$100 Loan Instant Apps: No Credit Check Required

Woman's hands hold up US $100 bill, others in the background repeat the action, all against a blue background.
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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 bucks isn’t usually worth the effort. Fortunately, a $100 loan instant app can help you immediately to cover a smart shortfall. The following $100 loan instant app options are the best when you need a cash advance.

7 Instant Loan Apps That Don’t Check Your Credit

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

1. Earnin

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

To borrow with Earnin, you’ll need to show you receive a paycheck. As mentioned, you can borrow up to $100 per day from your earnings. One of the best points of Earnin is its user friendliness. There is no credit check involved and no hidden fees. Plus, a no-interest period makes borrowing cash low-cost. Earnin will keep a tally of what you’ve borrowed and withdraw the funds to repay the loan on your next paycheck.

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2. Dave

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

There is a $1 monthly membership fee when you bank with Dave. However, there are no other charges, 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 scheduled. If you’re questioning whether opening an account with Dave is worth it, the fact that you could borrow up to $500 quickly with no interest or fees could be a big selling point.

3. Brigit

Brigit can give you a cash advance with no credit check or fees for up to $250. There’s a monthly membership fee of $9.99 to borrow from Brigit, but it may be worth the expense if you tend to request 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 in a Credit Builder deposit account. You’ll need to choose a monthly repayment amount between $1 to $24 for 12-month loans and $1 to $50 for a 24-month loan. Brigit will report your payment history to the credit bureaus, helping you boost your credit score when you make your loan payments on time.

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4. Payactiv

Payactiv is one of the largest payroll advance services available. Over 1,500 employers including Walmart and Uber offer employees access to Payactiv. Each employer will determine how much they’ll allow an employee to borrow from 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 from your future paycheck, the funds can be deposited to 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 paycheck.

5. Chime

Chime is a financial alternative for anyone who is unable or unwilling to open a checking account at a traditional bank. After applying for a Chime account, you’ll receive two accounts — a Spend account to pay bills from, which is similar to a checking account, and a Save account.

All financial tasks are done through the Chime app. While using Chime, you may receive a push notification inviting you to get a Chime Instant Loan. Chime loans start at $100, depending on the amount of the direct deposits you receive and your activity. 

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Chime loans must be repaid in three monthly installments. When you take a Chime Instant Loan, you’ll pay a fee of $5 for $100. Once you pay off a loan, you may receive another loan offer as a notification through the app. Over time, Chime could offer you a larger loan amount.

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

6. MoneyLion

MoneyLion offers no-interest and no-credit-check cash advances for up to $250. Best of all, the funds are available in minutes. The main eligibility requirements to get a MoneyLion loan include having a checking account that’s been open for at least two months and consistent banking activity with regular deposits.

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

7. Albert

You can borrow up to $250 when you’re in a pinch for free from Albert. There are no late fees or interest charged when you borrow money. To qualify, you’ll need to receive a regular paycheck. The funds you need are borrowed against 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 keep repaying your Albert cash advances, you’re eligible for up to three cash advances per paycheck period.

Takeaway

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

FAQ

  • What app can I borrow $100 from?
    • There are several $100 loan instant apps that you can choose from to borrow a small amount of cash fast. This guide reviews the top options such as Chime, Dave and more.
  • What apps lend you money instantly?
    • If you're in search of a small amount of money, there are $100 instant loan apps such as Brigit, Dave and Earnin that make it possible to borrow cash quickly. Best of all, you can continue to borrow money instantly over and over as long as you repay your loan.
  • What app will lend me $20?
    • This guide reviews the best $100 instant loan apps that make it simple to borrow a small amount of money quickly. You could borrow as much as $100 to $250 with minimal effort.

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

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About the Author

Cynthia Paez Bowman is a personal finance writer with degrees from American University in international business and journalism. Besides writing about personal finance, she writes about real estate, interior design and architecture. Her work has been featured in MSN, Brex, Freshome, MyMove, Emirates’ Open Skies magazine and more.
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