Home › $100 Payday Loan
A small loan for a small gap. When you just need to bridge a day or two until your next pay, $100 keeps the cost of borrowing as low as possible.
A $100 loan is meant for short, specific gaps — not ongoing expenses. It's our lowest-cost loan amount because the fee scales directly with what you borrow.
Cover a tank of gas so you don't miss a shift before payday.
Top up groceries for a few days without waiting for pay.
Avoid a late fee or service interruption on a small bill.
Ontario and Saskatchewan cap payday loan fees at $14 per $100 borrowed. Here's the exact breakdown for a $100 loan over our minimum 14-day term — the same representative-example format used across our site.
| Amount borrowed | $100 |
|---|---|
| Cost of borrowing (14 days) | $14 |
| Total repayment | $114 |
| APR | 364% (includes interest and all applicable fees) |
| Term | 14 to 62 days — your exact due date is set before you sign |
Longer terms within the 14–62 day window will have a different total cost. Your exact repayment amount and due date are disclosed in your loan agreement before you sign — never after.
Our $400-per-pay minimum income requirement already covers a $100 loan comfortably, since your maximum loan amount is capped at 50% of your net pay. Most applicants who meet our basic requirements qualify for $100.
We're licensed to lend in these two provinces only.
Employment, government benefits, pension, or self-employed income with bank history.
For your e-transfer and to authorize repayment via EFT.
A past, discharged bankruptcy does not disqualify you.
The same simple process for every loan amount we offer.
Takes under 5 minutes, no faxing or paperwork.
We check your income and banking, not your credit score alone.
An approval email confirms your amount and terms.
Your money is e-transferred, often within ~20 minutes.
$100 is our minimum loan amount. If your need is smaller than that, a $100 loan is the lowest amount we can offer.
That depends on your situation. A $100 loan costs $14 over 14 days. We'd rather you borrow only what you need and can comfortably repay on your next payday — if $100 covers the gap, there's no reason to borrow more.
Once approved, funds are sent by Interac e-Transfer, typically within about 20 minutes.
It's free to apply and takes under 5 minutes. No obligation.
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