Did you know that approximately 75 percent of Americans worry about having enough money to cover important expenses?
That’s no surprise, especially during these tough times with inflation. Moreover, many people work jobs that barely pay enough for them to scrape by.
While downloading loan apps can be risky due to their interest fees, they can come in handy in a pinch to use toward:
- Car payments
- Rent
- Overdue tax bills
- Utilities
- A child’s private school tuition
- Gifts for holiday occasions or birthdays
- Or anything else you need or want to pay for!
Not sure which loan app to download? I picked some of the best cash advance apps that loan you money instantly to help you get started. (Or if you don’t need them yourself, you can refer a loved one or acquaintance to any of these apps.)
Table of Contents
Top $100 Loan Instant Apps
Receive $100 or more in loans to cover a bill or a surprise expense through the apps below.
1. Kora
College student? This app is custom-made for people like you.
Kora comes with many incredible features that make it easier to handle costs like:
Kora Cash: Request $25 to $3,000 to build credit, pay for books, or indulge in the occasional pizza lunch. Don’t worry about minimal or annual fees because Kora Cash doesn’t have any.
Kora Card: With the Kora Card, you get up to 10 percent cash back on online purchases, groceries, coffee, and more. Best of all, there are no overdraft fees or hidden charges.
Kora Insights: Kora Insights helps you stay financially savvy with tools like notifications for low bank balances and personalized reports to track your spending.
At this time, Kora is only available for iOS users.
- App Availability: Apple
2. Hundy
What’s intriguing about Hundy is that it’s not bank-operated. Instead, you receive cash advances from crowd investors.
Request $25 to $250 without needing to go through a credit check.
- App Availability: Apple
3. CashNetUSA
CashNetUSA offers payday loans ($100 to $600) and line of credit/installment loans ($100 to $3,500) that you can apply for and receive approval or denial within minutes.
If you’re approved before 1 p.m. Monday through Friday, you’ll get your loan deposit sent to your bank account the same day you apply. Awesome!
That said, CashNetUSA is only available in 29 U.S. states.
- App Availability: Apple/Google Play
4. Grid
Want a tax refund and a loan advance? Download Grid!
Get up to $200 per cash advance when you sign up for a Grid membership ($10/month).
In addition, you receive a Grid Card to help with credit building and extra time to pay back your cash advance.
Though Grid has a free version that includes up to $250 per month in tax refunds from your paychecks, you’re better off with the paid version, since that’s the only way to receive cash advances.
- App Availability: Apple/Google Play
5. Quick Benjy
With Quick Benjy, you can request between $50 and $100 and get it in your bank account instantly.
You have a month to pay off what you owe, and the first five days cost you nothing.
- App Availability: Apple/Google Play
6. Possible Finance
The great thing about Possible Finance is that it lets you borrow up to $500, even if your credit is far from perfect. It allows you to pay off your debt in four installments with no penalties or late fees.
Possible Finance also provides a credit card with a $400 or $800 credit limit. Like with the loans, you can pay off your credit card balance in four installments with no late or interest fees.
- App Availability: Apple/Google Play
7. Speedy Cash
Speedy Cash really lives up to its name because you can get your loan very quickly.
If you apply online, you can fill out your application within a few minutes. Upon approval, you can pick up your cash from the nearest Speedy Cash location or have it deposited into your bank account within 24 hours.
Prefer to apply in person? Just provide information like income, checking account, and ID, and the staff will make a decision within 10 minutes or less. If you’re approved, you get your cash right away.
Speedy Cash offers payday, installment, title, and other types of loans ranging from $50 to $26,000.
- App Availability: Apple/Google Play
8. Gerald
Want an app that gives you loans specifically for bills? Consider Gerald!
Gerald lets you request up to $215 to spend on essentials like Internet, medical bills, phone, and auto insurance. Alternatively, you can get half your paycheck days earlier than your official pay date.
Furthermore, it comes with overdraft protection, a bill tracker to help you avoid late fees, and cashback rewards. Gerald costs about $10 per month.
- App Availability: Apple/Google Play
9. Klover
Get up to $200 in cash advances with Klover.
All you need to do is verify your paycheck, connect your bank account, and provide your name and email to request a cash advance.
You can even earn more money by participating in Klover’s daily sweepstakes.
- App Availability: Apple/Google Play
10. SoLo Funds
SoLo Funds is an app where you can lend money to or borrow from other members.
The loan amount you can borrow starts small, around $50 to $100. Once you make on-time payments, your SoLo Score increases, allowing you to request larger cash advances.
- App Availability: Apple/Google Play
11. Vola Finance
Borrow up to $300 with Vola Finance. Just link your bank account and request the loan amount you need. There are no credit checks or interest fees to worry about.
Vola Finance also provides analytics and graphs to help you manage your money. It’s a bit on the expensive side, costing $2.99 to $28.99 per month.
- App Availability: Apple/Google Play
12. Lenme
With Lenme, you can borrow as little as $50 or up to $5,000.
As a borrower, you can request a loan regardless of your credit score status. Best of all, you set the payment terms and can even ask for an extension if needed.
Send a loan request, and an investor will review your profile. If they approve you, expect your funds within a couple of days.
As an investor, you can review the credit reports of potential borrowers, offer interest rates, and even invest in Bitcoin.
- App Availability: Apple/Google Play
13. Brigit
It only takes a few minutes to set up an account with Brigit. Request $50 to $250 without worrying about tipping, credit checks, or interest fees.
Additionally, you receive up to $1 million in identity theft protection, financial insights to track your spending, and alerts to notify you of your low balance.
Brigit even includes side gig opportunities, which can help you pay back your loans.
It offers a no-cost plan and a Plus Plan costing about $10 a month.
- App Availability: Apple/Google Play
14. Dave
Dave’s ExtraCash feature allows you to borrow up to $500. It also offers a Dave Debit Mastercard. (Dave doesn’t charge any fees to use its card at 37,000 MoneyPass ATMs.)
There are no minimum balance, late, or overdraft fees.
You can also get an instant loan without a job! Plus, Dave provides side hustle jobs for you to make extra money.
This app is very affordable at only $1 a month.
- App Availability: Apple/Google Play
15. Zirtue
With this P2P app, you can borrow money from loved ones instead of creditors or investors.
Download Zirtue, invite your friends and family, and ask for up to $5,000. Additionally, you can set up one-time or recurring payments for bills and other expenses.
And if your relative or buddy happens to be in a financial pinch, you can use Zirtue to lend them a hand, too.
- App Availability: Apple/Google Play
16. Albert
Albert is an app much like Dave.
Albert is a pretty cool app because you can:
- Get your paycheck up to two days early
- Request cash advances up to $250
- Not worry about overdrafts
- Pay only $6 per month for Genius, a financial advice platform
- App Availability: Apple/Google Play
17. MoneyLion
Receive cash advances in three ways when you download MoneyLion.
MoneyLion’s InstaCash allows you to request up to $500 in cash advances.
If you don’t mind paying around $20/month for its Credit Builder Plus plan, you can request up to $300 in advances.
MoneyLion’s RoarMoney feature lets you set up direct deposit to get your paycheck early and request cash advances up to $1,000.
- App Availability: Apple/Google Play
18. Cash App Borrow
Currently, obtaining loans from Cash App Borrow is limited to certain U.S. states. However, you can borrow from Cash App between $20 and $100, and you only pay a five-percent flat rate.
You have four weeks to pay back your loan. Otherwise, you’ll receive a 1.25 percent charge after the grace period ends.
- App Availability: Apple/Google Play
19. Chime Instant Loans
Chime member? Request up to $100 in loans through this app.
All you need to qualify are a Chime account in good standing, no outstanding loans, and your account has to receive consistent direct deposits.
The interest fee is $5, and you pay back your $100 in three monthly installments.
- App Availability: Apple/Google Play
20. Empower
You can start borrowing up to $250 from Empower and then earn the privilege of borrowing up to $1,000.
How? By signing up for Empower Cash Advance. (No credit checks or fees are associated with this feature.)
When you’re ready, upgrade to Empower Thrive, which has a credit line ranging from $200 to $1,000.
- App Availability: Apple/Google Play
21. Varo Advance
Varo Advance offers loans ranging from $20 to $100. Depending on how much you borrow, you’ll pay between $0 and $5 in fees.
You need an activated Varo Bank Debit Card, a Varo Bank account at least 30 days old, and $1,000 or more in qualifying direct deposits to be eligible for Varo loans.
- App Availability: Apple/Google Play
Closing Words
While loans have drawbacks, not having enough money is much worse. So, if you need cash right now — and you’re able to pay them back on time — think about installing one or more of these $100 loan instant apps to borrow some quick cash to pay off expenses.
