Need cash fast but don’t want to deal with payday loans or high-interest rates?
Sometimes, an unexpected expense pops up, and waiting for payday just isn’t an option. That’s where cash advance apps come in—giving you quick access to money you’ve already earned with no credit check, no hidden fees, and no hassle.
Whether you need to cover a bill, avoid overdraft fees, or just bridge the gap until your next paycheck, these $100 loan instant apps can help. Below, we’ve rounded up the best cash advance apps for 2025 that work for iOS and Android, so you can get the money you need—fast and stress-free.
Top $100 Loan Instant Apps
1. Current
Current is a solid option if you need a paycheck advance without the hassle. You can get up to $750 with no credit check, no monthly fees, and no minimum balance requirements.
If you set up direct deposit with Current, you can even get your paycheck up to two days early—basically getting paid before some of your co-workers.
Getting started is simple: open a free account, go to the services tab, and select “Paycheck Advance” to see if you qualify. If approved, you can access the funds quickly.
- No interest on cash advances
- Advances of up to $750 (based on eligibility)
- 100% free and no credit check
- Full mobile banking
Where to get it?
2. Albert
Albert is a great option if you need a little extra cash to make it to payday. You can get up to $250 with no credit check, no interest, and no hidden fees. If you have a paycheck and have repaid past advances, you can request up to three cash advances per pay period.
But Albert isn’t just about cash advances—it’s an all-in-one money app. You get a checking account with a debit card that earns cash back, a smart savings account that can automatically set money aside, and even investing options, whether you want to do it yourself or use their Robo-advisor.
One of its standout features is Genius, which lets you text with a certified financial expert anytime for just $6/month. Plus, you can try it free for 30 days when you sign up through this link.
- Borrow up to $250 with no interest
- Automatically sets money aside for savings
- Access budgeting tools and investing features in one place
- Text real financial experts for personalized advice
Where to get it?
3. Cleo
Cleo is an AI-powered money assistant that helps you budget, save, and track your spending—all through a fun, chat-based app. You can ask Cleo anything from “What's my balance?” to “Can I afford a coffee?”, and she'll break it down instantly with personalized insights and easy-to-read charts.
She can also automate your savings by setting money aside from your spare change, create a budget for you, and help you stay on track.
If you upgrade to Cleo Plus ($5.99/month) or Cleo Builder ($15.99/month), you can get a cash advance of up to $250—interest-free and with no credit check—to help avoid overdrafts. And if you're a gig worker, no worries—Cleo doesn’t require W2s or proof of employment.
- Get up to $250 without credit checks
- Chat with an AI that helps you budget and roast your spending
- Automatically tracks and breaks down your expenses
- Fun, no-pressure way to manage your money
Where to get it?
*First timers can usually qualify for $20 to $70 to start with. Once you pay it back you'll unlock higher amounts up to $250.
4. MoneyLion
MoneyLion is a feature-packed money app that gives you 0% APR cash advances, low-interest personal loans, and tools to help you track spending and savings—all without hidden fees or overdraft charges.
With over 2 million members, MoneyLion makes it easy to manage your money. You can open a free MoneyLion Core account, get a sleek black debit card in about a week, and fund your account with an instant transfer. If you set up direct deposit of $250 or more, you unlock instant 0% APR cash advances to help cover shortfalls.
For even more perks, MoneyLion Plus offers a 5.99% APR credit-builder loan, $1 daily cashback, and other exclusive benefits.
If high-interest loans have held you back, MoneyLion can help you take control of your finances and start building savings.
- Instantly access up to $500 with no interest
- Includes a RoarMoney checking account
- Build credit with low-risk credit builder loans
- Earn cashback on everyday purchases
Where to get it?
5. Brigit
Brigit is a simple, no-hassle app that gives you up to $250 instantly with no interest, no credit check, and no hidden fees—helping you avoid overdraft charges when your balance runs low.
If Brigit sees that your bank account doesn’t have enough for upcoming expenses, it will spot you up to $250 automatically so you’re covered. This can save you hundreds in overdraft fees over time.
Getting started is easy—just connect your bank account (Brigit works with 15,000+ banks, including Bank of America, Chase, Wells Fargo, and Navy Federal). No paperwork, no waiting—just quick cash when you need it.
Brigit is a great option if you tend to keep a low bank balance and want peace of mind knowing you won’t get hit with surprise fees.
- Get up to $250 automatically when your balance runs low
- Predictive alerts help you avoid overdrafts
- Includes credit monitoring and budgeting tools
- No interest or hidden fees
Where to get it?
$100 Cash Advance Apps Can Help
If you need quick cash before payday, a $100 cash advance app can be a lifesaver—helping you cover expenses, avoid overdraft fees, and get paid faster.
This article covers the best cash advance apps for iOS and Android in 2025, including:
- Current – Get up to $750 with no credit check or fees.
- Albert – Access up to $250 with no interest and enjoy smart budgeting tools.
- Cleo – A chat-based money assistant offering cash advances up to $250, great for gig workers.
- MoneyLion – A feature-packed app with 0% APR cash advances and low-interest loans.
- Brigit – Instantly get up to $250 to prevent overdrafts, with no hidden fees.
These apps offer fast, hassle-free cash advances with no credit checks and low or no fees, making them a great alternative to payday loans. Download one today and get the cash you need, when you need it.
