£100 Loan

£100 to £5,000 paid out same day!*

  • Loans Paid Same Day
  • Bad Credit Accepted
  • Instant Decisions
  • Borrow up to £5,000

Select how much you'd like to borrow and over how many months below.

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). 

Sometimes, when you’re low on cash, you don’t need a lot of money to deal with a sudden emergency or bill.

A small injection of extra funds can be all it takes to turn everything around. Unfortunately, most conventional loan providers simply aren’t willing to offer lending opportunities to people in search of £100 loans.

Even if you could find a loan provider willing to offer a small amount of cash, most require today’s borrowers to jump through endless hoops just for a chance of getting the money they need. Fortunately, there could be an alternative solution.

Here at WageDayAdvance, we understand that sometimes a little bit of extra cash is all it takes to make a huge difference to someone’s life. Whether you need to get a new tire in a hurry so you can get to work on time, or you’re paying an urgent bill, we’ll help you to find the lenders capable of offering the exact amount of cash you need.

How much would you like to borrow?

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). 

How Do You Borrow Small Amounts of Cash?

If you’ve ever tried to apply for a traditional loan before, you’ll know that most banks and lenders will have a minimum on the amount you can borrow. This can make it extremely difficult to get just the cash you need and nothing else. You don’t want to be stuck paying back a £1,000 loan, when all you needed was the initial £100 to begin with.

On top of that, traditional loans don’t look more favourably on people who want to borrow small amounts of money for a short period of time. You’ll still need to meet with high standards for things like required credit scores and financial history. This means it can be difficult to get the cash you need if you’ve had problems with lending before.

To make matters worse, usually, when lenders need a small amount of money, like £100, they need access to that cash immediately. But many lending providers require a number of days to sort through your application, put you in contact with an approval team, and place the cash in your account. All of this makes it almost impossible to deal with an emergency fast.

Payday loans, or short-term loans, are usually the best alternative to the traditional personal loan lending routes, for people who need small amounts of cash in a short period of time.

Are Small Loans Really Safe?

Small, short-term loans, or payday loans are often regarded with scrutiny in many parts of the world, but they can actually be a fantastic way to access the money you need quickly in a range of circumstances. Thanks to new legislation and regulatory guidelines, short-term lenders need to follow strict rules on their lending practices, so you’re just as safe borrowing money this way as you would be lending cash from any other loan provider.

To ensure you have the best peace of mind when borrowing your small loans, WageDayAdvance goes a step further, ensuring that every partner we work with is fully FCA-approved and reputable. We seek out only the most trustworthy lenders, so you can rest assured your provider will have your best interests and needs in mind.

When you apply for your loan and get an offer from an approved lender, you’ll see all the information you need to know about your loan upfront. The lenders we work with are completely transparent. So there won’t be any nasty surprises when it comes to paying back what you owe or dealing with fees. We’ll even help you to find the terms that make the most sense for you.

Is It Easy to Borrow £100?

Borrowing £100 from a traditional lender might not be simple, but WageDayAdvance makes any kind of lending easier, with our proven algorithm and dedication to excellent customer service. When you fill out our application form, we collect only the information we need to connect you with the short-term loan provider best suited to your needs.

We’ll find out exactly how much you want to borrow, and make sure we connect you with lenders who offer that amount. This means you can avoid wasting time on applying for loans from companies that can’t serve your needs or won’t approve your application. Even better, you don’t have to worry about leaving black marks on your credit report by applying for too many loans at once or being rejected by the loan providers you reach out to.

We’ll sort through our network of reputable loan providers to find the lender most likely to deliver the exact amount of cash you need. We only perform a soft credit check, so there’s no lasting imprint on your credit report. Once you’ve got a list of the lenders most likely to accept your loan request, you can decide who you want to access your money from. It’s that simple.

You can even apply for a small loan with a bad credit rating. Our versatile lending partners are willing to offer money to people from all backgrounds, in various different situations. If you don’t have the best credit score, we can still help you to find the cash you need.

Do Small Loans Need to Be Paid Back Immediately?

Payday loans are the easiest way to borrow a small amount of money and pay it back fast. Most payday providers are happy to be flexible with things like low loan amounts because they know they’re taking on less risk with short-term lending solutions. However, just because you get a payday loan doesn’t mean you have to pay it back on your next payday.

With our flexible partners, you’ll be able to access a range of different options for your lending needs. This means you can choose from lenders who can give you several months to pay back your loan if you need extra time to recoup your finances.

Even if you’re not paying back what you owe on your next payday, you still get to access all the benefits of a short-erm loan, like access to your money in as little as one business day, and a simple online application with no complicated questions.

£100 Loan FAQ

Q: Is there a minimum amount of money you can borrow?

Most lenders do have a minimum on the amount of money they’re willing to loan out. Payday loan providers can often offer much smaller amounts of cash than traditional personal loan providers, making them a more flexible choice for some borrowers.

Q: Are credit checks necessary for a £100 loan?

The regulations of the Financial Conduct Authority demand that all loan providers conduct a credit check before offering a customer a loan. It doesn’t matter if you’re borrowing £100 or £1,000, you’ll still need a credit check.

Q: Will I be rejected if I have bad credit?

Credit will always play an important role in your ability to get credit, but with WageDayAdvance, we can reduce the risk of bad credit ruining your opportunities. We can help to connect you with loan providers who specialise in bad credit, so you’re more likely to be approved.

Q: Can I get the money the same day?

The speed with which you get your loan will depend on a number of factors. However, many of our lending partners can offer same-day delivery, or get your loan to you in the next 24 hours. This makes it ideal to work with us if you’re in an emergency.

Q: Do I have to explain what I need the money for?

Unlike other kinds of lending products, payday loans aren’t specifically earmarked for a certain purpose. It’s up to you to decide what you’re going to spend the money on. Although these loans are recommended for emergencies, the purpose of your loan usually won’t be investigated.

Q: Will a payday loan harm my credit?

Not at all. We’ll help to protect your credit by connecting you with lenders more likely to approve your loan, so you can avoid unnecessary black marks on your financial history. Paying your loan back on time according to the terms of your agreement can even start to improve your credit score.

Why Use WDA?
How much do you offer?
£100 - £5,000
Quick application.
Over how long?
1 - 36 months
Flexible repayments.
Bad credit accepted?
Yes
We cater for all.
How do I get a loan?
Apply Online
Secure application.
Representative APR
49.9% (variable)
No obligation quote.

Can You Really Borrow Just £100?

Loan options throughout the UK haven’t always been the most flexible for modern lenders. Here at WageDayAdvance, we’re working to change that. Our service is designed to help all kinds of borrowers get the loans they need, whether they’re looking to borrow as little as £100, or they need a loan ranging up to £5,000.

We make it quick and simple to get the money you need from a reputable lender, so you can spend less time worrying about where you’re going to find credit, and more time getting your world spinning smoothly again. With our simple and straightforward process, there’s no need to jump through hoops just to borrow a small amount of money.

With solutions to suit any need, why not find out whether WageDayAdvance could be the small, short-term loan solution you’ve been searching for?