$100 Loan Instant App (No Credit Check Apps)

A $100 loan instant app sends you a cash advance before payday and takes it back from your next paycheck.

None of the seven apps below charge interest or run a credit check.

Speed isn’t free. Instant delivery costs a fee, and some apps charge monthly.

The other catch is your first advance. It can be under $100. Grant averages about $66 and Tilt about $96.

Need the full $100 today? MoneyLion sends up to $100 per request. EarnIn allows up to $200 a day and $1,000 per pay period¹, but new users average $85.

Top $100 Loan Instant Apps

None of these seven $100 cash advance apps run a credit check. Here is how each one stacks up, starting with what you get and what you pay. Tap one to jump to it.

1EarnInUp to $200 a day and $1,000 a pay period¹. New users average $85.No required fees · up to $1,0002CurrentNeeds a $200+ paycheck sent there.up to $1,0003GrantFirst advances average about $66.up to $5004CleoFirst-timers get $20 to $100.up to $5005MoneyLionNo subscription. Instant delivery costs $0.49 to $8.99.$100 a request6BrigitAdvances average $73. Plans from $8.99 a month.up to $5007TiltFirst offers average $96. Free 14-day trial.up to $500

¹ EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit Earnin.com for full details.

What Is a $100 Loan Instant App?

A $100 loan instant app is not a loan. It is a cash advance on pay you have already earned. No credit check and no interest, and most of these apps say nothing is reported to the credit bureaus. Current and Grant even say in their own contracts that you have no obligation to repay, which means no collections.

That is the difference from a payday loan. A payday loan charges interest that can run into the hundreds of percent APR, and a missed payment brings late fees, collections calls and credit damage. A cash advance app charges a delivery fee only if you want the money fast, and if your pay is late it pauses your account instead of chasing you.

What it costs: nothing if you can wait one to five business days for the free transfer. Instant delivery costs a fee that usually rises with the amount, and some apps add a monthly subscription. Even a $2 fee on a two-week $100 advance is a real cost, so check what each app charges before you tap advance.

1. EarnIn

Up to $200 a day. New users average $85.

4.5

Max advance$1,000a pay period, $200 a day¹

Monthly fee$0tips optional

Cash in hand~30 minfor $3.99 to $8.99², or free in 1 to 3 days

Get started →

No subscription, ever

Best if you never want to pay a monthly fee.

EarnIn advances pay you have already earned, up to $200 a day, with no subscription and no required fees.

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 want a $1,000 limit with zero required fees, and you can wait one to three days or pay $5.99 to get $100 within 30 minutes².

Skip it if

Your pay is irregular. EarnIn needs a consistent direct deposit schedule, so without one there is no advance.

Fees

No subscription and no monthly fee. Standard transfers are free. Lightning Speed costs $3.99 to $8.99 by amount ($5.99 for $100). Tips are optional and you can leave them at zero.

How fast

Free transfers land in one to three business days. Lightning Speed arrives within 30 minutes.

What you get right away

Up to $1,000 a pay period, but capped at $200 a day. New users usually start well below the maximum and the limit grows as EarnIn sees your pay history.

Is it legit

Yes. No credit check and no interest, and most of these apps say nothing is reported to the credit bureaus. The real hurdle is approval, not safety.

Also includes

Balance Shield overdraft alertsTip Yourself savingsEarnIn CardCash Back Rewards

If this fits you

Start with EarnIn if you are paid on a schedule

Free to use. Standard transfers take 1 to 3 days, or $5.99 to get $100 within 30 minutes.

Start with EarnIn →Read our full review first

¹ EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit Earnin.com for full details.
² Expedited transfers available for a fee. Visit Earnin.com for full details.

2. Current

Needs a $200+ paycheck sent there.

5

Max advance$1,000grows over time

Monthly fee$0no subscription

Cash in handMinutesfor a small fee, or free in 3 days

Open an account →

No credit check

Best if you are open to a new checking account.

Current pairs a fee-free advance of up to $1,000 with a checking account that can pay you up to two days early.

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 want a fee-free advance bundled with a real checking account that also pays you up to two days early.

Skip it if

You will not move a $200 or larger payroll deposit, or you live in CT, MD, NV, WI or DC, where Paycheck Advance is not offered.

Fees

No subscription and no monthly fee. Standard delivery is free. Instant delivery costs a fee shown in the app before you accept it.

How fast

Free delivery takes about three business days. Instant is usually minutes, sometimes up to an hour.

What you get right away

Up to $1,000, but your first advance is often much less. The ceiling only applies once Current has seen a steady deposit history.

Is it legit

Yes. No credit check and no credit impact. Current’s terms say it will not send an unpaid balance to collections. Not available 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 you will move your direct deposit

No fee unless you want it instantly. The advance unlocks once a $200+ payroll deposit lands in the account.

Start with Current →Read our full review first

3. Grant

First advances average about $66.

4

Max advance$500avg first ~$66

Monthly fee$9.99Grant Plus, or free by email

Cash in hand~1 hourfor $2 to $21, or free in 3 days

Check your limit →

Standard delivery is free

Best if you want a straight answer on day one.

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 delivery takes about three business days. Express arrives in roughly an hour.

What you get right away

$25 to $500 on paper, but Grant says the average first advance is about $66 and only a small share of repeat users ever reach $500.

Is it legit

Yes. No credit check, no interest, no late fees, and the agreement says nothing goes 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.

Start with Grant →Read our full review first

4. Cleo

First-timers get $20 to $100.

4

Max advance$250$500 on Builder plan

Monthly fee$5.99+up to $14.99 a month

Cash in handSame dayfor $4.49 to $14.99, or free in 3 to 4 days

Try Cleo →

Plans from $5.99 a month

Best if you will actually use the budgeting coach.

Cleo is a budgeting app with an AI assistant. The $20 to $250 advance is a perk of the paid membership, not the main event.

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 want an AI money coach that roasts your spending, and a small advance on top is a bonus.

Skip it if

You only want to borrow. A $5.99 to $14.99 membership costs more than a $20 to $100 first advance is worth if you borrow twice a year.

Fees

Cleo Plus is $5.99 a month, Pro $8.99 and Builder $14.99. A plan is the simplest way to borrow, but you can also ask by email without one. Same-day express costs $4.49 to $14.99 depending on the amount.

How fast

Standard delivery takes 3 to 4 days. Express payout is same day for $4.49 to $14.99.

What you get right away

$20 to $250, and first-timers get $20 to $100. Cleo also caps you at $170 a day. On Plus and Pro this is the smallest ceiling on the list. Builder goes to $500.

Is it legit

Yes, but price it honestly. If you borrow twice a year the subscription costs more than the advance is worth.

Also includes

AI budgeting chatSpending roasts and hypeCredit builder card on BuilderBill negotiation

If this fits you

Start with Cleo if you want the budgeting coach too

Plans run $5.99 to $14.99 a month. First advances are $20 to $100.

Start with Cleo →Read our full review first

5. MoneyLion

No subscription. Instant delivery costs $0.49 to $8.99.

4.5

Per request$100 maxlimit up to $1,000

Monthly fee$0no subscription

Cash in handMinutesfor $0.49 to $8.99, or free in 1 to 5 days

Get Instacash →

No credit check

Best if you want no fees and can live with $100 at a time.

MoneyLion Instacash needs no subscription. Your total limit can reach $1,000, but each request caps 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 a large total limit with no subscription and free standard delivery.

Skip it if

You need $500 in one transfer. That is five separate requests, each with its own Turbo fee if you want it fast.

Fees

No subscription needed for Instacash. Standard delivery is free. Turbo delivery costs $0.49 to $8.99 depending on the amount and where it is going.

How fast

Free delivery takes one to two business days to a MoneyLion account and two to five days elsewhere. Turbo is near instant.

What you get right away

This is the one to understand. Your total limit may be $500, $700 or $1,000, but a single request caps at $100. Getting $500 means five separate requests, and a Turbo fee on each one if you want them fast.

Is it legit

Yes, and no credit check. Worth knowing that 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 no subscription matters most

Up to $100 per request. Free in 1 to 5 days, or $0.49 to $8.99 for Turbo.

Start with Instacash →Read our full review first

6. Brigit

Advances average $73. Plans from $8.99 a month.

4

Max advance$500starts at $25

Monthly fee$8.99+up to $15.99 a month

Cash in hand~20 minfor a fee, or free in 2 to 3 days

Get Brigit →

Plans from $8.99 a month

Best if you want the advance before you ask for it.

Brigit watches your balance and can push an advance automatically before you overdraft, in exchange for a monthly membership.

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 want Brigit to watch your balance and push cash automatically when it is about to go negative.

Skip it if

You borrow rarely. The $8.99 to $15.99 membership is charged every month whether or not you use it.

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.

How fast

Standard delivery takes two to three business days. Express is about 20 minutes.

What you get right away

$25 to $500. Brigit puts its average advance at $73.

Is it legit

Yes. No credit check and no interest. The cost is the monthly membership, which you pay whether or not you borrow that month.

Also includes

Auto Advances before overdraftCredit Builder on PremiumIdentity theft protectionBudgeting and bill alerts

If this fits you

Start with Brigit if you overdraft often

Plus is $8.99 and Premium $15.99 a month. Optional auto advances can land before you go negative.

Start with Brigit →Read our full review first

7. Tilt

First offers average $96. Free 14-day trial.

4.5

Max advance$500avg first $96

Monthly fee$814-day free trial

Cash in handMinutesfor a fee, or free in about a day

Get started →

14-day free trial

Best if you will borrow most months.

Tilt (formerly Empower) bundles a $10 to $500 advance into an $8 a month subscription, with a 14-day free trial to test it.

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 will use the advance most months, so the $8 pays for itself, and you want budgeting and credit building in one place.

Skip it if

You borrow once or twice a year. $96 a year in subscription fees to unlock a $96 advance is a bad trade.

Fees

$8 a month after a 14-day free trial. The advance itself has no interest and no fee. Instant delivery costs a fee that scales with the amount.

How fast

Standard delivery is free and takes about a business day. Instant delivery is minutes for a fee.

What you get right away

$10 to $500. Tilt reported a $96 average first offer and $178 for returning customers, and says more than 75% of new subscribers qualify at signup.

Is it legit

Yes. No credit check and no interest. It is the same company as Empower, renamed in August 2025. Not offered in CT, ME or DC.

Also includes

Budgeting toolsAutomatic savingsCredit building products

If this fits you

Start with the 14-day free trial

Cancel before day 14 and you pay nothing. Advances run $10 to $500 with no credit check.

Start the free trial →Read our full review first

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Key Features to Look for in Loan Apps

Six things decide whether a $100 loan app is worth it. Check them before you sign up.

• Fast approval. A decision in minutes, not days. Current is quick here.
• Fast funding. Free delivery usually takes 1 to 5 days. Cash Advance apps with same-day delivery cost a few dollars extra.
• Low or no fees. Know whether you are paying an express fee, a monthly membership, or both. Brigit and Cleo charge a membership, so the cost is the same whether you draw $50 or $250.
• Repayment on payday. The debit should land the day you get paid.
• No credit check. Current and Grant say credit plays no role in approval.
• Extras that matter to you. Budgeting tools, overdraft alerts or credit building. Grant Plus at $9.99 a month adds bill and spending tools and is not required for an advance.

$100 Loan Instant App FAQs

Borrow Responsibly with $100 Loan Instant Apps

A $100 loan instant app gets you through a short gap without payday loan interest or collections, but it is not free money. Free means waiting a few days; instant means a fee or a subscription. Before you tap advance, check what this advance costs you today, not the app’s advertised maximum.

Use these apps for a one-time gap. If you need an advance every pay period just to reach the next one, the fix is the budget behind the shortfall, not a faster $100.

All seven at a glance

App	Max advance	Monthly fee	Fastest funding	Best for	Get started
4.5	$1,000 a pay period ($200 a day)¹	$0	~1 hr for $3.99², free in 1 to 3 days	Best if you never want a monthly fee	Get started →Our review
5	$1,000	$0	Minutes for a fee, free in 3 days	Best overall with no credit check	Get started →Our review
4	$500 (avg first ~$66)	$9.99 Plus (free advance by email)	~1 hr for $2 to $21, free in 3 days	Best for a small first advance	Get started →Our review
4	$250 (first $20 to $100)	$1.99 to $14.99	Same day for $3.99 to $14.99, free in a few days	Best to cover bills	Get started →Our review
4.5	~$100 per request (limit to $1,000)	$0	Minutes for $0.49 to $8.99, free in 2 days	Best for no-subscription advances	Get started →Our review
4	$500	$8.99 to $15.99	~20 min for a fee, free in 2 to 3 days	Best for saving on overdraft fees	Get started →Our review
4.5	$500	$8 (14-day free trial)	Minutes for a fee, free in about a day	Best if you borrow most months	Get started →Our review

App	Max	Fee	Speed
4.5	$1,000/pay period, $200/day¹	$0	~1 hr for a fee², or free	Go →Review
5	$1,000	$0	Minutes	Go →Review
4	$500	$9.99*	~1 hr	Go →Review
4	$250	$1.99+	Same day	Go →Review
4.5	~$100	$0	Minutes	Go →Review
4	$500	$8.99+	~20 min	Go →Review
4.5	$500	$8	Minutes	Go →Review

*Grant: a free advance is available by emailing support.

¹ EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit Earnin.com for full details.
² Expedited transfers available for a fee. Visit Earnin.com for full details.

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