$100 Payday Loan
A $100 payday loan covers a tank of gas, a utility bill that is about to disconnect, or a copay. Whether you can borrow it — and what it costs — is set by your state: 38 of our 38 covered states allow it under one loan.
- One fee, repaid on your next payday
- No credit check to see offers
- Same-day funding before the cutoff
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What a $100 loan costs in the legal states
| Loan amount | Max fee | Total repaid | Term |
|---|---|---|---|
| $200 | $30 | $230 | 31 days |
| $300 | $45 | $345 | 31 days |
Why holding the loan longer doesn't change the fee — but changes the APR
The fee is frozen by statute; the annualized rate is not. Same $100 loan, two typical terms in California:
| Term | Fee | Total repaid | APR |
|---|---|---|---|
| 14 days | $15 | $115 | ≈391% |
| 30 days | $15 | $115 | ≈182% |
Where can I borrow $100?
These states set a cap of at least $100 (or no fixed dollar cap), so a single $100 loan is possible:
- Alabama · $500
- Alaska · $500
- California · $300
- Colorado · $500
- Delaware
- Florida · $500
- Hawaii
- Idaho
- Illinois
- Indiana · $550
- Iowa · $500
- Kansas · $500
- Kentucky · $500
- Louisiana · $350
- Maine
- Michigan · $600
- Minnesota · $350
- Mississippi · $500
- Missouri · $500
- Montana
- Nebraska · $500
- Nevada
- New Hampshire
- New Mexico
- North Dakota · $500
- Ohio
- Oklahoma · $500
- Oregon · $500
- Rhode Island · $500
- South Carolina · $550
- South Dakota · $500
- Tennessee · $500
- Texas
- Utah
- Virginia
- Washington · $700
- Wisconsin
- Wyoming
Who should borrow $100 — and who shouldn't
$100 fits a real, one-time gap: a tank of gas, a utility bill that is about to disconnect, or a copay. It stops making sense when the gap is a monthly shortfall — repeated renewals are how small loans get expensive. If you need more than your state's payday cap, look at installment loans instead; if you need less, borrow the smaller amount and pay less in fees.
Other loan sizes
$100 loan: FAQ
Can I borrow exactly $100?
Yes — lenders fund the amount you're approved for, and $100 sits within the payday range (up to $1,000). In states with a cap below $100 you'd take the cap-size loan instead; 38 of our 38 covered states allow $100 under one loan.
What does a $100 payday loan cost?
In a 15% state like California, a $100 loan costs $15 for two weeks. Your state's exact ceiling is on its page — the fee is capped by law, never negotiated.
Do I need good credit for a $100 loan?
No. Payday approval runs on income verification and an active checking account, not your score. Installment lenders consider bad-credit profiles too, at higher APRs.
How fast can I get $100?
Decisions arrive in minutes; funding lands same day if approved before the lender's cutoff, otherwise the next business day.
Is a $100 cash advance the same as a $100 payday loan?
Yes — "cash advance" is the trade's second name for the same product, and your state's fee cap applies identically. Ads promising a cheaper "online cash advance" in the same state are selling the same loan.
How do I repay a $100 payday loan?
One automatic debit from your checking account on the due date — the same account the money went into. The dollar fee is fixed by your state no matter how long you hold the loan, but the APR grows the longer you wait, so repay on the day.
What if $100 isn't enough?
Payday caps top out where your state stops — for bigger amounts, an installment loan ($1,000–$5,000, fixed monthly payments) is the structured route. For a smaller gap, borrow less: the fee scales down with the amount.
$100 Payday Loan Calculator
The legal ceiling computed from state statute — the most a licensed lender may charge. It is the law, not a quote.
Get a $100 Payday Loan with All City Payday Loan
Every figure on this page is the legal ceiling computed from state law — the most a licensed lender may charge you. All City Payday Loan matches you with licensed lenders and shows the cost before you commit.
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One short form, several licensed lenders, and the legal cost of your state shown before you commit to anything.
Check My Eligibility →Disclosure. All City Payday Loan is not a lender, not a broker, and does not make credit decisions. Rates and terms are set by third-party lenders and depend on state law and the lender's underwriting; short-term loans carry APRs that may range from 35.99% to 359.99%. A payday loan is a short-term tool for a temporary cash gap — it is not a solution for long-term debt problems. Late or missed payments may result in additional fees and collection activity. Check your lender's license with your state regulator before you sign.