$100 to $500 Loans - Apply for a Small Payday Loan Online

At this amount, you'll almost always be offered a payday loan - one repayment due on your next payday with a flat fee. Many lenders focus on income and bank account rather than credit score. Your state sets the maximum fee and the maximum amount you can borrow.

1. Check your state's rules: some states prohibit payday lending entirely. Others cap the amount and the fee. Find your state's rules and fee cap.
2. Verify the lender is licensed: confirm the lender is in your state's license directory before giving personal information. Check your state's license lookup.
3. Have these ready: proof of income, an active bank or credit union account, and a government-issued photo ID. See the full checklist.
4. Apply: most online payday applications take 5–15 minutes. Funding may be same day or next business day depending on the lender and your bank.

• Total repayment - check this first: that's the full amount that leaves your account on the due date. It's your loan amount plus the flat fee.
• Finance charge: the flat fee, charged as a dollar amount per $100 borrowed. Your state sets the maximum the lender can charge. Check your state's fee cap.
• Can you repay on the due date? The full amount - principal plus fee - comes out in one payment. If your next paycheck can't absorb that and still cover your regular expenses, borrowing may create a new gap. See rollover risks.
• APR disclosure: the APR will look high - often several hundred percent - because the fee is being annualized over a few-week term. Federal law requires this disclosure. It doesn't change what you owe.

• Fee stacking: taking two $200 loans costs more in total fees than one $400 loan. If you need $400, borrow it in one loan rather than splitting across lenders.
• Rollover cost: if your state allows rollovers, the lender can charge the same fee again when they extend your due date - one rollover can double what you pay on the same principal. See how rollover works.
• Borrowing limits: some states limit how much you can already owe across all short-term loans, so a second small loan may be denied even if the new amount looks low on its own.
• Upfront fees before funding: if someone says you're approved and then asks you to pay before receiving the loan - especially by gift card, wire, or payment app - it's a scam. See how to spot loan scams.

A payday offer at this amount will show five key line items:

If any of these are missing from the agreement, ask the lender before signing. Your state's rates & fees page has the exact cap for your finance charge - find your state to check the number on your offer.