i know what is collateral is but i would not be loaning $100 if i have any right now
You continue to say idiotic things. You can't take
any kind of loan without collateral, in any place on Earth. Who cares if you have $100 or $1mil? Since you ask for a loan, collateral is mandatory.
our goverment doesn't allow $100 since it's too small
Does your government give loans without collateral?

also i don't want togo bankrupt because of interest rate
Oh, so you actually want free money. No collateral to secure the lender and no interest. Sounds great!
but i need todo something for my family
Firstly, do a favor for yourself and lock your thread. Secondly, find a job and finally stop telling lies.