£100 loans.

In a tight corner and need a small £100 loan to get by? Before jumping into making a number of applications in a short space of time. Know where you stand, compare your options and Choose Wisely.


No obligation. 100% secure.
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Representative 770% APR. Representative Example: If you borrow £550 over 18 months at a Representative rate of 770% APR and an annual interest rate of 180% (fixed), you would pay 18 monthly instalments of £113.06. The total charge for credit will be £1,485.08 and the total amount payable will be £2,035.08.
Choose Wisely is a trading style of Choose Wisely Limited and is a free to use price comparison website. Choose Wisely Limited is authorised and regulated by the Financial Conduct Authority as a credit broker not a lender, firm reference number 730574 and is registered with the Information Commissioner’s Office number Z3106681.

A quick, easy way to get a 100 loan today.

  • Borrow from £300 to £10000.

  • Choose between lenders who have accepted your application.

  • Absolutely no fees, ever.

Representative 770% APR.

How to get a 100 loan in 3 simple steps.

Affordability assessment.

1 form - takes 2 minutes to complete and your data is 100% secure.

Compare products.

Choose from lenders that have accepted your application.

Speedy finance.

If approved, the cash can be in your account in as little as 15 minutes.[†]

Table of contents

Written by Andrew Freelander
Read time: ~5 mins
Published: 21st August 2020 Updated: 9th September 2020

When you apply for a loan of any kind the lender will undergo a number of checks before making a decision on whether or not to lend you the money. This is to ensure you can comfortably afford the loan repayments and that lending to you won’t put you under increased financial strain. It’s for this reason that approval for a loan can never be guaranteed. The final decision is always the lenders and will be made in your best interests.

Can I get a 100 pound loan with bad credit?

There are a number of lenders that provide small loans of up to £500, and consider those with a poor credit history. If you are looking to borrow a small amount such as £100, before applying consider other methods of raising the cash such as selling unwanted items or asking friends or family if they can help you out. It will often work out much cheaper, and cost you less in the long run.

Can I get an instant £100 loan with no credit check?

No. When applying for a loan of any size lenders will have to ensure that lending to you is both a safe and responsible thing to do. They will do this by carrying out a number of checks, including a credit check.

What is chance of acceptance for £100 loan?

This depends solely on you, your current circumstances and history of managing credit. By using the Choose Wisely loan search you will be able to compare lenders that have accepted your application in principle without undergoing a hard credit check.

Which UK direct lenders offer loans for £100?

If you are looking to borrow £100 from a direct lender your options will most likely be limited to either a high cost short term loan or a credit line product, such as SafetyNet.

FAQs when applying for £100

Will I get an instant decision?

If you complete a loan search on Choose Wisely, within seconds of submitting your application we will present you with a table of suitable lenders to compare. If you decide to continue an application with a direct lender you will then be subject to a full credit check. Decisioning times will vary from lender to lender, but a high number will provide a decision same day.

Do I have to repay £100 loan over 12 months?

If you are approved for a loan, the lender will outline how much you need to repay and when. This will be dependent on the lender, the loan size and your personal circumstances.

Can I apply for £100 loan by text?

You can’t complete an application by text but you may be contacted by the lender about your application via text message, email or phone.

How do I use Choose Wisely to apply for 100 pound?

Choose Wisely is a free to use price comparison site. If you are looking to apply for a loan of £100, start a Choose Wisely loan search by selecting your loan size and term, then clicking the get accepted button at the top of this page. You will then be asked for all the information we need to provide you with suitable loan options to compare.

Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.

The quickest way to find the best 100 loan for you.

No obligation. 100% secure.

Important Information.

All of the information in this guide is correct at the time of writing.

Rates shown are quotes based on your personal circumstances, are subject to status and are available to those aged 18 and over. Rates available range from a minimum of 3.9%APR to a maximum of 1575%APR Representative and loan repayment periods range from 3 to 60 months.

[*][†] Once accepted, your loan can be transferred to you in as little as 15 minutes. The time that it takes for the loan to show in your bank account will depend on your lender and your bank.

If you need financial advice you can visit stepchange, speak to citizens advice, call the national debtline or speak to moneyhelper.org.uk.

If you've been declined, please refer to your credit report to gain an understanding of why before making further applications.
Your score can be accessed for free via any of the main credit reference agencies such as Credit Karma, Clearscore or Experian.