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Best $100 Instant Loan Apps With No Credit Check

When unexpected expenses hit or you run short of cash before payday, waiting days for a traditional loan isn’t an option. That’s where instant loan apps come in—designed to give you quick access to money, often without requiring a credit check.

These platforms allow you to borrow $100 or more instantly, with fast payout options, transparent fees, and direct transfers to your bank account or digital wallets like PayPal, Cash App, or Venmo.

Below is a breakdown of some of the most reliable $100 loan instant apps available in the U.S.

Earnin – Access Your Pay Before Payday

Loan Amount: Up to $150 per day (up to $750 per pay period)
Funding Speed: Free 1–3 business days or instant with a small fee
Credit Check: None
Costs: Optional tip; $3.99–$8 for instant transfer
Payout Method: Bank account, PayPal, Venmo, or Cash App

Earnin lets you withdraw part of your paycheck before payday. There’s no interest or mandatory fees, and repayment is automatically deducted from your paycheck. If you need funds quickly, you can opt for instant transfer at a small cost.

Dave ExtraCash – Borrow Up to $500 Instantly

Loan Amount: Up to $500
Funding Speed: Instantly to Dave account or 2–3 days to other banks
Credit Check: None
Costs: $0–$5 monthly membership; 5% instant transfer fee; optional tips
Payout Method: Dave debit card or linked bank account

Dave is a popular choice for small cash advances. You can get funds instantly into your Dave spending account or transfer to your bank. The app also offers budgeting tools to help you avoid overdrafts.

Brigit – Cash Advances Plus Budgeting Tools

Loan Amount: Up to $250
Funding Speed: 1–2 business days (free) or instant with premium plan
Credit Check: None
Costs: $8.99–$14.99/month subscription
Payout Method: Linked checking account

Brigit offers more than just quick loans—it also helps you budget and avoid overdraft fees. To access cash advances, you’ll need a subscription plan. Premium members get instant transfers at no extra cost.

MoneyLion Instacash – Up to $1,000 with RoarMoney

Loan Amount: $10–$500 (up to $1,000 for RoarMoney users)
Funding Speed: 1–5 business days; faster with usage history
Credit Check: None
Costs: No interest; optional turbo fee (~$8.99)
Payout Method: MoneyLion debit card or bank account

MoneyLion stands out by offering up to $1,000 with a RoarMoney account. Regular users often receive cash faster, and turbo fees are optional if you want same-day delivery.

Varo Advance – Flat Fee Cash Advance

Loan Amount: $20–$500
Funding Speed: Instant to Varo account
Credit Check: None
Costs: Flat fee (~$10 per $100 borrowed)
Payout Method: Varo account (transferable to PayPal or Cash App)

Varo is a digital bank offering instant advances for customers with direct deposit. There’s no interest, just a flat fee depending on the loan size, making repayment simple and predictable.

Albert – Flexible Instant Cash Advance

Loan Amount: $25–$500
Funding Speed: Instant to Albert Cash; transfers to external banks cost $5.99–$19.99
Credit Check: None
Costs: No interest; optional instant transfer fee
Payout Method: Albert Cash or linked bank account

Albert provides instant access to cash with no subscription requirement. Funds can be deposited into your Albert Cash account for free or sent to another bank account with a transfer fee.

Empower – Cash Advance Within Minutes

Loan Amount: $10–$400
Funding Speed: 98% of transfers arrive within 15 minutes
Credit Check: None
Costs: Free 14-day trial, then $8/month membership
Payout Method: Linked bank account

Empower gives you up to $400 in minutes. While the app requires a subscription after the free trial, its speed and ease of use make it a strong option for emergency borrowing.

When you’re short on cash, these instant loan apps can provide quick relief without lengthy credit checks. Most apps deposit directly to your bank or digital wallet, giving you flexibility in how you access funds.

Tips for borrowers: