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50+ years of combined experience 100 days loan has remarkable services of providing instant loan and user- friendly services, which makes the payday loan process easier. It does not require a credit check, and one has the option to apply and receive approval over the phone, which is a service that many other loan providing companies do not offer. Applying online is the simplest and most convenient way to apply, with the website being user- friendly and simpler. Their website also offers a help line number for a quick enquiry over the phone. Âˇ Are gainfully employed for the last 90 days with a monthly income in excess of $1000 or;