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How 100 Day Loans Works?

If you need a first/second payday loan please fill this online form. We will try to connect you with a lender instantly.


In the 100 day loans how it works page they have an info-graphic which explains the way they work to give you a loan.

Lets help you understand in details how 100 day loans works:

Once you have applied for a loan and submitted your application their unique software will send your application to all the payday lenders who have registered themselves with the company. All of them get to review your application.

Some parts of your application will actually get an automated review by software. If there is some problem in the automated review, your application may get rejected even without reaching a single lender.

They have more then 160 lenders in their network. And if every lender gets a chance to review your application, it means you have maximum chance of getting approved for a loan.

All this will happen very fast, behind the scenes and the first lender who approves you for a loan will get a chance to offer you a loan. Usually this whole process will take about 2 minutes, and during this process you should not refresh your browser.

Withwithin minutes you will know if 100dayloans have actually approved you for a loan or not.

If you are approved, your browser will be redirect to an electronic signature page where you can read the terms of the loan. If you agree to the terms you can sign for your loan electronically.

You need not fax any documents whatsoever. You will need to just sign the electronic document online and the loan is yours.

Once you sign, the cash will be transferred to your bank account directly. You need not go anywhere to collect the cash.

When will you receive the funds?

This depends from lender to lender and application to application. Some may receive the funds in the evening but in most cases the funds will be in your bank account the next business day.

You need to check your bank account the next day. The funds should be in your account by 1 pm. If you have been approved for a loan and the funds did not reach your account by next business day 1 pm, you should inform your lender directly about non-availability of funds.

You will be given the lenders phone number. In such situations its better to call the lender and tell them the problem.

Is the data transfer secure?

Yes, 100 day loans uses the latest software and hardware technology to make sure the data that is being transferred online is highly secured and encrypted. Your data will not be stolen online.

Your bank information and other sensitive data are also highly secured. After certain time all these data gets deleted from the system.

It’s very safe to apply a payday loan with 100 day loans.

Some points to remember:

1.    Don’t apply for more than you need.
2.    Pay your loan back on time.
3.    Do not expect 100 day loans to give you a loan for 100 days. It’s not advisable to keep the loan for 100 days.
4.    If you cannot repay on time, talk to your lender.
5.    At any cost go for a maximum of one rollover.
6.    If your financial situation is very bad and you are in deep debt, talk to a certified financial counselor. Payday loan is not a solution.


Thank you for visiting our website. Hope we helped you get a loan.
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