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A $100 cash advance app can send you $100 early and takes it back from your next paycheck.
None of the seven apps below run a credit check or charge interest.
Fast isn’t free. Some charge a monthly membership, and getting $100 instantly costs a fee. Free delivery takes one to five days.
The other catch is your first advance. Grant averages about $66 and Cleo starts you at $20 to $100. Current sends nothing until a $200+ paycheck lands there.
MoneyLion and Tilt get closest to a full $100 on day one. Both deliver in minutes for a fee. EarnIn averages $85 a day for new users.
Expert tipsHow to pay less for a $100 advance
Check the instant feeRushing $100 costs $5.99 at EarnIn and $6.99 or $8.99 at MoneyLion.
Skip the membershipBorrowing once? EarnIn, Current and MoneyLioncharge nothing monthly. Memberships elsewhere run $5.99 to $15.99 a month.
Use the free trialTilt gives 14 days free. Cancel or pay $8 a month. It skips CT, ME and DC.
Top $100 Cash Advance Apps
Here are the seven apps. Tap one to see what a new user gets, the monthly fee and how fast cash arrives.
EarnIn lets you cash out pay you have already earned, up to $200 a day in most states, so a $100 request fits under the top daily cap and costs nothing unless you want it in minutes.
No credit check0% interestNever reported to bureaus
1
Connect the account your paycheck lands in
2
EarnIn confirms earnings by work email or location
3
Take up to $200 a day, repaid automatically on payday
Want the fine print? Fees, speed, and what you really get
Take it if
You get paid on a set schedule and want $100 today without ever paying a membership. Wait one to three days and it is free; pay $5.99 and it lands within 30 minutes.
Skip it if
You have no regular direct deposit schedule. EarnIn needs one, plus a work email or work location, before it fronts a dollar.
Fees
Nothing required. There is no membership and the standard transfer is free. Lightning Speed is $5.99 on $100 ($3.99 on $75 or less), and tipping is optional, so leave it at $0 if money is tight.
How fast
Within 30 minutes with Lightning Speed. The free option takes one to three business days depending on your bank.
What you get right away
The daily cap is $200 in most states and the pay-period cap is $1,000, but EarnIn says new users average an $85 daily limit. So $100 in one cash out on day one is possible, not typical.
Is it legit
Yes. There is no credit pull, no interest, and nothing goes to the bureaus. The only thing that can stop you is EarnIn failing to verify your hours, not safety.
Also includes
Balance Shield overdraft alertsTip Yourself savingsEarnIn CardCash Back Rewards
If this fits you
Start with EarnIn if you want $100 with no membership
No membership. $100 lands free in 1 to 3 days, or within 30 minutes for $5.99.
Current is a checking account with a built-in advance of up to $1,000 and no required fees, but it fronts nothing until a $200 or larger payroll deposit has hit the account.
No credit check0% interestNon-recourse, no collections
1
Open a Current account
2
Route a $200+ payroll deposit into it
3
Advance up to $1,000, debited when your next check lands
Want the fine print? Fees, speed, and what you really get
Take it if
You are open to opening a new checking account and moving your direct deposit into it. Once that first paycheck lands, $100 is well inside the limit and it costs nothing.
Skip it if
You need $100 today, before payday, or you cannot move a $200-plus payroll deposit. Also skip it in CT, MD, NV, WI or DC, where Paycheck Advance is not offered.
Fees
No membership and no charge for the advance itself. Standard delivery is free. If you want it instantly, Current shows a small fee in the app before you confirm.
How fast
Instant delivery is usually minutes. The free route takes about three business days. Neither starts until your first payroll deposit has cleared.
What you get right away
Nothing on day one. After a qualifying deposit, the first advance is usually far below the $1,000 ceiling, and the limit climbs as Current sees regular pay come in.
Is it legit
Yes. No credit check, no interest, and Current’s terms say an unpaid balance does not go to collections. Not offered in CT, MD, NV, WI or DC.
Also includes
Get paid up to 2 days earlyFee-free overdraft with OverdriveSavings pods with interest40,000+ fee-free ATMs
If this fits you
Start with Current if your next paycheck can land there
No required fee up to $1,000, but the advance only unlocks after a $200+ payroll deposit arrives.
Best if you can live with less than $100 at first.
Grant fronts money against your next deposit with no interest or late fees. Inside the app you will be pushed into the $9.99 a month Grant Plus plan; the free route is to email support and ask for an advance without subscribing.
No credit checkNo interestNo late fees
1
Link the account your pay lands in
2
Request an advance and pick free or express
3
Grant debits it when it sees your next deposit
Want the fine print? Fees, speed, and what you really get
Take it if
You are fine paying $9.99 a month for the in-app experience, or you can email support and ask for an advance without the plan.
Skip it if
You need cash today and refuse to pay a subscription. The free email route is in Grant’s terms, but Grant gives no timing for it.
Fees
Standard delivery is free and express costs $2 to $21 depending on the amount. Grant Plus is $9.99 a month. Grant’s terms say Plus is optional, and you can get an advance without it by emailing support@grantcash.com. Grant’s app listing says Plus adds bill and spending tools.
How fast
Free standard delivery lands in about three business days. Express is roughly an hour and costs $2 to $21 depending on the amount.
What you get right away
Grant advertises $25 to $500, but it also says the average first advance is about $66. Plan on less than $100 the first time, with the limit rising after a few on-time repayments.
Is it legit
Yes. No credit check, no interest, no late fees, and the agreement says an unpaid advance is not sent to collections or the credit bureaus.
Also includes
Bill trackingPlay games for cashLoan and card marketplaceRent Assist
If this fits you
Start with Grant if you can accept the $9.99 Plus plan or wait a day for the free route
Most first advances are about $66. Free in 3 days, or $2 to $21 to get it within the hour.
Best if you want a budgeting coach with the advance.
Cleo is an AI budgeting app first. Its $20 to $250 advance comes with a paid plan, and first-timers land somewhere between $20 and $100.
No credit check0% interestCancel any time
1
Subscribe to Plus, Pro or Builder
2
Connect your bank
3
Advance $20 to $250 based on your account activity
Want the fine print? Fees, speed, and what you really get
Take it if
You will actually use the chat-based budgeting and the spending roasts, and you are fine paying a monthly plan to unlock an advance that may start below $100.
Skip it if
You just want $100 once. A $5.99 to $14.99 plan on top of a $20 to $100 first advance is an expensive way to borrow a small amount twice a year.
Fees
Plus is $5.99 a month, Pro is $8.99 and Builder is $14.99. A plan is the simplest way to borrow, but you can also ask by email without one. Same-day express delivery adds $4.49 to $14.99 depending on how much you take.
How fast
Express is same day for $4.49 to $14.99. The free transfer takes 3 to 4 days.
What you get right away
First advances run $20 to $100, so $100 is the best case for a new user. The cap grows to $250 on Plus and Pro ($500 on Builder), and Cleo limits you to $170 a day.
Is it legit
Yes, but do the math before you sign up. The membership is the real cost, and if you borrow rarely it will outrun the advance.
Also includes
AI budgeting chatSpending roasts and hypeCredit builder card on BuilderBill negotiation
If this fits you
Start with Cleo if you want the coach and a $100 first advance is enough
Plans run $5.99 to $14.99 a month. New users get $20 to $100 to start.
MoneyLion Instacash hands out advances of up to $100 per request with no subscription. Your total limit can grow to $1,000, but each request is capped at $100.
No credit check0% interestNo subscription for Instacash
1
Connect your bank
2
MoneyLion sets your limit from deposit history
3
Request up to $100 at a time, repaid next payday
Want the fine print? Fees, speed, and what you really get
Take it if
You want $100, not more, with no monthly plan and a free delivery option. The per-request size is a feature here, not a limitation.
Skip it if
You need several hundred at once. That means multiple requests, and if you want them fast, a Turbo fee on every one.
Fees
No membership for Instacash. Standard delivery is free. Turbo delivery runs $0.49 to $8.99 depending on the amount and whether it goes to a MoneyLion account or an outside bank.
How fast
Turbo is near instant. Free delivery is one to two business days into a MoneyLion account, or two to five days to another bank.
What you get right away
Up to $100 per request, based on your deposit history. Your overall limit may read $500 or $1,000, but you draw it $100 at a time.
Is it legit
Yes, and there is no credit check. Worth knowing MoneyLion settled a CFPB case in November 2025 over its old membership program, and the New York Attorney General sued it over Instacash fees in April 2025.
Also includes
MoneyLion Spend checkingCredit Builder Plus loanManaged and active investingPersonal loan marketplace
If this fits you
Start with Instacash if you want $100 with no subscription
Up to $100 per request. Free in 1 to 5 days, or $0.49 to $8.99 to get it now.
Brigit tracks your balance and can send an advance on its own when it predicts an overdraft, on plans that run $8.99 to $15.99 a month.
No credit check0% interestCancel any time
1
Subscribe to Plus or Premium
2
Link your bank
3
Optional auto advances can land before you overdraft
Want the fine print? Fees, speed, and what you really get
Take it if
You overdraft often and would rather have Brigit move $100 into your account automatically than remember to ask for it.
Skip it if
You need $100 once or twice a year. The membership bills every month whether you borrow or not, so an occasional advance costs far more than it looks.
Fees
Plus is $8.99 a month and Premium is $15.99. Brigit’s terms also allow an advance without a plan if you ask by email. Express is free on Premium, and the Plus fee is not published, so check the app.
How fast
Express delivery is about 20 minutes. The free option takes two to three business days.
What you get right away
Between $25 and $500. Brigit puts its average advance at $73, so plan on less than $100 at first.
Is it legit
Yes. No credit check, no interest, and nothing is reported. The price is the membership, not the advance.
Also includes
Auto Advances before overdraftCredit Builder on PremiumIdentity theft protectionBudgeting and bill alerts
If this fits you
Start with Brigit if you want the advance to arrive before the overdraft
Plus is $8.99 and Premium $15.99 a month. Optional auto advances can land before you go negative.
Tilt (formerly Empower) offers $10 to $500 inside an $8 a month subscription, and its own numbers put the average first offer at $96, about as close to $100 as any app gets.
No credit check0% interestCancel any time
1
Link your bank and start the 14-day trial
2
Tilt reads your income and spending and offers an amount
3
Repaid automatically on your next payday
Want the fine print? Fees, speed, and what you really get
Take it if
You want roughly $100 on your first request and can decide during the 14-day free trial whether the subscription earns its keep.
Skip it if
You only need this once and will forget to cancel. After the trial, $8 a month adds up to $96 a year for an advance you may never repeat.
Fees
$8 a month once the 14-day trial ends. The advance carries no interest and no fee of its own. Instant delivery costs a fee that rises with the amount.
How fast
Free delivery takes about one business day. Instant delivery is minutes for a fee.
What you get right away
Tilt reported a $96 average first offer, $178 for returning customers, and said more than 75% of new subscribers qualify at signup. That makes it the most likely app here to put a full $100 in a new user account.
Is it legit
Yes. No credit check, no interest, and it is the same company as Empower under a new name since August 2025. Not offered in CT, ME or DC.
Also includes
Budgeting toolsAutomatic savingsCredit building products
If this fits you
Start the free trial if you want about $100 today
Cancel inside 14 days and it costs nothing. Advances run $10 to $500 with a $96 average first offer.
Six checks separate an app that gets you $100 today from one that quotes a big ceiling and opens you at $25.
First-request size. A $500 ceiling means little if first advances average well under $100. Tilt ($96 average) and MoneyLion (up to $100 per request) get closest to a full $100 on day one.
Free delivery time. About one day at Tilt, one to five at MoneyLion, up to three at EarnIn and Current. If you can wait, pay nothing.
Instant fee. $5 to $9 is what the apps that publish a $100 price charge to rush it. Much more than that and waiting is the better deal.
Subscription or not.EarnIn, MoneyLion Instacash and Current charge nothing monthly. Cleo, Brigit and Tilt do, and Grant steers you toward Plus.
Bank compatibility. Chime and Varo users should confirm the app links to their account before signing up.
Repayment date. The debit hits on payday. Make sure $100 plus any fee will still be there.
$100 Cash Advance FAQs
Which app gives a $100 advance to new users?
The closest to a sure $100 on day one are Tilt, which reports a $96 average first offer and says more than 75% of new subscribers qualify at signup, and MoneyLion Instacash, which allows requests of up to $100 with no subscription. EarnIn can cash out up to $200 a day in most states, though new users average an $85 daily limit. Grant averages about $66 on a first advance and Cleo starts new users at $20 to $100, so plan on less than $100 the first time with those two.
How fast can I get $100?
Within about an hour on most of these apps if you pay the express fee: $5.99 on EarnIn, $6.99 or $8.99 on MoneyLion, $2 to $21 on Grant, and roughly 20 minutes on Brigit. Free delivery takes about a business day on Tilt, one to five days on MoneyLion, and one to three days on EarnIn, Current and Grant.
Is a $100 cash advance free?
It can be. EarnIn, MoneyLion Instacash and Current Paycheck Advance charge no subscription and no fee for standard delivery, so a $100 advance you can wait a few days for costs nothing. You pay when you want it instantly, or when the app steers you into a membership, which is the case with Cleo, Brigit and, in practice, Grant.
What if my bank is Chime?
EarnIn, Cleo, MoneyLion and Tilt may link to a Chime account, so check in each app first. EarnIn says it supports only a small test group of Chime users. Current is its own checking account, so you would open it alongside Chime rather than connect the two. Our guide to cash advance apps that work with Chime walks through the setup for each.
Can I get $100 with no credit check?
Yes. None of the seven apps here run a credit inquiry. EarnIn, Current, Grant, Cleo, Brigit, MoneyLion and Tilt all decide based on your bank activity and income. EarnIn, Current, Grant and Tilt also say the advance is not reported to the credit bureaus.
A $100 Cash Advance Is a Bridge, Not a Habit
Used once, a $100 cash advance is one of the cheapest ways to get through a short gap. On a no-membership app, wait for the free transfer and it costs nothing; rush it and it costs less than a single overdraft fee. Pick the app that approves new users for the amount you need, not the one with the biggest number on its homepage.
If you find yourself asking for $100 every pay period, the advance has stopped being a bridge. Each app debits the full amount on payday, so a repeat advance just moves the same hole forward two weeks. Fix the shortfall behind it, and keep the app for genuine surprises.
This article is general information. Cash advance apps change their limits, fees and state coverage often, so confirm the current details in each app or on its own site before you borrow.
Brian Meiggs founded My Millennial Guide and has spent over a decade writing about money. He tries every app and product before it goes on the site. No fluff, no guesswork. Named to the Northern Virginia 40 Under 40 earlier this year, and featured in WSJ, Business Insider, and Entrepreneur. Off the clock: chess, the gym, a quiet night in.
EarnInUp to $200 a day, but new users average $85.No required fees · up to $1,0002
Current$100 only after your paycheck lands there.up to $1,0003
GrantPlan on about $66 the first time.up to $5004
Cleo$20 to $100 to start. Plans from $5.99.up to $5005
MoneyLionNo membership. Cash in minutes for $0.49 to $8.99.$100 a request6
BrigitAdvances average $73. Plans from $8.99 a month.up to $5007
TiltFirst offers average $96. Free trial, then $8 a month.up to $500
