100 Day Loans – Can You Really Get Cash Fast? Are They A Legitimate Payday Company?
100 Day Loans is probably the most widely known provider of payday loans in the US that people actually trust.
First things first, they are a broker of payday loans, they are not actually a provider. This is similar to most of the other online payday loan companies. So if you are looking for a provider then your best bet is to go down the street to “check and go” or other similar main street lenders.
Before you do that though…. take the time to read our honest no BS review of the 100 day loan company for 2012. You will save yourself time & more importantly cash!
OK….. First their main claims from their website…..
- Quick cash loans (1 hour after processing)
- Instant approval
- Secure website
- Payday loans for everyone (99% of applicants)
- Payday loans if you have bad credit (most peeps nowadays)
- No credit checks
- $1000 available for a loan period of 100 days
We have used one hundred days loans twice now, and i can honestly say that all of the above claims are legit.
100 Day Loans Are Not A Scam
But… they do have a few flaws which i will try and explain, in general they are very good.
100 Day Loans Short Review
The one hundred day loan company was established about five years ago, they have given small cash loans to over 1 million people in this time. (One of the most popular online companies)
Currently you can get up to $1000 over a period of 100 days, you can apply more than once (to get more cash)
The price of their loans are said to be the cheapest in the industry because they use multiple lenders, which means you get the cheapest payday loan.
Costs vary depending on which state you live in and also the time period you borrow for,
The cheapest loan would cost you about $15 for lending $100.
You are eligible to apply for a one hundred day payday loan if you live in one of the following states
Alabama, Alaska, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin and Wyoming.
You are not eligible to apply for a one hundred day payday loan if you live in one of the following states
Arkansas, Arizona, Georgia, Oregon and West Virginia
To contact one hundred day loans you can use their customer support email which is as follows: admin@100DayLoans.com
Email response time is 24-48 hours and their customer support is available from 7 a.m. to 7 p.m. EST (Monday – Sunday).
100 Day Loans – My Experience
I first stumbled upon this payday loan company when i was searching on Google.
Is 100 day loans a Scam?
I was very skeptical at first, its hard to trust anyone and anything these days.
It was the first time i have applied for a payday loan online, the loan for $300 cost me $44 to be exact in 2010. Although my decision to buy wasn’t exactly well thought out, it got me through Christmas 
Despite my initial concerns, i am fairly happy that i picked out 100 day loans from the huge quantity of other payday loan companies.
Ok so i will tell you what happened, i didn’t call them on the phone first i just filled the form in (took about 3 minutes) and then i pressed the magic submit button! I sat there wondering if i had done the right thing, nothing happened….. for about 2 minutes. Then shit…. all of a sudden my gmail account went mental!
Hundreds of payday loan approvals started coming into my inbox!
Now this scared me at first, i thought i had just given my bank details to the mafia or something, but when i opened the emails they were just legit companies offering me a payday loan, how much it would cost and what i needed to do to get it. So i looked through about ten of them and found the one that had the lowest price, gave them a call and i had my money in 3 hours!
I have now paid back the loan and everything is sweet, [update: i have used them again in November 2011], i used my secondary email address this time the sheer quantity of all the loan company emails is a little scary and i would prefer if one hundred day loans told you about that before we eagerly press the submit button. This though is the only downside that i can see, and if you use your secondary email you will be fine.
So what i have basically learned is that one hundred day loans are not actually a payday loan company, they are in fact a payday loan company that sends your details to lots and lots of lenders, which means you get the best rate.
In fact i would recommend that you fill out the form on their site before you take out any payday loan, because this is the easiest way to see how much all the different companies charge,
I actually had a cheaper price through one hundred day loans than the price quoted to me when i went into the payday loan shop down the road from where i live, significantly cheaper!
I do recommend trying out the official one hundred day loan company, but make sure you apply with your secondary email address because of all the bulk mailing offers that you receive.
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