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Intro: Who Is 100Lenders?

100Lenders is a loan aggregator that allows consumers like you to shop and apply for loans through a single application. It saves you time and lets lenders compete for your business. You can borrow anywhere from $100 to $40,000.

Requirements and Restrictions

To get approved for loan from lenders, you will need to at least meet the following requirements:
  • Minimum of $1,000 in Monthly Income - 100Lenders will only lend to those with at least $1,000. Your income can be either from employment or benefits.

  • Bank Account - You will need either a checking or savings account because that is how your loan is given to you.

  • Be a U.S. Citizen and a valid social security number

  • Valid Drivers License or State ID - You will need either of these will be needed to verify your ID.

  • No Military Personnel - 100Lenders prefer not to lend to military personnel (although they do ask that question in their online forms).

  • States Excluded: CT, NH, WA, and VT - If you are from the following states, you cannot apply.

How Does the Loan Process Work?

The application process for 100Lenders is really simple. You just have to fill in an online form (which will just take a few minutes). That form will be submitted to their network of lenders who will lend to profiles like yours. You will then get offers and once you choose the one that suits you, you will e-sign the documents and cash will be deposited into your checking account as soon as the next business day. Below are screen shots of the application.

100lenders application
The application process starts on their home page. You have to fill in the loan amount you want, your monthly income, your credit score and zip code.

100lenders application 100lenders application
On the next page is where you fill in your name, date of birth, reason for loan, address, bank account type, how often you get paid, your employer, primary source of income, if you have military status, credit card debt, and finally your email, phone number and social security number. We mentioned that lender on 100lenders network do not lend to military personnel so you should put "not a service member" under that tab (and you should be truthful about that as well).

100lenders application
On the last page of the online form, you are asked to fill in more information. This includes your bank account number and routing number. After this page, the information will be submitted to lenders and you will get proposals.

Loan Co Amount Excluded States Not Eligible Min Income Credit Score
100 Lenders $100-$40,000 CT, NH, WA, VT No Military Personnel $1,000/m N.A.
Zippy Loans $100-$15,000 NY N.A. N.A. N.A.
Viva Loans $100-$15,000 NY, WV, DC N.A. N.A. N.A.
Signature Loans $100-$35,000 N.A. N.A. N.A. N.A.
Next Day Personal Loans $100-$40,000 CT, NH, WA, VT No Military Personnel N.A. N.A.
Life Loans $100-$40,000 CT, NH, WA, VT No Military Personnel $1,000/m N.A.
Honest Loans $400-$50,000 NY No Military Personnel
No Federal Employees
$8,000/m N.A.
Fast 5k Loans $100-$10,000 NY, VT, WV, AK No Military Personnel $800/m >540
Excel Online Loans $500-$20,000 NY, DC, WV N.A. N.A. N.A.
Bad Credit Loans $100-$10,000 N.A. N.A. N.A. N.A.
24/7 Loan Pros $1,000-$35,000 NY, VT, WV, AK No Military Personnel $800/m >540

Just as there are many of online lenders, there are also many online loan aggregators like 100Lenders. As you can see from the table above, 100Lenders stands out because they allow you to borrow up to $40,000. And they also have short term lenders who will lend as little as $100.

Many of these loan aggregators who can lend large amounts also have some restrictions on residents from certain states. 100Lenders is no exception. Residents from CT, NH, WA and VT cannot apply for a loan through them. Like many others, they also restrict military personnel and only allow U.S. Citizens to apply and not permanent residence. So while 100Lenders is one of the few who would lend up to $40,000, there are some restrictions that will affect you if you are considering them.

If you are a military personnel, there are still loan aggregators like ExcelOnlineLoans and Zippy Loan that allow military personnel. also allows residents from all 50 states to apply.

Pros and Cons


  • Wide range of loan amounts - You can get a wide range of loan amounts from lenders from this network. It ranges from $100 to $40,000.

  • Accepts all credit - Lenders100 accepts applicants for all types of credit (including those with bad credit)

  • Process is Fast - The application process is fast, easy and relatively painless.


  • Not Available in a few states - The lenders in the 100lenders network will not serve customers in CT, NH, WA, and VT.

  • Will not serve those in active military - One of the criteria of applying through 100Lenders that you have to be 18 years old and not be active in the military.

Our Take is one of the many loan aggregators available to consumers looking for a personal or installment loan. There are two attractive features about 100lenders. The first is that their network of lenders will offer you a wide range of loan amounts ranging from $100 to $40,000. Secondly, they accept all types of credit so even if your credit is not the best, you can use them.

You have to be aware that they do not serve consumers from CT, NH, WA and VT. Also, those in active military are not served.

Otherwise, is a site I would consider using if I wanted to shop around for a loan.