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Get a $100 loan

Compare cash apps and payday lenders that accept bad credit and offer $100 payday loans – fast.

Cash advance apps and payday and installment loans are often the best sources for quick cash for those with bad credit. The good news is, cash apps and payday lenders don’t care about your credit score – but they do verify your income.

We reviewed 16+ cash apps and 130+ payday and installment loan lenders to find the best options for $100 loans. With these lenders, you can apply on mobile, online or at a store and get $100 as soon as the same day.

6 cash advance apps and loans that offer $100 payday loans

Loan providerRequirementsFeesTurnaround
EarninActive bank account, verified source of income, over 50% of direct deposits, a regular pay schedule, a fixed work location, a digital or paper timesheet
  • No monthly fee
  • Same day Lightning Speed transfers cost up to $3.99
  • 1 to 2 business days with standard transfers
  • In minutes with Lightning Speed transfers
ChimeQualifying $200 direct deposits into Chime checking account each month. Chime debit or Credit Builder card.FreeInstant
CleoNot stated$5.993 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Brigit cash appAt least three recurring deposits from the same deposit source, active bank account at least 60 days old, two weeks of activity, balance over $0
  • $8.99 to $14.99 monthly membership fee monthly membership fee, which includes quick cash transfers with an eligible linked bank account
  • 1 to 3 business days with standard delivery
  • Same day with express delivery
MoneyLionMoneyLion Member, active bank account open for at least two months, regular deposits
  • Free for standard transfers in 24 to 48 hours
  • 1.5% fee for Turbo transfers in minutes
  • 3 to 5 business days with standard delivery
  • In minutes with Turbo transfers
AlbertChecking account 2+ months old receiving direct deposit, 2+ months working for the same employer, positive account balance, most recent paycheck was on-time, funds still available in bank account 24 hours after most recent payday.$14.99 per month optional paid membershipInstant
Dave cash appAt least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
  • Undisclosed monthly membership fee, which includes free 3-day transfers
  • Same day express delivery costs $0.99 to $11.99
  • 3 business days with standard delivery
  • 8 hours or less with express delivery
VolaBank account at least 3 months old, average balance over $150, income and deposit activity, activity most days of the week
  • $1.99 to $28.99 membership monthly membership fee
    Less than 5 business hours to a bank account

5 payday loan lenders that offer $100 loans

These payday loan lenders offer $100 payday loans online and in-store. As long as you show regular income, you can likely get a loan – usually within 24 hours online or same day at a store.

Loan providerRequirementsFeesTurnaround
Possible FinanceChecking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+FreeAs fast as 1 business day
LendYou$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+N/A1 business day
ACE Cash ExpressPermanent resident in your state, bank account open for at least one month, proof of regular income, Social Security number, 18 years of age$25.38 fee for a $100 loan
  • The next business day after approval, if approved by 6 p.m. CT
Advance AmericaGovernment issued ID, source of income, checking account
Social Security Number or ITIN (in store only), 18 years of age, personal check required in some states
$15 fee for a $100 loan
  • Online approvals by 10:30 a.m. ET are funded by 5 p.m. same day, approvals after 10:30 a.m. are funded next day
  • In-store approvals are same day for cash or to bank account
Check ‘n Go (online loans only, no in store loans)Permanent resident, active checking account, a regular source of income, 18 years of ageVaries, but most payday loans cost $15 to $30 for a $100 loan
  • Approximately 24 hours after approval
Check Into CashGovernment-issued photo ID, active bank account, proof of income, most recent bank statement, checking account and bank routing number, Social Security Number or ITIN (for Indiana residents only)Varies by state, but typically around $17.65 for a $100 loan
  • As soon as the next business day after online approval, same day at a store
Cash CentralSource of income, active checking account, two current (and valid) telephone numbers, Social Security number, 18 years of ageVaries by state, but around $15 to $30 for a $100 loan
  • By next business day if the loan is approved by 7:45 p.m. ET

What’s the difference between cash apps and payday loans?

Cash appsPayday loans
CostCheaper than payday loans ($0 to $10 monthly fee, plus optional instant transfer fees of $2 to $8)More expensive than cash apps ($15 to $30 for every $100 borrowed)
Funding times
  • First loan can take up to two weeks due to bank activity verification
  • Afterwards it can take 1 to 3 business days or same-day for instant transfers
  • In-store loans are usually funded same day
  • Online loans are typically funded in 24 hours
EligibilityRequires verification of direct deposits, bank account activity and possibly work timesheetsRequires verification of income
Repayment termsOn your next paydayTypically two to four weeks

How much will it cost to get a $100 loan?

Cash apps and payday loans typically charge fees – not interest rates – which determine the actual interest rate, or APR, you’re paying. Here are some examples of typical APRs on payday loans and cash app advances.

Payday loan APR examples

With fees between $15 and $30, APRs can reach over 1,000% on a $100 payday loan, depending on how fast you have to pay it back.

Example 1Example 2Example 3Example 4
Loan amount: $100
Loan fee: $15
Repayment term: 7 days
APR: 782.14%
Loan amount: $100
Loan fee: $30
Repayment term: 7 days
APR: 1564.28%
Loan amount: $100
Loan fee: $15
Repayment term: 31 days
APR: 176.61%
Loan amount: $100
Loan fee: $30
Repayment term: 31 days
APR: 353.22%

Cash app APR examples

Cash apps tend to be much cheaper than payday loans in terms of APRs. Depending on the app, how long you’re willing to wait for funds, and repayment terms, APRs can be as low as 12%.

Example 1Example 2Example 3Example 4
Loan amount: $100
Monthly fee: $1
Repayment term: 7 days
APR: 52.14%
Loan amount: $100
Monthly fee: $1
Instant transfer fee (optional): $6.99
Repayment term: 7 days
APR: 416.62%
Loan amount: $100
Monthly fee: $1
Repayment term: 31 days
APR: 11.77%
Loan amount: $100
Monthly fee: $1
Instant transfer fee (optional): $6.99
Repayment term: 31 days
APR: 94.07%

How long does it take to get a $100 loan funded?

  • Cash apps. While initial verification can take a couple weeks, you can get $100 loans in just a few days or same-day once your income is verified.
  • Payday lenders. You can usually get cash same-day at a store or within 24 hours if you apply online. You’ll need to have your documents ready to apply.

Eligibility requirements for $100 loans are minimal

Cash apps and payday lenders don’t look at your credit score and don’t care about your credit history. Rather, they require proof of employment and/or regular income.
Eligibility requirements:

  • Payday lenders. You need to show you have a job and regular income coming in. Sometimes it’s enough to bring your phone into a store and show them your direct deposits. For online loans, the lender will need to verify your direct deposits electronically.
  • Cash apps. Requirements vary. For example, the Earnin app wants to see regular income from the same employer. Vola, on the other hand, just needs to verify a $150 balance and regular activity in your bank account.

How to increase your chances of approval

To increase your chances of approval for a $100 payday loan, you need to:

  • Have regular deposits into your checking account (payday lenders and cash apps).
  • Have the required documents before you apply (payday lenders).
  • Have money left over in your account after payday (cash apps).

Questions to ask before choosing a $100 loan

  • How long do I have to pay it back? State laws determine this, but these usually have a short term of two to four weeks.
  • Am I eligible? You typically need to be over 18, have a state-issued ID and proof of income to get approved. And some cash advance apps are only available to hourly workers.
  • What’s the turnaround time? Most online loans are available the next day, while in-person payday loans can be approved and funded within a few hours. Cash apps can take longer until your bank activity is verified.
  • Is the lender legit? If your state requires a license, look for the lender’s license on its website. And if you’re applying online, make sure the app is encrypted before you enter your information.

What to watch out for with a $100 loan

Payday lenders often engage in predatory lending practices, charging sky high interest rates on payday and installment loans. This can lead to a cycle of debt that’s hard to break.
Here’s what to watch out for:

  • No clarity around APRs and fees
  • Lenders who pressure you to borrow more than you need
  • Lender has a bad reputation with Trustpilot customers and the Better Business Bureau

Alternatives for $100 short-term loans

Payday loans and cash apps aren’t the only way to access cash for short-term needs.
Here are more alternatives:

  • Your bank. Some banks have started to offer small-dollar payday loan alternatives to current customers at much lower interest rates than a payday lender would charge.
  • Pawn loans. If you have an asset worth between $166 and $400, you can likely pawn it for $100, which you’ll repay plus a fee of $5 to $25 per month you take to pay it back.
  • Credit card advances. If you have a credit card with sufficient credit, you can withdraw $100 from an ATM. Be prepared to pay an advance fee of $10 plus an ATM withdrawal fee of around $3, on top of a higher APR than credit card purchases.
  • Bank account overdraft. When you have no other options, you can withdraw $100 from your bank account even if you don’t have the funds. But with overdraft fees around $35, this can be even more expensive than a payday loan.
  • Chime SpotMe. Current Chime users may find SpotMe helpful if they regularly overdraw their checking account when using their debit card or making a cash withdrawal. SpotMe offers up to $200 in fee-free overdraft to users who direct deposit at least $200 into their Chime account in a 34-day period. It also offers the option to receive your paycheck up to two days before your payday, if you sign up for direct deposit into a Chime checking account.

If you’d rather avoid taking on more debt with these options, see our list of 11 alternatives to payday loans.

Compare other lenders

Name Product Filter Values Loan amount Loan Term Turnaround time
Up to $750
1 to 4 weeks
1 to 3 business days or instant for a fee
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Chime SpotMe®
$20 - $200
Next deposit
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
$40 - $250
Next deposit
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Automatically monitor your spending plus access cash advances up to $100 at a time.
$300 - $3,000
24 months or upon employment termination, whichever is sooner
Up to 5 business days for approval and 5 business days for funding, or instant for a fee
Tap your unused PTO for a cash advance so you can access that money early. Available in : CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
Borrow up to $100 to avoid hefty overdraft fees.

Looking for a different loan amount?

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Anna Serio was a lead editor at Finder, specializing in consumer and business financing. A trusted lending expert and former certified commercial loan officer, Anna's written and edited more than 1,000 articles on Finder to help Americans strengthen their financial literacy. Her expertise and analysis on personal, student, business and car loans has been featured in publications like Business Insider, CNBC and Nasdaq, and has appeared on NBC and KADN. Anna holds an MA in Middle Eastern studies from the American University of Beirut and a BA in Creative Writing from Macaulay Honors College at Hunter College, CUNY. See full bio

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Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Forbes Advisor, Lifewire and financial comparison sites like iSelect and She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio

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2 Responses

    Default Gravatar
    HannahMay 22, 2019

    Can I get a loan deposit into my bank account FAST? I need about $300

      Default Gravatar
      nikkiangcoMay 23, 2019

      Hi Hannah,

      Thanks for your inquiry. To know if you could get a payday loan, start with filling out your state in the form provided above. Once done, it will show the providers available in your state so you can get started choosing and comparing which lender to go for. Once your application is processed and approved, funds are usually deposited into your bank account on the next business day. Some lenders inform you of their decision in minutes, while others can take up to two business days. Expect to hear from the lender about their decision whether or not they approve your loan application.

      As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps!


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