Bill due
$135
Verify the current balance
$100 Loan Options
Need $100? Check the smallest workable bridge
For a $100 shortage, a small flat charge can matter as much as the advertised loan amount. First establish what remains unpaid, whether the deadline can move and how a new repayment would fit the next income period.
Bottom Dollar Payday is a product of FSST Financial Services, LLC, not a lender. An independent provider processes the application; terms and availability depend on the provider.
- Choose your amount
Start with your cash need and repayment.
- Complete the application
Continue to the provider’s online form.
- Review any offer
Check the cost and dates before accepting.
Cash safely available
$35
Do not include money already committed
Confirmed help
$0
Pending requests are not cash
See the repayment at a glance
Example amount$300
+Example charge$45
=Total to repay$345
Illustrative example: $300 + $45 = $345. This is not an offer or a product rate.
Start with your situation
What does the $100 represent?
Use the amount still needed after cash already available—not the total bill by default.
Exactly $100 remains unpaid
Record the payment deadline and whether the biller will accept a short extension or split payment. Compare a borrowing option only with an arrangement the biller actually confirms.
The whole bill is $100, but I have some of it
Subtract cash you can safely use after essentials. Do not borrow the full bill merely because $100 appears in a product advertisement.
An app or lender offers more than $100
A higher advertised maximum is not a reason to request more. Ask whether the product supports the actual amount and what you would receive after any charges.
Find the gap before selecting the product
Illustration: a $135 essential bill is due, $35 is available without using money reserved for other essentials, and no assistance is confirmed. The uncovered amount is $100. The worksheet keeps unconfirmed help out of the plan.
| Starting point | Amount | Treatment |
|---|---|---|
| Bill due | $135 | Verify the current balance |
| Cash safely available | $35 | Do not include money already committed |
| Confirmed help | $0 | Pending requests are not cash |
| Remaining gap | $100 | Amount to solve |
| Illustrative net advance | $100 | Covers the gap, not its repayment |
On a narrow screen, scroll inside the table to see every column.
A covered bill and an affordable loan are separate outcomes. Run the repayment test as well; the worksheet does not decide whether a lender will offer $100.
Compare the dollar cost of access
For a small amount, compare every required dollar, not just whether a product says it charges interest. An origination or delivery charge can change what is received or what must be repaid. Installment products can include fees that should appear in their disclosures. [R06]
| Hypothetical way to cover the same $100 gap | Immediate cash for the bill | Additional cost stated in this example | Unresolved condition |
|---|---|---|---|
| Confirmed bill extension | No new loan | $0 | Biller must actually agree |
| Advance with separately paid access charge | $100 | $12 | Need another $12 to pay that charge |
| Loan with a $12 charge withheld from $100 | $88 | $12 withheld | Bill still lacks $12 |
On a narrow screen, scroll inside the table to see every column.
These are arithmetic scenarios, not available offers or typical charges. A $12 charge is 12% of $100 for this transaction; it is not an APR. Annualized disclosures depend on the product and timing.
Use the worksheet
Calculate the uncovered part of your bill
Enter the expense, your own contribution, confirmed help and the cash the offer would actually deliver. Do not treat promised help as received money.
Use numbers without $ signs or thousands separators; use a dot for decimals. The calculation stays in this page and does not retrieve bank or credit data.
Method, assumptions and limits
Initial gap = max(0, expense − usable cash − confirmed assistance). Remaining gap = max(0, expense − cash − assistance − net proceeds). Resources above the expense = max(0, cash + assistance + net proceeds − expense). This does not calculate loan cost or recommend taking the extra amount. Enter net proceeds after known deductions, not principal.
Input limits: money $0–$35,000 (two decimal places); principal must be positive; fee must be below principal. Monthly term: 1–600 whole months. Annual nominal rate: 0–1,000%, up to four decimals. App uses: 0–1,000 whole uses. These are calculator limits, not available loan terms.
Separate a wage advance, app access and a loan
An advance against earnings, an app feature and a loan agreement can have different access rules, costs and repayment arrangements. Ask who provides the money, what obligation is created, whether an employer or account history is required and when the money is taken back.
Do not treat a product name as proof of acceptance. A state or provider may not offer the amount you request. Payday terms and availability vary, so $100 is the need addressed by this page, not a nationwide product commitment. [R07]
Test the next income period
After paying the bill, the advance or loan may reduce funds available later. Put the entire repayment on the actual due date, alongside rent, food, transport and other scheduled payments. If the only way to repay is to take another advance, the immediate bridge has not solved the underlying shortage.
Keep delivery charges counted once: if already withheld, use the lower net amount for the bill; if paid from your own cash, reduce the cash available. A recurring membership cost also belongs in the period it will actually be charged, not hidden outside the comparison.
Avoid turning a small shortage into a larger commitment
A minimum loan amount above $100 can create more debt than this bill requires. Compare the full payment schedule instead of focusing on the extra cash. Ask whether a direct bill arrangement, a documented employer option or another smaller product addresses the need without that larger obligation.
Do not pay for a promised guaranteed approval. FTC guidance warns about advance-fee loan scams; verify the provider and the actual purpose of any payment before sharing money or sensitive data. [R08]
Leave with an amount, date and repayment plan
A useful plan has three numbers: the uncovered bill, money actually received and the full amount due later. Add the dates of the bill and each repayment. If any of these is unknown, obtain the missing disclosure before committing.
Use the small-dollar hub for product selection, the app page for access requirements or the $200 page only when the actual gap changes to that amount. This page helps compare a $100 need; it does not make a credit offer or submit an application.
Questions before your next step
Can I borrow exactly $100?
Availability depends on the provider, product and state. The amount shown here is a decision scenario, not a confirmed available loan.
Is a $12 fee on $100 the same as 12% APR?
No. It is 12% of that principal for the stated transaction. APR is an annualized measure and cannot be inferred without the applicable timing and charge treatment.
Should I enter assistance I have applied for?
Count help only when its amount and usable timing are confirmed. Keep pending assistance separate so the worksheet does not understate the shortage.
Related decisions
Ready for your next step?
Continue to the online application. Review the terms of any offer before you accept.
Sources and scope
Sources support general product facts, not a Bottom Dollar lender offer or endorsement. Numerical scenarios are illustrations, not available rates or terms.
