A $100 Loan for When You Need It Quick

Need to borrow $100 online? Complete an easy application from any device and receive a decision as quickly as possible, subject to eligibility and approval. Fast, convenient access starts here.

In a different state? Pick yours.

What Do I Need to Apply?

To apply, you must:

Live in a state where we do business

Be at least 18 years old with valid ID

Have an active checking account in your name

Where Can I Borrow $100 Instantly?

Borrow $100 in minutes from the comfort of your home. Skip the trip and apply directly online.

Apply from phone, tablet, or computer.

No need to drive to a store – apply from your couch, your car, or anywhere else you have internet access.

Access your account and check your loan status 24/7.

How Do I Borrow $100 with Net Pay Advance?

Step 1: Complete Your Application

Fill out our secure online application in just a few minutes.

Step 2: Receive a Fast Decision

Your information is reviewed and a decision is made quickly. No hard credit check is required during the application process.

Step 3: Receive Your Funds

If approved, funds are deposited directly into your bank account or eligible debit card. Many approved customers receive funding as soon as the same day, depending on eligibility and funding method.

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Our $100 Loan Types

We offer 3 different fast and simple online loans depending on your location.

Payday Loans

Available in California

A $100 payday loan helps you cover urgent expenses until your next paycheck.

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Installment Loan

Available in Texas and Wisconsin

An installment loan lets you borrow funds and repay over time with fixed payments.

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Line of Credit

Available in multiple states

A line of credit provides ongoing access to available funds up to your approved credit limit. Request funds when you need them and only pay interest on what you use.

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Not every product is available in every state. Product availability and approval are subject to eligibility requirements and state regulations.

Why choose Net Pay Advance ?

From surprise bills to everyday emergencies, applying for funds is simple.

No Hard Credit Check

Applying for a $100 loan won’t hurt your credit score. When reviewing your application, you’re looked at as a whole person – not just your credit score – so even if you have bad credit, we encourage you to apply.

Keeping Your Information Secure

Security is important to us! We keep your personal financial information safe.

We’re Here to Assist You at Any Time

Our support team is available to help answer questions throughout the application and repayment process.

See the Difference a $100 Loan Can Make

Our customers’ experiences speak volumes. Read real reviews and testimonials from individuals who have benefited from $100 loans.

This was so awesome experience, all my questions were answered and very simple easy to understand not complainant to understand, was so very pleasant customer service really enjoyed the person I was on the phone with answered every question, would 100% refer all my friends and family to this company for quick and easy small loan/ line of credit 😀 THANK YOU FOR A WONDERFUL EXPERIENCE AND AWSOME CUSTOMER SERVICE SUPPORT, 😀 😊

This is one of the nicest companies I have ever worked with..I have had some issues with not being able to pay on time and they always go out of their way to work with me. The payment plans that I have been offered are always very easy to work with. Thank you very much and I do highly recommend this company.

Excellent company! Quick and easy. No one would approve me and they did. This is a trustworthy company and they are completely legit. I was hesitant at first to apply online, but I am glad I did.

Very easy to deal with fast friendly service will use them again highly recommend and well tell others about net pay advance

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Rates, Terms, and Licenses

For a complete list of rates and terms -- including the Annual Percentage Rate and length of loan -- visit the applicable state rates and terms page. You can also view state licenses for more details on where we're licensed to operate.

Frequently Asked Questions

Is there such thing as a guaranteed $100 loan?

No, there is no such thing as guaranteed payday loan approval. Be wary of lenders promising a payday loan with guaranteed approval. Imagine if a child applied, or someone committing identity theft. Should they be approved? There’s a reason regulations exist. Luckily though, payday loan approvals are realistic. Online payday loans are typically based on eligibility criteria. They’re generally not based on a person’s credit score.

Complete the easy online payday loan application process with no hard credit check.

Can I borrow less than $100, like $80?

Yes. If you qualify, you may be able to borrow less than $100, including $80. Available loan amounts vary by state, loan type, and eligibility. During your online application, you can request the amount you need, subject to available lending limits.

Are there larger loan amounts available besides $100?

Yes, in states where Net Pay Advance is a lender, we can offer larger loan amounts depending on your state’s rates and terms to meet your specific financial needs. Net Pay Advance offers loans over $100 in all the states where we operate as a licensed lender across the U.S.

Can I pay off my $100 loan early without any penalties?

Yes, you can repay your $100 loan early without incurring any prepayment penalties. At Net Pay Advance, we encourage responsible borrowing, and we fully support early repayment when it’s possible. This allows you to save on interest costs and manage your finances more efficiently.

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