$100 Payday Loans in California
A $100 advance is the smallest loan most California storefronts will write. The fee is proportionally the same 15% as on the maximum — small loan, identical percentage math.
What $100 costs at every legal term
| You borrow | Fee (7 days) | Fee (14 days) | Fee (21 days) | Fee (30 days) | Total due (7d) | Total due (14d) | Total due (21d) | Total due (30d) | APR (7d) | APR (14d) | APR (21d) | APR (30d) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $100 | $15 | $15 | $15 | $15 | $115 | $115 | $115 | $115 | 782% | 391% | 261% | 182% |
When a $100 loan makes sense
- A utility bill lands three days before payday and the late fee exceeds $15.
- You need gas or groceries to finish the week and have no credit card.
- The bounced-check fee on an upcoming debit would top the loan fee.
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Other amounts
$100 loan FAQ
How much does a $100 payday loan cost in California?
At the statutory maximum, the fee is $15 — 15% of $100. You repay $115 on your next payday, within 31 days.
What APR is that?
On a 14-day term, $100 with a $15 fee works out to about 391% APR. The fee itself doesn't change with the term.
Can I get $100 with bad credit in California?
Payday lenders don't run traditional credit checks — approval hinges on income and an open checking account. That speed is exactly why the effective APR is so high.
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See what lenders in our network can offer you — checking rates won't affect your credit score. California rules apply statewide: $300 max, 15% fee, no rollovers.
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