 4 out of 5 applicants are approved! And finally...

3) Getting Your FundsOur Safe and Secure Protection Guarantee

Get the funds you need deposited into your bank account in just one hour!

So get your loan, and enjoy 100 Days of Freedom in which to pay it back. That's our guarantee at Apply now!

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100DayLoans Testimonials

100DayLoans was incredibly responsive to my inquiry. The person with whom I spoke was polite, friendly and very helpful. I applied on a Friday and expected I wouldn't have the funds until Monday; she helped me get the money within an hour so I had cash for the weekend.

Cindy R - California
I appreciate that they did not keep calling me asking if I was interested in getting a loan. They allowed me time to make a determination on if I wanted a loan.

Dionne McBride - California

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