5 Best $100 Instant Loan App for 2022

Are you sick of having to wait for payday? Do you wish you could get access to some money before your next paycheck arrives? Don’t worry-we’ve got a full list of $100 Instant Loan App that will give you access to instant cash!

Table of Content

Best Instant Money Apps to Get a $100 Loan

These cash advance apps can help you get paid today if you need instant money. These free mobile apps are available in the App Store and Google Play Store – so you can borrow money online and get $100 instantly. Alternatively, you can make more money by using Cashback Apps and referring them to your friends and family.


Chime Bank to get $100 Instant Loan App
Chime Bank

In 2019, traditional banks collected $11 billion in overdraft fees. When it comes to Chime, they do things differently. Rather than charging you an overdraft fee, they allow you to overdraw up to $200 without incurring any. When you don’t have any money but need to buy something, Chime SpotMe can still cover your fees. So when you don’t have any money but need to buy something, Chime SpotMe can still cover you. All you need to do is sign up for Chime and use your card when you make any purchases. This is an easy way to avoid paying extra fees or interest by not using a $50 instant loan app.


Empower is an app designed for today’s generation that needs money fast; if you are looking for the best $50 loan instant app., they’ll help you thrive, No matter what lies ahead. You can get a cash advance of up to $250 and save for your future by downloading the app.

You can get a cash advance of up to $250 and save for your future by downloading the app. You can get a $100 loan without an application, without interest or late fees, without a credit check or credit risk. When you receive your next direct deposit, you automatically pay them back. There’s no catch. It’s that simple.


Albert is a new alternative to payday loans. Albert is a small-dollar loan provider that offers loans of $100-$1000.

It’s an alternative to payday loans, with no hidden fees, flexible repayment options, and transparent pricing.


Earnin allows you to access up to $100 per day from your pay without interest or hidden fees. You will not be charged any fees or interest with Earnin. To support the service, you can choose what you want to pay. The American financial system typically operates in a very different way.


Still, wondering where you can borrow $100? Brigit is another app that can help anyone get a $100 loan instantly. Download the free app on iOS or Android to join 1 million members getting paid up to $250, budgeting, and saving smarter. It only takes two minutes—no credit check. No interest.


The MoneyLion bank gives you more, a lot more, so you can get paid today. With Instacash, you can get $250 at any time with no interest. Plus, you can get your paycheck up to two days early with RoarMoney, plus easy ways to borrow, save, invest and earn with 0% APR cash advances up to $250 all in one app. MoneyLion can help you get a $50 cash advance.


Using Cleo Plus, you can get a salary advance to avoid excessive overdraft fees and the scary-expensive world of payday loans. 

To help you stay out of overdraft, Cleo can give you a no-interest advance of up to $100. won with the free option, you have access to Cleo’s budgeting tool and digital wallet and a weekly quiz with chances to earn cash rewards, but you cannot receive salary advances. Pay Cleo back when you reach your repayment date – anywhere between 3 and 28 days. Cleo Plus costs $5.99 per month and won’t affect your credit score.


Branch is a free online personal loan platform that provides users with solutions for unexpected financial needs. It can help you get a cash advance, a home improvement loan, or any other personal loan you need. Apps like Branch provide a mobile digital wallet for Americans who work. This app offers employees an on-demand hub to manage their cash flow, get a payroll advance, and spend anywhere – all from their smartphone – to help them meet their everyday financial needs.

Branch does not require a credit check or collateral to apply for loans—so you can get your money fast without having to wait for approval from traditional lenders. Personal loans from Branch are also known as unsecured loans because they don’t require collateral; you only have to provide proof of income and state residency. There are no prepayment penalties and an origination fee of only 0%.

Branch offers all its customers transparent pricing without any hidden fees or annual charges associated with taking out loans through our platform.


Dave is an app that prides itself on being a banking app for humans. Your financial mind will be at ease with this banking app. You can get paid up to two days early, build your credit history, and get up to $100 in advances without paying a fee. 7 million members and counting consider Dave one of the top reliable cash advance apps.


Using apps such as DailyPay, you can earn money today while you work. Employees have access to their pay when they need it and in between paydays. However, these apps differ from cash advance apps in that employers must sign up and offer DailyPay as a benefit.


Nevertheless, this is another app that employers must offer to their employees. PayActiv gives workers a comprehensive solution to access cash, pay bills, get around, and prepare for the future. With on-demand access to the money you’ve already earned, you can avoid late fees, overdraft fees, and high-interest loans. Get paid today and withdraw the greater of $500 or 50% of your earned wages.


Another employee-sponsored platform is FlexWage, where you can get paid today if your employer offers it. You can access your paycheck through a reloadable card tied to your wages if they offer it. You will be charged a fee if your employer offers this service.

$100 loan instant app no credit check

Review of using $100 Instant Loan App

Cash advance apps are indeed useful for covering emergency expenses. However, there are some risks involved with using them.

Pros of using $100 Instant Loan App:

  1. Before the next paycheck, consumers can easily access funds to cover emergency expenses.
  2. A cash advance app costs much less – or none at all than a payday loan.
  3. Many apps come with budgeting tools, such as Dave’s Yours to Spend feature.
  4. Using a cash advance app, you can avoid overdraft fees by funding your account before it goes overdrawn. Some of the apps automatically cover overdrafts.

Cons of using $100 Instant Loan App:

  1. Cash advances can put users in debt if they can’t pay back the loan with their next paycheck.
  2. Since the advance funds don’t necessarily have to be used in emergencies, the apps may encourage bad spending habits.
  3. Despite the lower fees, some apps still charge fees, even if those fees are lower than payday loans.
  4. By signing up for a cash advance app, you share your data and potentially put it at risk. According to PaymentsJournal’s investigation, 70 percent of the top financial apps do not adequately protect users’ private information.

Alternatives to cash advance apps

Compare your options before taking out a loan from an app. There may be a cheaper alternative that can help you improve your finances, credit or both.

  • Small personal loans: You might qualify for a small personal loan from an online lender. Some lenders specialize in loans for people with bad credit. Often, these loans have APRs below 36%, which many financial experts say is the highest rate for an affordable loan.
  • Credit union loans: You may qualify for a small personal loan with a rate of 18% or lower if you’re a member of a credit union. Credit unions sometimes offer personal loans for $500, and while they may review your credit history to qualify you, they will consider your credit union membership when deciding a loan amount. The alternative payday loan is a small-dollar loan with low-interest rates that you repay over a few months to a year at some credit unions.
  • Other ways to make money: Instead of borrowing money, you may be able to earn some extra money. Consider becoming a rideshare driver, conducting online surveys, or babysitting. You can find a side job you enjoy enough to keep as an additional income stream as an alternative to an emergency expense.
  • Friend and family loans: Having to ask for money is never a pleasant experience, but it might be your best option if you need it. Borrowing from a friend or family member you trust can help you get the money you need without any red tape or risk to your finances. You can prepare a contract that details repayment terms and interest if necessary.


Especially for low-income populations, the days between paychecks can seem like obstacles. Cash advance apps can provide some extra assistance for emergency expenses, but you should pair them with building an emergency fund. This way, you will have short-term coverage via the app if needed and practice better-saving habits.

Frequently asked questions

Where can i borrow $100 instantly?

I will strongly suggest to Chime for best offer but You can use any bank from our suggested list.

Which app gives you a loan instantly?

Apps offering cash advances typically claim they can provide you with money within a day or two, but you can also pay fees to receive it faster.

MoneyLion usually takes one to five business days to deposit money into your account, but you can pay a fee of $0.99 to $7.99 to access the funds within minutes or hours.

The standard advance from Dave takes one to three days, but for an express fee between $1.99 and $5.99, you can get your money within eight hours.

Are loan apps safe?

When using loan apps, it’s best to use them for one-time emergencies since fees can add up, and they might encourage repeat borrowing. Consider alternatives first if you are having trouble paying for regular expenses.

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