TopTenREVIEWS - Gold Award - Awarded for excellence in design, usability and feature set

100DayLoans is an Arizona-based payday loan service that provides quick loans to customers and has one of the fastest loan approval times in the industry. The rates are nearly unmatched. The service is available in all 50 states. With this service, you know exactly what you're getting into before you take out a loan. 100DayLoans processes more than 2,000 applications daily. It wins the TopTenREVIEWS Gold Award for payday loan services.

Secure Site
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10/10
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My Payday Loan
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10
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10

Borrowers provide personal information: email address, full name, mailing address, telephone number, date of birth and gender. Although the service requires account numbers and other sensitive personal information, 100DayLoans does not share your personal information with parties other than its network of lenders.

Be aware that while 100DayLoans does not sell your personal information, you will get a number of emails from lenders responding to your request. Nevertheless, the information concerning your accounts and personal data is safe.

Ease of Use
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9.8
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8.8
5

As with a conventional loan, 100DayLoans has forms and digital paperwork to complete before you can receive cash. 100DayLoans reduces the application process to three simple steps. If you fill our everything correctly and quickly, it's possible to complete the application within an hour. Approval can happen within minutes after you submit an application. The site is easy to navigate and provides quick results. Most of the information needed for the applications is easy to find and enter.

The 100DayLoans process is as follows:

  • You submit your application.
  • A search engine researches more than 100 lenders for the highest loan amount at the lowest interest rate for you.
  • Once approved, you are directed to the lender’s website where you can accept the loan and get your cash wired directly to your bank account.

Many of the customers who apply for payday loans have bad credit. 100DayLoans has those customers covered. Items such as credit score, credit report and credit history are not considered during the application process. So, if your credit is less than perfect you still have a good chance of getting the cash you need.

Once your application is submitted, reviewed and approved, you can usually get your loan within one business day. Depending on your bank, it may take an additional day for funds to become available from your account. In the best-case scenario, you fill out your application and it becomes available the next morning when the bank opens. However, your experience will vary depending on which state you live in, your bank's funds-availability policy and the size of the loan.

Cost of Loan
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NetLoanUSA
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My Payday Loan
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Because 100DayLoans operates in all 50 states, laws and regulations vary. Therefore, depending on which state you are in, the cost of credit per $100 borrowed will vary from $5-$25.

The annual percentage rate is currently 651.79%. 100DayLoans works with more than 100 lenders and because it uses so many lenders, we cannot provide you with a specific number of days that the borrower has to pay off the loans. The lenders that 100DayLoans works with will dictate the specific terms of individual loans.

Your first loan with 100DayLoans has a maximum payout amount of $1,000. Returning customers may be eligible to receive more than that amount depending on the state they reside in and the lender they choose.

Repeat borrowers are also judged on their loan amount based upon repayment history. If you have extended or defaulted using one or more of 100DayLoans' lenders, you may be charged more or denied altogether.

100DayLoans offers some of the most competitive rates in the payday loan industry because they use hundreds of lenders around the country.

Customer Service
Compare
10/10
100DayLoans
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Cash Advance
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SonicCash
My Payday Loan
Personal Cash Advance
10
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8.8
10
8.8
5
5

The easiest way to apply for the loans is through the website. However, you have the option of telephoning the representatives over the phone. The website provides a FAQs section as well as phone support.

 

100DayLoans Summary:
10/10

With 100DayLoans, you can apply online and your application goes to more than 100 lenders to establish the best match. Your personal information is maintained in a secure fashion. Even if your credit history is not the best, you can borrow $1,000 on your first request. Approval is swift: You can get funded overnight. You can communicate with 100DayLoans by live online chat or telephone.

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100DayLoans

Pros
100DayLoans is a loan matching service, an efficient way to find the right loan for you.

Cons
You will receive many emails from lenders responding to your application, but then choice is a good thing.

The Verdict
: 10/10

100DayLoans is the best way to find a loan because it brings you lenders that compete for your business.