How To Borrow $100 Instantly (NO Fee, NO Credit Check!)

We will tell you something you have yet to hear before. Even the banks that let you overdraft without a fee are not an intelligent choice, if you want to maintain a good financial standing in the long run. Although the option seems attractive on the surface, there are often many traps hidden below. Instead, you can learn how to borrow 100 instantly through personal loans and apps to save all the trouble!

What Will We Talk About Here?
  • Early paycheck apps like MoneyLion or instant loan apps such as PockBox are most reliable options if you wish to get a loan of $100 or more.
  • Viva Payday loans and MoneyLion offer instant loans with no credit check although there no guaranteed instant loan apps.
  • There are loan apps that do not charge service fee so you can get the instant loan for free.

…and Much More!

How To Borrow 100 Dollars Instantly Online

Living paycheck to paycheck can be exhausting. It also means that you will need more funds to deal with a financial emergency if one arises. Luckily, there are some options to consider if you need $100 instantly. 

Early Paycheck App

Your monthly income comes at the end of the month. How lucky would it be to have it when you need it?

That’s what early paycheck apps can do for you. They help you get money every two weeks or a few days before the paycheck is due. The funds will be deducted when the pay arrives.


MoneyLion app can be integrated with your checking account to access cash advances of up to $25 to $250.

The amount of cash advance you can have depends on how long you have owned the account.

Typically, it takes 6 to 8 weeks to increase the limit from $50 to $250. You will get the funds in your account within 3 business days or instantly if you pay a small fee.

The Instacash turbo fee for instant transfer is up to $5.99 for RoarMoney and up to $8.99 for your bank account. You can plan and avoid the fee by applying for the loan at the right time.

  • MoneyLion does not carry out a credit check and does not have any interest fee either.
  • The due date is two weeks after borrowing the loan, but it can be flexible depending on your schedule.
  • The app automatically deducts funds from your checking account on the due date.

You might be interested in reading: Apps Like MoneyLion.


Earnin is one of the most popular paycheck advance apps that can help you access a portion of your income early. At first, you can borrow up to $100 at a time and up to $500 per pay period.

  • The funds will be sent to your checking account within 3 business days. However, you can get them instantly as well, but you have to pay extra for the Lightening Speed transfer.
  • Earnin does not charge any interest fee. It is up to your discretion if you want to tip upon transfer.
  • The app tracks your working hours with a timesheet or using a location tracker. It would help if you allowed the app to access the information.


With Dave, you can borrow up to $250. The portion of the paycheck can be accessed 2 days earlier and with no fee.

The best part is that it does not carry out a credit check, so you can safely get a loan even with a struggling credit history.

However, the app will consider the frequency with which you borrow money and how punctual you have been paying off previous loans (if any).

  • Dave charges a monthly fee of $1, but, fortunately, it doesn’t have any interest fee or hidden charges. You will need to pay extra money for an instant transfer.
  • Instant transfer charges $4.99, which is relatively high compared to other advance paycheck apps.
  • You must allow the employer to direct deposit to your Dave account so the funds can be automatically deducted when the next paycheck arrives.


PayActiv is a cash advance app that you can use only if your employer signs up with it. In addition to accessing paycheck earlier, the app offers several benefits.

Typically, you can get 50% of your income earlier or $500, whichever is less. Moreover, you can access up to $1000 at a time if you have set up a direct deposit.

  • The app does not charge a service fee if you use direct deposit to your PayActiv card. However, when transferring funds to your checking account, you will be charged $1 per transfer. The maximum fee per pay period is $5, regardless of the number of times you borrow money.
  • PayActiv is an ideal cash advance app as it guarantees that you can access your funds whenever you need them or if you need them. Otherwise, they can stay there unused.
  • If you take an advance from the app, the funds will be automatically deducted from your next paycheck.

Instant Loan Apps

The list is long!

Surprisingly, there are many apps that lend you instantly, right? The only thing to keep in mind, however, is that they have specific fees and repayment terms.

  • Varo Money, Cleo, B9 and Klover are some prominent names. 

Varo is a cheap option that will lend you $100 with just $6 fee. However, you must own the account for at least 30 days before you can request a loan and have a $1000 direct deposit within the last 31 days.

If you do not fulfil these terms, Cleo, B9, and Klover are good options. Cleo charges $9.99 for getting a cash advance of $100 and provides additional financing tools as well.

These instant apps are typically known as Neobanks. They have partnered with FDIC-insured banks to accept deposits and issue loans.

You can access them easily from mobile devices, and most of these issue loans of $100 or more.

Here’s a list of other instant loan apps that you can reach out to for help.


Chime can be considered a fully functional bank that works online. It is a fintech app that lets you borrow up to $100.

You must create a Chime account (Spend Account) and then sign up with their SpotMe service to access the loan. There is a short online application you have to fill out to complete the loan request.

  • Chime does not charge any fees for the loans. Moreover, there are no minimum balance requirements.
  • There is a qualification criteria for the loan: you must have direct deposits of at least $200. Moreover, the loan amount is limited to $20 at first. If you take advance regularly and pay back on time, the limit will eventually increase to $100.
  • Chime does not carry out a credit check before drawing a loan decision.

You might be interested in reading: Payday Loans That Accept Chime.


The Albert app offers cash advances up to $250 that you can use to cover for financial emergencies. The app does not carry out a credit check.

Albert allows users to create a checking account with a debit card. You can also sign up with a savings account, which the system will use to transfer loan amounts automatically when you have enough funds.

Our favourite feature is Albert Genius, a tool that provides personalised recommendations from real financial experts.

They guide you on how to boost your credit score, how to budget correctly, how to pay off credit card loans, etc. The feature is free for 30 days when you sign up with the app.

  • Albert does not charge service fees or interest charges.
  • You will have to pay a fee to access the money instantly, or you can wait up to 3 business days for the funds.
  • You can also get up to 3 advances per pay period if you maintain a good history of paying back loans.


Are you looking for a budgeting app that can help you access a loan when you need it? Brigit is the answer! You can borrow up to $250 with the app.

  • The loan will be transferred to your account within hours if you request it by 10 a.m. Eastern Time. However, if you arrive late, the funds will be sent to you the next day.
  • Brigit charges $9.99 per month for the pain plan, which comes with additional features and benefits.
  • The repayment terms depend on when you get the paychecks. You can extend the due date a few times (once every two loans).


Another outstanding app to access 100 dollars on the same day is Pockbox. The app lets you avail of loan offers up to $2,500 immediately, but you can get as low as $100.

  • Pockbox does not charge a service fee, but the costs of getting a loan depend on what the specific lender is offering.
  • The app acts as a bridge between you and the lender so you can reach a suitable offer quickly.
  • You only need to fill out an application online. Multiple lenders will review it to decide if you qualify for their offer.


You can access instant loans here, starting at $100. The funds are transferred to the linked bank account on the same day.

The app does not charge fees, but you should check with the specific lender about interest fees and repayment terms beforehand.

CashSpotUSA will only connect you with suitable lenders. It is up to them whether they accept your loan application or not. The decision primarily depends on your credit history, although a few lenders ask for additional documentation as well.

The app gives you a cash advance of up to $250. The funds are transferred to a linked Empower debit card instantly or to an external bank account of your choice.

Empower can help you take control of expenditures by cutting down unnecessary purchases. It guides users on how they can save money to avoid cash advances in the future.

  • does not charge a late fee or interest.
  • Cash advances through this app cost $8 per month, although it is free to set up and offers a cost-free 14-day trial period.
  • Empower will scrutinize your bank account history, average direct deposit amounts, and repayment history to determine if you qualify for the loan.

You might be interested in reading: Second Chance Payday Loans.

Extra Reading

How To Use Emergency $100 Loan Apps Wisely

Picture this: You have borrowed $100 from a loan app. It helped you solve financial emergencies.

Later on, you returned the loan with no interest fee and no hidden charges. Would this motivate you to loan more in the future? $200 next time and $500 in the time that follows.

It is natural to ease into the habit of borrowing because instant loan apps make it quite accessible. There is no harm in doing so as long as you know how to utilize and return the loan wisely.

  • Only Take the Amount That You Need 

It is crucial only to borrow what you need. Although most apps won’t charge you interest, the funds will automatically drain your next paycheck, which means your next month will have a tighter budget.

As you progress in this cycle of borrowing and paying off, it may become more burdensome to pay back over time.

  • Make it a Priority to Pay Off Early 

Paying off a loan should always be your top priority, especially if it charges an interest fee. Some apps even cancel membership if you do not pay on time.

Where Can I Get $100 Instantly With No Credit Check

Instant loans provide immediate relief when you are facing unexpected financial challenges. However, it can be a problem to score an instant loan with good terms with a poor credit standing.

That’s when $100 loans with no credit check come in!

Several excellent options offer credit loans instantly without carrying out a credit check.
Some may scrutinize your credit report but do not consider the FICO score as a deciding factor for allowing you access to the loan.

Viva Payday Loans is an excellent option to score an instant loan without a credit check. It hosts a network of trustworthy lenders you can contact simply by filling out a form online.

How Much Does It Cost To Get $100 Instantly

Charges for borrowing $100 from a cash advance app depend on the specific platform that you are using.

  • On average, borrowing $100 can cost you $15.35.

It is ideal to aim for apps that do not charge an interest fee, service fee, or have hidden charges. However, in the case of apps that connect with your lending parties, the terms for a loan may vary as per lender requirements. There are three basic expenses that you need to keep in mind.

  • Monthly Subscription Charges 

There is usually a fee to access cash advance or to increase the credit limit. Some apps may charge subscription fees, while others don’t. They may, however, charge a fee for using additional features such as budgeting tools.

  • Optional Tip 

Apps like Dave often provide users with an option to tip 15% of the amount if they want. Remember that this does not impact your ability to get cash advance, and not giving a tip will not reduce your advance limit.

  • Express Fee

This is generally an extra charge if you want to receive the funds instantly. All the apps transfer funds between 2 to 3 business days without a fee. If you don’t want to wait that long, you must pay the express cost, which varies depending on the app you are using.

Can I Borrow 100 Instantly For Free

Yes, you can! Some loan apps do not charge service fees, subscription fees, or hidden charges, so that you can access cash advances for free!

However, this rule does not apply to apps that only connect you with lenders. Such platforms may be free, but the actual expense depends on the specific lender that you engage with. They can have charges and repayment terms of their own.

Steps To Pay Off Instant Loans Quickly

You may think, “This isn’t costing me an interest fee, so why should I worry about paying off a loan before the due date?”

The most straightforward answer is that debt can be burdensome. Therefore, consider getting it off your shoulders as soon as possible. Here are a few tips that can help you.

  • Find a side hustle that you can work on with flexible hours. Freelance writing online, designing, or online auctions are a good option. You can use the money to pay off the loan faster and keep yourself out of debt in the future.
  • A part-time job over the weekend or a few extra hours in the weekdays can be sufficient to pay your instant loan earlier. Moreover, the extra income can help you avoid needing a loan later.

It is also important to note that although loans have repayment schedules, you can make extra payments if you have the funds.

You score a freelancing job and can make extra dollars during the month. Then, choose to pay off the money from your loan amount as soon as possible so you can keep more from your paycheck at the end of the month.

The Bottom Line

Financial emergencies hardly ever knock on the door before barging into our lives. Therefore, it is crucial to be aware of possible options that can help you deal with such a situation.

The apps that we have discussed above make it easy to access loans, do not impose hefty fees, and they also don’t demand that you have an excellent credit standing.

At the same time, it is essential to carefully review repayment terms, fees, and any other details before you finalize the loan. This will help determine whether you can afford to pay it back comfortably.

Frequently Asked Questions (FAQs)

Do cash advance apps affect credit scores?

No, most cash advance apps do not hurt your credit score when you loan money. However, if you fail to pay back timely, it will show up as a negative statement on your credit report.

What are some guaranteed $100 loan options I can try?

Credit card cash advances and payday loans are some of the most reliable options for getting a loan of $100 immediately.

How quickly can I get funds with instant loan apps?

Instant loan apps allow borrowers to access funds within minutes but typically charge an additional fee. Although the quick turnaround makes them an ideal option in an emergency, you can avoid such costs by planning and applying for the loan at the right time.

Should I use an instant 100-dollar loan app or avoid it?

The applications are a good source of help when you need money instantly. It is okay if you occasionally use them to access funds, but you must work on improving your spending habits or explore ways to increase your income in the long run.

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