When a flat tire, urgent medical bill, or unexpected utility shutoff notice hits, waiting days for a bank loan isn't an option.
For Americans living paycheck to paycheck, a $100 loan instant app can mean the difference between stability and crisis.
Thankfully, instant $100 loan instant app designed for the U.S. market offer small-dollar solutions without the red tape.
But with so many apps claiming to deliver “instant cash,” how do you choose the right one?
In this article, we’ll compare the top 7 Best $100 Loan Apps 2025 for emergencies, including no-credit-check options, fees, and state availability.
Whether you’re in California, Texas, or New York, this breakdown will help you secure funds fast and avoid predatory lenders.
Why Use a $100 Loan Apps in USA?
Traditional payday loans are infamous for triple-digit APRs and debt traps.
In contrast, modern loan apps comply with state regulations (like California’s 36% APR cap) and prioritize transparency. Here’s why apps like Brigit and Earnin are safer for Americans:
- Speed: Funds in minutes via direct deposit or debit card.
- No Credit Checks: Most use banking history, not FICO scores.
- Lower Fees: Monthly subscriptions (e.g., $9.99) vs. 400% APR payday loans.
- Credit Building: Apps like MoneyLion report payments to bureaus.
Note: Some apps aren’t available in all states. We’ve noted restrictions below.
Top 7 Instant Loan Apps for $100 in the USA (2025)
| App Name |
Loan Amount |
Speed |
Fees/Interest |
Credit Check? |
| Brigit |
Up to $250 |
2-3 hours |
$9.99/month subscription |
No |
| Earnin |
Up to $100/day |
Instant* |
Optional tip (no fees) |
No |
| Dave |
Up to $75 |
Instant ($3 fee) |
$1/month membership |
No |
| MoneyLion |
Up to $250 |
12-24 hours |
$19.99/month subscription |
Soft check |
| Albert |
Up to $250 |
Instant ($4 fee) |
Optional tip |
No |
| Chime SpotMe |
Up to $200 |
Instant |
Optional tip |
No |
| Possible Finance |
Up to $500 |
5 minutes |
$15-$30 per $100 borrowed |
Soft check |
Earnin's instant speed requires Lightning Speed (debit card) for a fee
Earnin operates in 27 states in USA (e.g., FL, TX, CA but not NY)
Brigit: Brigit does offer cash advances within the $25 to $250 range, so a $100 loan is definitely possible through the app.
Since there are no late fees, no tips required, and no credit checks, it's designed to be accessible and low-risk for users needing quick cash.
Additionally, Brigit's extra features like credit building, budgeting tools, and savings support can make it more than just a payday advance app.
These can be useful if you're looking to improve your overall financial health rather than just getting by in the short term.
EarnIn: lets users access up to $150 per day and $750 per pay period as an advance on wages they've already earned. Funds can be delivered in minutes for a small fee or in 1-3 business days for free.
There are no mandatory fees, interest, or credit checks, and users can choose to leave an optional tip. Unlike traditional loans, EarnIn doesn't affect credit scores.
It’s ideal for people with regular paychecks and direct deposit who want fast, flexible access to their earnings without taking on debt.
Key Features of $100 Loan Apps with Instant Loan Approval
$100 loan apps in the USA offer quick access to small cash advances, ideal for covering urgent expenses like bills, groceries, or emergencies.
These apps provide fast payday loans with instant loan approval, making them a popular choice for users needing money quickly without the hassle of traditional lenders.
- Fast Payday Loans: Get approval within minutes and receive funds quickly.
- No Credit Check Loans: Many apps approve loans without checking your credit score.
- Small Cash Advances: Borrow amounts typically ranging from $20 to $250, with some apps offering up to $500.
- Instant Funding: Money is deposited directly into your bank account, often instantly or within the same day.
- Flexible Repayment Terms: Repay by your next payday or over several weeks with easy installment options.
- Affordable Fees: Options include low monthly subscription fees ($5-$15), small fees for instant transfers, or no fees for standard transfers.
- Financial Tools: Budgeting assistance and credit-building features to help manage your finances.
$100 loan apps provide a convenient and reliable way to get small cash advances without credit checks or long approval times.
They are perfect for emergency expenses and short-term financial needs.
Before borrowing, compare fees, repayment terms, and features to find the best app that fits your needs.
How to Get Instant Loan from a $100 Loan Apps in USA
To get a $100 loan instantly in the USA, here's a quick, step-by-step guide based on your tips:
Check State Availability: Some lending apps are only available in certain states, so make sure the app you choose works in your state.
For example: Dave is available in all 50 states. Possible Finance works in 27 states.
Link a Bank Account: Most loan apps require you to link a bank account with at least 2 months of transaction history.
This helps the lender verify your financial stability.
Verify Income: To speed up the process, you’ll typically need to verify your income. This can be done by uploading recent pay stubs or allowing the app to track your direct deposits.
Some apps also offer income verification through payroll services like Gusto or Instant Pay.
Avoid Weekends: If possible, apply for the loan during weekdays. Many apps process loans faster during business hours, while transfers on weekends may be delayed, so apply before Friday afternoon if you want quick access.
Repay on Time: Once you receive the loan, make sure to repay it on time. Many apps offer automatic repayment options, which help you avoid late fees or penalties.
Auto-repayment is usually set up when you link your bank account.
How to Apply for a $100 Loan App (2025, USA)
Many apps like Earnin, Dave, Brigit, and Chime offer fast $100 loans or cash advances without interest or credit checks. These apps are designed for short-term, emergency cash needs.
Application Steps:
- Choose a trusted app (e.g. Earnin, Chime, Dave).
- Download the app from Google Play or App Store.
- Create an account with your name, phone, and email.
- Connect your bank account (must show income history).
- Verify income (direct deposit or work schedule).
- Request your $100 advance inside the app.
- Get funds instantly or within 1-2 days.
Best Tips for Using $100 Loan Apps Wisely
When using $100 loan apps, it’s essential to borrow responsibly. These services are designed for short-term emergencies, not for regular spending.
Only request a loan if you're confident you can repay it on your next payday to avoid overdraft fees or a negative balance.
Overreliance on loan apps can create a cycle of debt that’s hard to escape.
Always read the terms and conditions carefully, especially regarding optional tips, instant transfer fees, and repayment schedules. Some apps may charge small fees for faster transfers.
If the money isn’t urgent, wait 1-2 days for the free option.
Be cautious about apps that require monthly subscriptions,make sure the benefits outweigh the cost.
Link a bank account with consistent income, and enable alerts so you know when a repayment is coming. Finally, explore apps with budgeting tools (like Dave or Brigit), which can help you avoid needing advances in the future.
Advantages of $100 Loan Apps
$100 loan apps are becoming a popular choice for fast payday loans and small cash advances in 2025. Here are the top advantages:
- Instant Cash Access
Get quick approval and fast funding, often within minutes, to cover emergency expenses.
- No Credit Check Required
Many apps offer loans without credit checks, making them ideal for people with poor or no credit history.
- Flexible Loan Amounts
Borrow small amounts from $20 up to $250 or more, with easy repayment aligned to your next payday.
- Convenient Mobile Process
Apply, get approved, and receive funds—all from your smartphone without visiting a bank.
- Affordable Fees
Low or no fees for standard transfers, with transparent pricing for instant cash advances.
- Extra Financial Tools
Budgeting help and credit-building features help you manage money better.
Using $100 loan apps in the USA offers a fast, flexible, and reliable way to access emergency cash in 2025.
In 2025, U.S. residents have more options than ever to secure a $100 loan instantly without walking into a payday lender’s office.
Apps like Brigit and Earnin prioritize speed and transparency, while Chime SpotMe helps overdraft-prone users. Just remember: these tools are for emergencies, not everyday spending.
FAQs: $100 Loans in the USA
1. Can I Get a $100 Loan Instantly Without a Job?
Most loan apps like Earnin and Dave require proof of income (e.g., paychecks, gig work, or government benefits). If you're unemployed, consider alternatives such as pawn shops or local nonprofit organizations that may offer assistance.
2.Do These Loan Apps Work in All U.S. States?
No, some loan apps are restricted in certain states. For example:
- Earnin is banned in New York.
- Possible Finance operates in 27 states, including California (CA) and Texas (TX).
- Chime SpotMe is available nationwide but requires you to have a Chime account.
3. How Fast Can I Get $100 from These Apps?
Instant: Earnin (with a debit card fee), Dave ($3 express fee)
Same Day: Brigit (2-3 hours), Albert (minutes)
Next Day: MoneyLion (12-24 hours)
4. Do These Apps Check My Credit Score?
Most loan apps such as Brigit, Dave, and Earnin do not check your credit score. However, there are exceptions:
- MoneyLion conducts a soft credit pull.
- Possible Finance may report late payments to credit bureaus.
5. Are Instant Loan Apps Safer Than Payday Loans?
Yes, instant loan apps are generally safer than payday loans, which often come with sky-high interest rates (400% APR). Brigit charges a $10/month fee, whereas payday loans can cost a lot more in the long term.
However, avoid repeating borrowing too often, as subscription fees can add up.
6. Can I Get a $100 Loan if I Receive Social Security or Disability Benefits?
Yes, many loan apps like Dave and Albert accept government benefits, such as Social Security or Disability payments, as a form of income. You will need to link a bank account that shows regular deposits.
7. What Happens If I Can't Repay the $100 Loan on Time?
If you're unable to repay your loan on time, different apps have different consequences:
- Possible Finance charges a $15 late fee.
- Earnin may block future loans if you miss payments.
8. Which App Has the Lowest Fees for a $100 Loan?
Here are some options with low fees:
- Earnin: $0 fees (tips are optional)
- Dave: $1/month + $3 express fee
- Chime SpotMe: No fees (tips are optional)
9.Are These Loan Apps Safe from Scams?
Most reputable apps like Brigit, Dave, and others are safe to use. To avoid scams, do not use apps that ask for:
- Upfront payments
- Your Social Security number unless it's for verification
- Cryptocurrency payments for loans
10.Brigit vs. Dave: Which Is Better ?
Brigit: Offers a higher loan limit (up to $250) but charges a $9.99/month fee.
Dave: Offers a lower loan limit ($75) but charges only $1/month.
If you need frequent loans, Brigit might be the better option. If you’re just looking for a one-time loan, Dave is a more affordable choice.