7 Best $100 Instant Loan Apps in the U.S. (2025)

Did you need a quick $100 for surprise expenses, being low on cash before payday, or just needing a small loan to hold you over? Several loan apps in the U.S. offer instant loans up to $100 (and beyond). These apps are fast, reliable, and usually don’t require a credit check. Here’s a breakdown of the best options in 2025, including how fast they work, how much they cost, and where the money goes.

Best $100 Instant Loan Apps in the U.S.

$100 Instant Loan Apps in USA

Below are the best instant loan apps in the U.S. that offer fast and flexible access to funds. These apps are available on both iOS and Android; some allow you to borrow money without a bank account, and you can use Cash App, Venmo, or PayPal for receiving funds instead.

1. Earning

Loan Amount: Up to $150/day (up to $750 per pay period)
Speed: 1–3 business days (free) or minutes (with fee)
Credit Check: None
Fees: No interest; optional tip; $3.99–$8 for instant transfer
Payout: Bank account (ACH)—Can route to Cash App, Venmo, PayPal

Earnin allows you to access your earned wages before your scheduled payday with up to $150 per day and a maximum of $750 per pay period and does not run credit checks or charge interest.

To use the app, you’ll need to securely connect your U.S. checking account and verify your work hours or payroll activity.

For its standard bank transfers, it takes 1–3 business days and is free, but if you need the money instantly, you can choose an expedited option for a small fee (usually between $3.99 and $8).

There are no mandatory fees, and tips are optional, and repayment is automatically deducted from your next paycheck. Since Earnin uses ACH transfers, you can also route the funds to digital wallets like Cash App, Venmo, or PayPal by linking their direct deposit details. Once you link your bank and verify your work schedule, you can cash out instantly or wait 1–3 days for free withdrawal. No hidden fees, no interest, and no credit checks make this a user favorite.

You can download Earnin loan app here.

2. Dave (ExtraCash)

Loan Amount: Up to $500
Speed: Instantly to Dave’s account; 2–3 days to external bank
Credit Check: None
Fees: $0–$5/month membership; 5% fee for instant transfers; optional tip
Payout: Dave’s debit card or linked bank (ACH)

Dave Is another $100 instant loan app that lets you borrow up to $500 through its ExtraCash feature, depending on your income and bank history. You can get the money instantly if you use a Dave spending account, or you can transfer it to your regular bank account in 2–3 business days.

There’s no interest or credit check, Dave only charges a small monthly membership fee (between $0 and $5), and if you want your money right away, there’s a 5% fee for instant delivery, with Tipping being optional.

Repayment is taken automatically from your next paycheck or through deposit. Dave uses ACH transfers; with these, you can also receive your funds in digital wallets like Cash App or PayPal if you’ve set them up with direct deposit details.

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3. Brigit

Loan Amount: Up to $250
Speed: 1–2 business days (free) or instantly (for premium users)
Credit Check: None
Fees: $8.99–$14.99/month for advance access; optional instant fee waived for Premium
Payout: Linked checking account (ACH)

Brigit offers small cash advances up to $250 for users with a linked checking account that’s at least 60 days old and shows regular income, and there’s no credit check or interest, and repayment is automatically deducted from your next paycheck.

Brigit free plan includes only budgeting tools but no cash advances, but to access cash, you’ll need a Plus or Premium subscription.

Brigit transfers money either within 1–2 business days for free, or instantly if you’re on the paid plan (instant is free for Premium users or has a small fee on Plus).

4. MoneyLion (Instacash)

Loan Amount: Up to $500 (or $1,000 with RoarMoney)
Speed: 1–5 business days (faster with longer usage)
Credit Check: None
Fees: No interest; optional turbo fee up to ~$8.99
Payout: MoneyLion debit card or linked bank (ACH)

MoneyLion is one of the best $100 instant loan apps in the USA that lets you borrow up to $500 and up to $1,000 if you’re a member with a RoarMoney account, with no credit check and 0% interest on advances.

To get a loan, you will need to open a MoneyLion account and maintain steady income or deposits.

MoneyLion Standard delivery will take up to 5 business days, but many regular users receive funds in 1–2 days, and if you need the money faster, you can pay a small turbo fee (up to about $8.99) to speed it up.

Repayment is automatic, taken from your next deposit, and funds are sent through ACH to your MoneyLion debit card or your linked bank account. With more usage and deposit history, limits increase. Turbo delivery speeds things up for a small fee.

5. Varo Advance

Loan Amount: $20–$500
Speed: Instant to Varo account
Credit Check: None
Fees: Flat fee (~$10 per $100 borrowed)
Payout: Varo bank account (ACH)

Varo Bank is another instant loan app on our list that offers instant cash advances between $20 and $500 to users with active Varo accounts that receive direct deposits. Getting a loan and advance limits is based on your deposit history, and funds can be withdrawn instantly into your Varo spending account. Varo does not charge interest, but it applies a flat fee of around $10 for every $100 borrowed, for example. Your repayment date can be within 15 to 30 days from when you receive the funds. There’s no credit check involved, and once the money is in your Varo account, you can use it to pay bills, make purchases, or transfer to digital wallets like Cash App or PayPal using ACH.

6. Albert

Loan Amount: $25–$500
Speed: Minutes to Albert Cash; external transfers cost $5.99–$19.99.
Credit Check: None
Fees: No interest; optional instant fee
Payout: Albert Cash or linked bank (ACH)

Albert’s Instant Advance feature allows you to borrow $100 and between $25 and $500, depending on your account activity and payroll history. You don’t need a subscription to access this feature, and there are no credit checks, interest charges, or hidden fees. To qualify, you must link a debit card and have direct deposit set up, and you can withdraw your Albert Cash balance instantly at no cost or transfer it to an external bank account via ACH, with external transfers posting in minutes for a fee ranging from $5.99 to $19.99, depending on the amount. Repayment is automatically taken from your next paycheck, but Albert does not report missed payments or engage in collections. Since Albert uses standard ACH transfers, you can also route the funds to digital wallets like Cash App or PayPal by using their direct deposit details.

7. Empower

Loan Amount: $10–$400
Speed: 98% of transfers arrive within 15 minutes.
Credit Check: None
Fees: $8/month after free trial; optional instant fee
Payout: Linked bank account (ACH)

Empower’s Cash Advance is one of the digital lenders in the US that lets you borrow between $10 and $400 instantly, depending on your eligibility, and it starts with a free 14-day trial, after which an $8 monthly membership fee applies. First-time borrowers can receive their funds within about 15 minutes—98% of transfers are processed that quickly free of charge, though there may be a small fee for optional instant transfers. You’ll need to link your regular checking account, and funds can be deposited via ACH. Repayment is automatically deducted from your next paycheck. Note that Empower is not available in Connecticut, Maine, Maryland, or Washington, D.C.

Comparison Table: Best Instant Loan Apps (2025)

Loan App (Platform)	Advance Size	Speed to Funds	Credit Check	Fees & Costs	Repayment	Payout Method
Earnin (iOS/Android)	Up to $150/day (max ~$750/pay)	1–3 business days (free) or minutes (fee ~$3.99–$8)	Soft/no credit check	No interest or required fees; optional tip; expedite fee ~2–5% of amount	Auto-debit on next paycheck	ACH to linked bank or any direct deposit account
Dave ExtraCash (iOS/Android)	Up to $500	Same-day to Dave account; 2–3 days to external bank	No credit check	$0–$5/month membership; 5% fee for instant transfer; optional tip	Auto-debit on next paycheck	ACH to Dave debit card or linked bank
Brigit (iOS/Android)	Up to $250	1–2 business days (free); instant (fee waived on premium)	No credit check	$8.99–$14.99/month subscription; instant fee $0–$3.99	Auto-debit on next paycheck	ACH to linked checking account
MoneyLion Instacash (iOS/Android)	$10–$500 (up to $1,000 w/ RoarMoney)	Up to 5 business days (often 1–2 days for established users)	No credit check	0% APR; optional turbo fee up to ~$8.99	Auto-debit on next paycheck	ACH to MoneyLion debit or external bank account
Varo Cash Advance (iOS/Android)	$20–$500	Instant to Varo account	No credit check	Flat fee (e.g., ~$10 per $100 borrowed)	You choose (15–30 days after loan)	ACH to Varo bank account
Albert Advance (iOS/Android)	$25–$500	Minutes to Albert Cash; external bank takes minutes (fee $5.99–$19.99)	No credit check	No interest or required fees; instant transfer fee $5.99–$19.99	Auto-debit on next paycheck	ACH to linked bank or Albert Cash
Empower Advance (iOS/Android)	$10–$400	~15 minutes (98% of requests cleared instantly)	No credit check	$8/month after 14-day free trial; optional instant delivery fee	Auto-debit on next paycheck	ACH to linked bank

Final Thoughts

If you need $100 or more instantly and don’t want to deal with credit checks, these apps are some of the best in the U.S. They deposit funds quickly, have transparent fees, and can work with digital wallets like Cash App, PayPal, and Venmo (via routing/account details).

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