- Most cash advance apps offer $20–$100 to new users, often free with a standard transfer.
- A $100 payday loan at $15 per $100 costs $15 for two weeks, about 391% APR.
- Fee-free overdraft (like Chime SpotMe) can cover a small shortfall at no cost.
Ways to get $100 fast
| Option | Speed | Cost for $100 |
|---|---|---|
| Cash advance app, standard transfer | 1–3 business days | Often $0 (tips optional; some need a subscription) |
| Cash advance app, instant transfer | Minutes | A few dollars |
| Bank early-pay feature (e.g. Chime MyPay, Varo Advance) | Minutes to 24 hours | $0 to a few dollars |
| Fee-free overdraft (e.g. Chime SpotMe) | At checkout | $0 |
| Pawn loan | Same day | State-regulated fee |
| $100 payday loan | Same day to next business day | About $10–$30 |
Why apps win at $100
Apps base your limit on your deposits, so they can approve small amounts without a credit check. New users usually start with lower limits that grow over time. See cash advance apps compared.
A $5 or $10 monthly membership on top of a $100 advance is a big cost in percentage terms. Cancel memberships you do not use.
A $100 payday loan
Payday lenders do make $100 loans, but small loans have the highest cost per dollar. Payday lenders commonly charge $10–$30 per $100 borrowed. At $15 per $100, a two-week loan works out to about 391% APR. If you choose one, repay on the due date and avoid renewing.
Amounts, fees and terms depend on your state. Some states ban payday loans or cap rates at 36%, so lenders do not offer them there. See payday loan laws by state.
Tried the free options first?If you still need a small short-term loan, you can send one request to our lender network. Compare the cost carefully.
See loan optionsFrequently asked questions
How can I get $100 instantly?
A cash advance app with an instant-transfer fee, an early-pay feature from your bank, or a credit card cash advance can get you $100 in minutes.
Which app gives $100 instantly?
Many apps, including Dave, EarnIn and Brigit, can advance $100 or more to eligible users, usually with a fee for instant delivery. Limits depend on your deposits.
Can I get a $100 loan with no credit check?
Yes. Most cash advance apps and payday lenders do not use a traditional credit check for small amounts.