$100 Instant Loan Apps: No Credit Check Required


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There are times when you need a small amount of money to cover a bank overdraft or an unexpected expense. However, applying for a loan to borrow a few dollars is usually not worth it. Luckily, an instant $100 loan application can help you cover a smart shortfall right away. The following instant $100 loan application options are best when you need a cash advance.

7 instant loan apps that don’t check your credit

Here are seven apps that will lend you $100 fast — and won’t check your credit first.

1. Win

The Earnings app is one of the cheapest ways to borrow up to $100 a day. Unlike many other cash advance apps, there are no subscription fees or hidden charges. Instead, Earnin asks you to send a tip that you deem fair in appreciation of the loan.

To borrow with Earnin, you will need to show that you are receiving a paycheck. As mentioned, you can borrow up to $100 per day of your income. One of Earnin’s best points is its user-friendliness. There are no credit checks and no hidden fees. In addition, an interest-free period makes it possible to borrow money at low cost. Earnin will keep a tally of what you borrowed and withdraw the funds to repay the loan on your next paycheck.


David is an excellent banking alternative. You can manage all your banking needs using the app and a linked debit card. And if you regularly need a quick cash boost, having an account with Dave could be a lifesaver. You can borrow up to $500 in ExtraCash, interest-free. All you need is to have direct deposit installation.

There is a $1 monthly membership fee when banking with Dave. However, there are no other fees, such as monthly maintenance, minimum balance, overdraft or ATM fees. Plus, receiving your paycheck as a direct deposit means you could get paid up to two days earlier than expected. If you’re wondering if opening an account with Dave is worth it, the fact that you can borrow up to $500 quickly without interest or fees could be a big selling point.

3. Bridget

Brigitte can give you a cash advance with no credit check or fees up to $250. There’s a $9.99 monthly membership fee to borrow from Brigit, but it might be worth it if you tend to ask for cash advances often.

Brigit also offers ways to build your credit, such as a 12 or 24 month loan. When you borrow, the Brigit app will deposit the amount into a Credit Builder deposit account. You will need to choose a monthly repayment amount between $1 and $24 for a 12 month loan and between $1 and $50 for a 24 month loan. Brigit will report your payment history to the credit bureaus, helping you boost your credit score when you repay your loan on time.

4. Payactiv

payactiv is one of the greatest payday advance services available. More than 1,500 employers including walmart and Uber offer employees access to Payactiv. Each employer will determine the amount they will allow an employee to borrow against their earned wages. However, even if you don’t work for a participating employer, you can still use Payactiv as a banking alternative.

When you borrow against your future paycheque, the funds can be deposited into a Bank account or card to use for whatever you need. The money you borrowed as a cash advance will be deducted from your next paycheque.

5. Chime

Carillon is a financial alternative for anyone who cannot or does not want to open a current account in a traditional bank. After applying for a Chime account, you will receive two accounts: a spending account for paying bills, which is similar to a checking account, and a backup account.

All financial tasks are performed through the Chime app. When using Chime, you may receive a push notification prompting you to get a Chime instant loan. Chime loans start at $100, depending on the amount of direct deposits you receive and your activity.

Chime loans must be repaid in three monthly installments. When you take out a Chime instant loan, you pay a fee of $5 per $100. Once you have repaid a loan, you can receive another loan offer as a notification through the app. Overtime, Carillon may offer you a higher loan amount.

6. Silver Lion

MoneyLion offers interest-free, credit-check-free cash advances up to $250. Best of all, funds are available within minutes. The main eligibility requirements for getting a MoneyLion loan include having a current account open for at least two months and steady banking activity with regular deposits.

When you need to borrow more, MoneyLion offers Credit Builder Plus Loans up to $1,000. To access larger loans from Credit Builder, you will need to pay a monthly subscription fee of $19.99 per month. Credit Builder Loans must be repaid over 12 months. Your lending activity and payments will be reported to the credit bureaus to help you establish your credit.


You can borrow up to $250 for free when you are in need from Albert. There’s no late fee or interest charged when you borrow money. To qualify, you will need to receive a regular paycheck. The funds you need are borrowed from your next paycheck.

Albert charges a small fee if you need the cash advance immediately. Or you can wait two to three days to receive the funds for free. As long as you continue to repay your Albert cash advances, you are entitled to up to three cash advances per pay period.


Life happens, and sometimes you need a quick push to handle things. cash advance apps allows you to quickly borrow the funds you need. The instant $100 loan apps reviewed here are some of the best. Most don’t run a credit check and charge little to no fees, so you can make ends meet quickly.


  • Which app can I borrow $100 from?
    • There are several instant $100 loan apps you can choose from to borrow a small amount of money quickly. This guide goes over the main options like Chime, Dave and more.
  • Which apps lend you money instantly?
    • If you’re looking for a small amount of cash, there are instant $100 loan apps like Brigit, Dave, and Earnin to borrow money quickly. Even better, you can continue to borrow money instantly as long as you repay your loan.
  • Which app will lend me $20?
    • This guide reviews the best $100 instant loan apps that make it easy to borrow a small amount of money fast. You can borrow up to $100 to $250 with minimal effort.

Editorial note: This content is not provided by any entity covered by this article. Any opinions, analyses, criticisms, evaluations, or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed, or otherwise endorsed by any entity named in this article.

Chime is a fintech company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, NA; FDIC members.


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