Please note, while some lenders may offer up to 100 days to repay a loan, a 100-day repayment period is atypical. Most consumers can expect a significantly short repayment period. We encourage you to confirm ALL terms of your loan with your lender prior to finalizing the loan.

So you want to know how 100DayLoans works? Well you came to the right place.

Get Matched to $1,000 in Just Three Steps

At 100DayLoans, getting matched to a short-term loan is safe, fast and easy. Learn more about how we help people get the help they need every day.

When you're ready, we're here to help you next.

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Step 1

Apply Online with our Secure Application.

Tell us a little about yourself, and how much you'd like to borrow. We'll collect your information and go to work to find your loan. We'll match your needs with our expansive lender network and connect you to a lender in real-time.

The loan-finding process is completely free and offers you a better chance of getting approved. Best of all, it takes only minutes to fill out and you can get approved in real-time.

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Step 2

Get Matched to Your Lender

Your application can be approved in as little as 90 seconds. You won’t have to wait hours or days. If we find a lender willing to meet your loan needs, you'll be redirected to your lender's site instantly. If we can’t find a loan for you, we’ll do our best to match you with a short-term credit product.

Once redirected to your lender's site, you'll be given additional directions to finalize the loan process.

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Step 3

Sign Your Loan, Get Your Cash

After finalizing your loan agreement, your lender will explain how quickly your funds will arrive. In many cases, you can get same-day funding, while other lenders offer overnight funding that means your financial problems could be solved by the same time the next business day.

The 100DayLoans matching service takes just minutes, and from start to finish, you’re in complete control of your loan offer. You can decide to accept or reject your loan offer without any obligation to continue.

To learn more about the process, read our FAQs.

Ready to apply? Request your loan now.

100DayLoans Responsible Lending Policy

100DayLoans is dedicated to consumer transparency in the financial marketplace and to the consistent, fair, and equal treatment of applicants seeking credit. We believe in promoting responsible lending practices and encourage consumers to practice educated and responsible borrowing. We recommend that you consider all borrowing options before taking out a short-term loan, and if it’s unavoidable, we suggest paying off your loan on time to avoid late payments and increased interest rates.

If you have prolonged financial difficulties, you may need to consider a long-term solution that will help improve your credit and finances in the future.