Frequently Asked Questions

How long do I have to pay off a payday advance?
Typically, borrowers have between 8 and 25 days to pay off a loan, but there is no standard time period - it depends on a number of factors, including the lender, the state and local loan laws, the amount borrowed and other factors. In most cases, the repayment period is based on the borrower's pay periods at his or her place of employment.

Most lenders will send an email 1-2 days prior to your due date reminding you when your payment is due. If your bank account doesn't have the money available to pay for the loan in full, you may be able to contact your lender directly to discuss possible loan repayment options. You'll be given your loan due date when you initially take out the loan.

How can I tell if I've been approved for a loan?
Our lenders will always email you with confirmation letter and instructions on next steps, once you have been approved for a loan. Also, our website will direct you to the lender's website where you can usually accept the loan immediately by using an e-signature. NOTE: our lenders reserve the right to make adjustments to your loan approval up until the time you receive the funds in your bank account.

Can I get approved for a loan if I have bad credit?
Yes! Even with bad credit or no credit, you can be approved for a loan with 100DayLoans.com. Lenders use a number of factors to approve your application - including income and personal information - and your credit score, credit report and credit history are not considered during the application process, which means you can be approved regardless of your credit.

How much money can I receive?
Your qualified loan amount is based upon the information you provide in your loan application. Loans may be offered up to $1,000. If this is your first loan you may not be approved for a high amount; however, after successful repayment of your payday loan, lenders tend to increase loan amounts on your future loans. Amounts can also depend on the state laws and regulations, so check with your lender about the state constraints on payday advances where you live.

When will I have access to my loan funds?
After you have been approved and signed a contract most individuals will receive funds within 24 hours unless it is a weekend or a holiday.

What if I don't have the money in my bank account to pay off my loan?
If your loan due date arrives and you don't have the available funds in your bank account, contact your lender immediately. Only by discussing your repayment options with your lender will you be able to keep your loan in good standing. The options available to you depend on your lender, your state and local laws and other factors.

After paying off one loan, how soon can I get another loan?
If you need money immediately you can apply for another loan at 100DayLoans.com the same day. However, it is BEST to wait to repay the original loan amount first. Once your full payment has been received by the lender, it normally takes up to two business days for your payment to clear their bank. Once the payment clears, it is reported and one of our many lenders will normally issue you another loan, sometimes for a higher amount!

I applied for more money - why was my approved amount lower?
At 100DayLoans.com, our built-in search engine always seeks out the highest loan amount with the lowest interest rate possible. However, depending on a variety of factors including; available lenders, income level, state laws and employment information - you may not qualify for more than $500 the first time.

Why do I need to submit my banking and Social Security information?
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. See Our Safe and Secure promise for more information.

Personal Security Protection

At 100DayLoans.com, we work hard to protect YOUR information and privacy. We utilize cutting-edge encryption technology to ensure that your valuable personal data is exchanged and read ONLY by our confidential and trusted lending partners. Personal information like social security and bank information is protected by strict industry protocols during and after data transfer.

100 Day Loans offers simple easy short term loans with no Faxing Required. Apply today and get a bigger payday Loan. You can use our cash advance loans to catch up on bills and avoid costly NSF and late fees.
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