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Why 100 Day Loans?

A personal loan is a fast, convenient way to cover urgent bills or finance a major purchase. 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: There are several factors that will determine your finance charges, including the loan amount, loan term, your credit profile and your state of residence.

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: 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 and the type of loans. Some states limit the number of outstanding high-interest loans a person may have simultaneously. But the same regulations may not apply to other loan products, such as installment loans priced at lower interest rates.

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

Apply today for your loan via our secure, two-step application form. In fact, at 100 Day Loans, we use the latest 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, you will get your approval status immediately. We have a very good match rate compared to competition thanks to so many great lenders in our network.

3) Getting Your Funds - Our 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 more time in which to pay it back*. That's our guarantee at 100DayLoans. Apply now!

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Customer 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
(855) 564-0474

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