9 Best $100 Cash Advance Apps To Borrow Money Instantly
All of us have faced times in our lives when money is a little tight. Maybe you need to pay off your cell phone bill, get groceries, or just get a bit of extra cash to hold yourself over until payday.
This is where using the best cash advance apps can be a lifesaver. Especially if you're looking to borrow $100 instantly to pay off a few of your daily expenses.
So, let's dive into the best $100 loan instant apps you can use to get paid right away when you need it most!
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The Best $100 Instant Loan Apps For Cash Advances
1. EarnIn
EarnIn is our favorite cash advance app at WebMonkey and lets users borrow $100 per day – up to $750 in total – within a single payment period.
Like many top apps, EarnIn doesn't charge interest or mandatory fees. There's no credit check requirement either. Instead, EarnIn connects to your bank account and analyzes your income to determine how much you can borrow.
To be eligible, you must have consistent income from an employer that’s directly deposited into your bank account. You also must be at least 18 years old and live in the United States. Finally, you need to prove you have a “fixed work location or employer-provided email address.”
Most transfers take one to two business days to process. If you need money faster, you can pay a Lighting Speed rush fee of $3.99 to get it within minutes.
Overall, we think EarnIn is a great app to borrow $100 instantly. And its lack of membership fees makes it our favorite advancing app out there.
👉 Get started with EarnIn or read our post – is the EarnIn app legit? – to learn more.
2. Cleo
Cleo is another way to borrow $100 if you need to pay rent, bills, or other expenses and are scrambling for the cash.
This app lets you borrow $25 to $250 from a future paycheck. It doesn't require a credit check or charge interest either. Instead, Cleo determines how much you can borrow based on your income history and bank balance.
You have to subscribe for a Cleo Plus membership to borrow, which costs $5.99 per month. But this is the only mandatory fee you have to worry about. Plus, Cleo offers other products, including budgeting tools and a credit-building product.
We like Cleo because it also accepts gig economy income and freelancer income, not just income from a 9-5. This makes it the best choice if you don't have traditional employment but need to borrow $100 quickly.
Get started with Cleo or read our Cleo review to learn more.
3. Dave
Dave is another popular app that offers ExtraCash Advancements of up to $500. And like the other apps in this list, you don't have to worry about a credit check or even paying interest!
Instead, you pay a $1 monthly fee to use Dave. It also monitors your connected bank account to determine how much you can advance. On average, users can borrow up to $160, which gives you plenty of wiggle room to borrow $100.
Funds are deposited for free to a linked external account within two to three days. For an instant deposit, you can choose to send it to your Dave Checking account for a 3% fee or to an external debit card for a 5% fee.
The Dave app also has a popular side hustles feature that links users with various job opportunities to earn extra cash. This includes various gig apps, paid surveys, online jobs, cash games, and much more!
Try out Dave today or read our Dave app review to learn more.
4. Current
Current is a digital banking solution that makes it easier to spend, save, and invest your money.
It also has a new paycheck advance service that let’s users request cash advances of $50 to $500. This service is available to both those with a Current bank account or an externally linked account, as long as you can show a history of eligible payroll deposits.
Standard advances are free, and will show up within three days—or you can pay a small fee for an instant advance. Current doesn’t list what this fee is, but notes that it will vary based on the amount you’re requesting.
We also like Current since it pays 4% APY on up to $6,000 in savings. This is an easy passive income idea and great home for an emergency fund. Plus, new users qualify for a $50 bonus after their first direct deposit shows up.
Get $50 from Current or read our Current bank review.
5. Chime
Chime is a banking app that offers checking and savings accounts, secured credit cards, and a cash advance service called MyPay.
With Chime MyPay, eligible users can request advances up to $500, though most users start with a $50 to $100 limit. Fee-free transfers into a Chime Checking account are typically made within 24 hours, or you can pay a $2 flat fee to get your money instantly.
There’s no required subscription fee, no credit check, and no interest payments, but you do have to have an active Chime card. Credit limits are determined each pay period.
It's worth noting that while anyone living in the United States can open a Chime account, MyPay is only available in 28 states, so if you’re interested in this service, you need to check to see if it’s available in your area.
💵 The Best $200 Loan Instant Apps To Try.
6. Klover
If you're still wondering where to borrow $100 instantly, then the Klover app could be what you need.
Klover users can qualify for cash advances up to $200. Like most other cash advance apps, you must show a history of at least three consecutive payroll deposits to qualify. But you can get paid much sooner with this app than waiting for payday.
Standard cash advance requests usually take three days to process, but you can pay an expedited fee of $1.99 to $16.78 (depending on the amount you borrow) to have the money deposited instantly into your account.
Klover also lets users increase their borrowing limit by earning points in various ways. For example, you can watch video ads, answer online surveys, or sign up for various offers to earn points. If you struggle to get a $100 cash advance limit from other apps, try out Klover since it's more lenient when it comes to advances.
Try out Klover today or read our post – is Klover legit? – to learn more.
7. Brigit
Brigit is another option you can use to quickly borrow $100 while also increasing your credit score.
This app offers cash advances of $50 to $250. To qualify you must link an active bank account with at least 60 days of spending activity to the Brigit app and use it daily to establish your spending and earning patterns. Brigit doesn't charge interest and doesn't require a credit check.
You will need to have a current Brigit Plus subscription to use the cash advance feature, which starts at $8.99 per month. You can also upgrade to Brigit Premium for $14.99 per month to unlock its credit building product.
If you just need a $100 loan app, the monthly fee isn't worth it. But Brigit is our favorite cash advance app that also helps you improve your credit.
Try out Brigit today or read our Brigit app review.
8. Super.com
Super.com is another option to borrow $100 since it offers cash advances between $25 to $250 depending on your income history and spending habits.
Like similar apps, you link your bank account to Super to determine your advance limit. From there, eligible members can borrow money without paying interest or going through a credit check.
What makes Super unique is its range of other features. You can save money with coupons and cash-back deals for starters. And it even lets members earn money by playing games or by completing cash surveys in their spare time.
Most features, including borrowing $100, require paying $15 a month for a Super+ membership. This is a bit high, but Super has a free trial. And you can easily offset the membership cost with how many earning options it has for members.
Get started with Super or read our post – is Super.com legit? – to learn more.
9. Varo
Varo is a digital bank that's known for its low fees and ease of moving your money around. And it now offers cash advances of up to $500.
New members can advance up to $250 depending on their bank account history. But you increase this limit slowly over time as you make on-time payments.
We also like Varo since it doesn't charge monthly account fees. And with its checking account, you can even get paid to shop by earning cash-back rewards which is pretty sweet.
Read our Varo review to learn more!
What Are Some Good Alternatives To Borrow $100 Instantly?
We think the list of instant $100 loan apps above is a great place to start if you need some extra cash. However, it's not your only option.
Several other alternatives you can try include:
- Borrowing money with a personal loan app like Possible Finance
- Asking your family or friends to spot you the cash
- Trying out apps that loan you money without a job
- Selling your unused stuff
- Pawning things for cash
- Taking out a credit card advance
- Looking for $100 sign up bonuses going on
Just make sure that you consider fees, repayment terms, and how quickly you get your funds with any option you consider. And, of course, you can also look for fast-paying side hustles instead of borrowing money.
👉 Get $500 By Tomorrow With These Ideas!
Final Thoughts
We hope this list of $100 cash advance and borrowing apps helps you out if you're struggling with money right now.
There are ultimately tons of methods you can use to get quick cash. So, pick one or several of these ideas and apply them to help smooth out your cash flow. And remember: learning how to save money, budget, and start new side hustles can also be a game changer!
Want even more income-boosting ideas? Checkout:
- The Best $25 Loan Apps.
- How To Get $100 Right Now For Free.
- Is Albert Legit?
- These Apps Can Make $100 A Day!
EarnIn Disclaimers:
1: EarnIn is a financial technology company, not a bank. EarnIn services may not be available in all states. Bank products are issued by Evolve Bank & Trust, Member FDIC.
2: Subject to your available earnings, Daily Max and Pay Period Max. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.
3: EarnIn does not charge interest on Cash Outs. EarnIn does not charge membership fees for use of its services. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.
4: Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank. Restrictions and/or third party fees may apply, see Cash Out User Agreement for details.
