Best $100 Instant Loan Apps When You Need Money Today

Cash advance apps like Current and EarnIn can get you a small advance, like $100, when you need it before payday. They connect to your bank account and take the money back from your next deposit.

Sometimes you need some extra cash to pay a bill and you can’t wait. A $100 advance on pay you have already earned is usually the simplest fit for a gap that size.

If you’re strapped for time, I’ll go ahead and share the best $100 loan instant apps to land your next paycheck.

How Do $100 Loan Apps Work?

Most $100 loan apps are cash advance apps. You ask for a small advance against your next paycheck, and the app takes it back automatically when your pay lands. Here are the questions people ask most.

What is the fastest way to get $100?

A cash advance app like Current or EarnIn is usually the simplest route, because you are getting an advance on pay you have already earned. The survey sites and game apps further down are real ways to earn $100, but you have to put in the time first.

Which app gives you $100 with no credit check?

EarnIn says no credit checks, Tilt says no credit checks, and Current says it does not run a credit check when you open an account. Check each app’s section below to see its rules (EarnIn, Tilt, Current).

Will my first advance be $100?

Not always. Tilt reports an average first offer of about $98, while Klover lists up to $750 for eligible users, so your first advance may start much lower than the top number. Most apps start small and let you work up to the top amount (Tilt, Klover).

Can I use more than one app at once?

You can have several installed, but every advance gets paid back from your next deposit, so stacking them leaves you short on the next paycheck. For a $100 gap I would start with Current or EarnIn and stop there.

Best Instant Money Apps to Get $100 Loan.

These cash advance apps can get you a small advance, like $100, before payday.

Try these free mobile applications available in the App Store and Google Play Store, so you can borrow cash with ease:

1. Current

Best for: Anyone who wants a $100 instant loan app with room to borrow more later.

Current advances up to $1,000 through its Paycheck Advance for eligible customers, so $100 is a small slice of what’s possible. You need at least one eligible payroll deposit of $200 or more in the last 35 days.

Direct deposit can arrive up to 2 days early, and there is no credit check to open the account.

Why it fits a $100 gap: Asking for $100 is well inside the limit, and the same account covers a bigger gap next month. The catch is that this works best if your paycheck is already heading into Current.

Watch out for: It’s a bank account, not just a lender. Your pay has to be deposited there, and the advance is for eligible customers only.

Read our full Current review.

2. EarnIn

Best for: Workers who need a $100 instant loan app that doesn’t charge interest or require a credit check.

EarnIn lets you take up to $200 a day and up to $1,000 per pay period from pay you’ve already earned. There is no interest, no credit check and no mandatory fees.

Standard transfers are free. If you need the $100 in minutes, Lightning Speed starts at $3.99. Tipping is up to you, and $0 is allowed.

Why it fits a $100 gap: $100 is half of one day’s limit, so you can take just what you need. That keeps what you owe back from your next paycheck small.

Watch out for: EarnIn has to verify your job, so gig or irregular income can be a harder fit. The fast option is the one that costs.

Read our full EarnIn review.

3. Brigit

Best for: Someone who needs $100 now and wants to start with a small request.

Brigit advances $25 to $500 with no credit check and no interest. It says it has 15M+ users, and sign-up takes about 2 minutes.

Express delivery costs $0.99 to $5.99, so check the price in the app before you confirm.

Why it fits a $100 gap: The range starts at $25, so $100 is an easy ask. Free delivery works if you can wait, and express covers you when you can’t.

Watch out for: Fast delivery is the part you pay for. On a $100 advance, a few dollars of express fee is a real share of it.

Read our full Brigit review.

4. Grant

Best for: Anyone who wants a $100 instant loan app with a small first advance and no credit check.

Grant advances $25 to $500 with no interest, no late fees and no credit check to apply. The average first advance is about $66.

Standard delivery is free and takes about 3 business days. Faster delivery costs extra.

Why it fits a $100 gap: Grant starts small, and that matches a $100 need. The first advance may come in under $100, so you might not hit your full number on the first try.

Watch out for: Grant isn’t available in every state, so check the app for yours before you count on it.

Read our full Grant review.

5. MoneyLion

Best for: People who want a $100 instant loan app tucked inside a full banking app.

MoneyLion offers Instacash advances of up to $500 at 0% APR once you link your checking account.

Its Spend account can get your paycheck up to two days early, and the app also bundles saving, investing and earning tools. The instant-delivery Turbo fee is 7.5%, capped at $14.99.

Why it fits a $100 gap: On a $100 advance, a 7.5% Turbo fee works out to $7.50. That’s worth knowing before you tap the fast option, since standard delivery avoids it.

Watch out for: Turbo is where the cost is. If you can wait, skip it.

Read our full MoneyLion review.

6. Cleo

Best for: Someone who wants a $100 instant loan app with a built-in budgeting tool.

Cleo advances up to $250 with no interest, but only through Cleo Plus at $5.99 a month. You pick a repayment date between 3 and 14 days.

The free version has a budgeting tool, a digital wallet and a weekly quiz with chances to win cash rewards. It doesn’t include the advance. An advance won’t affect your credit score.

Why it fits a $100 gap: $100 sits inside the $250 cap, and you choose when it’s repaid, anywhere from 3 to 14 days. That helps if payday is close.

Watch out for: A $5.99 a month plan against a $100 advance is a lot. It makes more sense if you’ll borrow regularly.

Read our full Cleo review.

7. Tilt

Best for: People who want a $100 instant loan app with no credit check and no interest.

Tilt advances up to $500 with no application, no interest, no late fees and no credit check. Tilt reports an average first offer of about $98.

You get a 14-day free trial, then it’s $8 a month. Repayment comes out of your next direct deposit automatically.

Why it fits a $100 gap: An average first offer of about $98 is right at a $100 gap. You can try the app during the free trial and see what you’re offered.

Watch out for: Tilt isn’t available in Connecticut, Maine or Washington D.C. Cancel before day 14 if you only want to try it.

Read our full Tilt review.

8. Klover

Best for: Someone who needs a $100 instant loan app and has steady direct deposits.

Klover lists up to $750 for eligible users, and your first limit depends on your account. You need at least three consistent direct deposits in the past two months, with no gaps in pay from the same employer.

Klover’s advances come with no interest, no late fees and no credit check, but funding can be slower than some competitors. Its optional express fees are relatively high.

Why it fits a $100 gap: Klover lists up to $750 for eligible users, so a $100 request is well within the listing. It’s the choice if you want some room above $100.

Watch out for: Irregular income may not meet the deposit rule, and the express option can be pricey on a small advance.

Read our full Klover review.

Get Your $100 From These Apps

Best Apps That Can Make You $100 Instantly

Want to learn about other apps that pay you real money to make $100 fast?

I’ll only list legit ways that I’ve personally used to make money online, and make it fast. We will first start with the quick wins, companies that’ll (legit) pay you money just for signing up:

• SurveyJunkie: Makeup to $50 per survey in your spare time from home to take online surveys, participating in focus groups and trying new products. Join SurveyJunkie Now
• Swagbucks: Watch videos, take surveys, shop and more to earn real money. Join Swagbucks Now to Get $10 Free
• InboxDollars: Has so far paid its members over $40 Million. Watch videos, take surveys, shop, and more. Join InboxDollars Now and Get Free $5

Next, we’ll move on to other ways to earn with your mobile phone.

9. Survey Junkie

Taking online surveys to make that extra money is a no-brainer!

You definitely won’t get rich or make thousands of dollars per day with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

Survey Junkie pays between $2 and $50 per survey, and many of them take less than 5 minutes to complete. So if you took on average 10 surveys per day, every day for a month, you could make $375+ per month. If you took more surveys a day, the possibilities are endless.

There are a lot of scammy survey sites out there, but Survey Junkie has over 11,000 positive reviews on TrustPilot, the highest of any survey site. It’s legitimate.

Sounds like fun? Sign-up for Survey Junkie, take surveys and earn money from your phone fast. You can also get a registration bonus through here.

10. Nielsen Mobile

One of my favorite apps that not many people know about is Nielsen. If you have a cell phone or laptop then you can earn $60 fast right now. All you have to do is register for free (they’ll track your browser usage) and you’re set to earn $60 per year passively.

It’s really noninvasive, requires basically no storage, and won’t impact your device performance. After you installed the app, just use the internet as you usually would (but now you’re getting paid, cha-ching!).

Nielsen gives out $10,000 each month so you can win real money for about 60 seconds of work. A no brainer.

11. Mistplay

We all heard the old saying “time is money” right?

Instead of playing games on your phone like everyone else and feeling bad for wasting your time, now you can get paid for it with apps that pay you real money.

Getting paid for playing games sounds like a dream. But if you download a free new app, and then download games from it and play, you earn money.

As you level up you can earn more money for cash rewards or gift cards.

This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games. I use it and it is legit and has over 131,404+ positive reviews in the Google Play store.

If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

12. InboxDollars

Another app that offers you the opportunity to play games for real money is InboxDollars.

If you sign up before the end of this month, they also give you a $5 free bonus just to give it a try.

By spending just 5-10 minutes per day on this (either on your lunch break or during TV commercial breaks) you can earn and earn an extra $50/month just for playing games. They also offer you the opportunity to earn cash for sharing your opinion and completing surveys.

More people should be doing this to earn $50 this month.

$100 Loan App FAQs

Here are a few more questions people ask when they need a $100 loan app:

External resources, so you don’t have to do the research:

1) Have you lost your job? You can file for unemployment. While you wait for it to kick in, money borrowing apps, get paid today apps and DailyPay alternatives are worth a look.

2) Looking to earn money? We have two articles about this, one for people looking for full-time online jobs and another for people looking for part time income (the gig economy).

3) Worried about bills? Here is an article from our team on ways to save money on groceries. Credit card companies and some banks are also delaying payments, waiving fees, and removing interest charges. Read about it here. You can get out ahead of these problems.

4) Trying to stretch your budget? Check out our guide on living cheap. Maybe you already know it all, but maybe there are some tidbits in there to help.

Borrow Responsibly when Using $100 Loan Apps

If you’re like most people, any new financial need or demand makes you irritated and tense. Most cash advance apps can help you meet your immediate demands without delay or having to seek secured personal loans. Since you’re likely unready for financial emergencies and each additional financial obligation can put you on edge.

There are several advantages of getting a cash advance via an app rather than going to a local bank or pawnshop to try and get quick cash. Even though there are many lending institutions in each city today, you may not be aware of all the nuances, interest rates and fees among them.

Every potential borrower must understand that he or she is fully responsible for any loan or cash advance obtained. This money should not be taken for granted, since it will only be used for a brief period of time.

Finally, such small amounts of loaned money can’t accommodate long-term financial objectives. Consider alternative ways to finance your long-term goals and needs, or try to increase your income potential with side hustles.

With that said, good luck getting your $100!