Editor’s Note: Overdraft Apps provides detailed product reviews and recommendations based upon extensive research and our own hands-on testing. We may earn a referral fee when you sign up for or purchase products mentioned in this article.
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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Updated September 2026.
Need $100 fast? You are not alone. Millions of Americans come up short between paychecks, and $100 covers gas, groceries, a phone bill, or a repair before it turns into a late fee or a bounced payment. If you use Cash App, turning on Cash App overdraft can cover up to $200 at $0 before you look at a paid cash advance.
We compared the cash advance apps that can fund $100 to find the fastest, cheapest ways to get it. Fees and limits below come from each app’s published pricing.
Need $100 today? Start with an app we partner with. Compare the fee, then apply.
Need $100 but worried about your score? Our list of no credit check cash advance apps covers which ones approve you based on bank deposits alone.
Best Apps to Borrow $100 (2026)
| App | Max Advance | Subscription | Express Fee (~$100) | Best For | Get Started |
|---|---|---|---|---|---|
 MoneyLion |
Up to $500 | $0/mo | $8.99 | No sub, flexible | Get MoneyLion |
 Tilt |
Up to $400 | $8/mo* | $5.00 | Low express fee | Get Tilt |
 Cleo |
Up to $250 | $5.99/mo | $3.99 – $9.99 | AI money coaching | Get Cleo |
 Brigit |
Up to $500 | $8.99/mo | $0.99 – $3.99 | Budgeting + advances | Get Brigit |
 Klover |
Up to $200 | $0/mo | Up to $12.29 | No sub, earn points | Get Klover |
 Chime MyPay |
Up to $500 | $0/mo | $3.00 (Chime acct) | Banking + advance | Get Chime |
 Albert Instant1 |
$25 to $1,000 | $0/mo | Draw fees apply | No Instant subscription fee | Get Albert Instant |
 Grant |
Up to $500 | $9.99/mo | $2 – $21 | Growing limits | Get Grant |
 Current |
Up to $750 | $0/mo | Fee (Current acct) | High max, banking | Get Current |
 FloatMe |
$50 – $100 | $4.99/mo* | $7.00 | Existing members | Get FloatMe |
 EarnIn |
$150/day | $0/mo | $5.99 | Earned wage access | Read Review |
*Free trial available. Express fees shown are for sending roughly $100 to an external bank account instantly. Standard (free) delivery typically takes 1 to 5 business days. Chime and Current deliver to their own bank accounts only. New FloatMe members are capped at $50 until they build history with the app. Fees confirmed directly from each app’s pricing page.
Best App for Your Situation
Lowest Total Cost
Chime MyPay charges just 3% of your advance for instant delivery ($3.00 for $100), with no subscription fee at all. EarnIn comes in next at $5.99 for amounts over $75, also with no subscription.
No Subscription Fee
MoneyLion, Klover, and EarnIn let you borrow $100 without paying a monthly fee. You only pay the express fee if you choose instant delivery. Albert Instant also has no subscription fee for Instant. Draw fees apply, and funds are sent to your Albert account in minutes.
Banking + Cash Advance in One App
Chime MyPay and Current combine a free checking account with cash advances up to $500 or $750. You get your paycheck up to two days early, and the advance lands straight in your account with no external transfer needed.
How Much Does a $100 Cash Advance Cost?
The cost of borrowing $100 depends on three things: the monthly subscription (if any), the express fee for instant delivery, and optional tips (only a few apps ask). Here is what each app actually charges, ordered from lowest to highest total cost:
| App | Subscription | Express Fee | Other Fees | Total Cost |
|---|---|---|---|---|
| Chime MyPay | $0 | $3.00 (3% of advance) | Chime acct required | $3.00 |
| EarnIn | $0 | $5.99 | Tips optional | $5.99 |
| MoneyLion | $0 | $8.99 | Tips optional | $8.99 |
| Brigit | $8.99/mo | $0.99 – $3.99 | None | $9.98 – $12.98 |
| Cleo | $5.99/mo | $3.99 – $9.99 | None | $9.98 – $15.98 |
| FloatMe* | $4.99/mo | $7.00 | Existing members only | $11.99 |
| Klover | $0 | Up to $12.29 | Points offset fees | Up to $12.29 |
| Tilt* | $8.00/mo | $5.00 | None | $13.00 |
| Grant | $9.99/mo | $2 – $21 | None | $11.99+ |
| Albert Instant | $0 (not required) | Draw fees (varies) | Late fees may apply | Varies |
| Current | $0 | Not disclosed | Current acct required | Varies |
*Free trial available. Tips are always optional and excluded from totals. FloatMe’s $100 tier is for existing members; new members start at $50. All figures are confirmed from primary sources.
Not sure which app is right for you? Our full directory compares 35+ cash advance apps with filters for fees, limits, and features.
Cash Advance App Reviews
MoneyLion Instacash: Up to $500 with No Subscription
MoneyLion’s Instacash feature lets you borrow up to $500 with no interest, no credit check, and no monthly subscription fee. If you set up a RoarMoney bank account with qualifying direct deposits, your limit can grow up to $1,000.
New users typically start at $10 to $50 and build up from there based on deposit history. You can take multiple draws per pay period, up to $100 per transaction, which lines up well if $100 is exactly what you need.
Delivery speed: Standard delivery to an external bank takes 2 to 5 business days (free). For a $100 advance to an external bank, the express fee is $8.99. With a RoarMoney account, express delivery is cheaper at $6.99 for $100.
How you pay it back: MoneyLion automatically deducts your advance from your next paycheck deposit.
- No monthly subscription required
- Up to $500 ($1,000 with RoarMoney)
- $100 per-transaction limit fits this exact amount
- No credit check
- $8.99 express fee for $100 to an external bank
- External bank standard delivery takes 2-5 days
- Tips prompted (always optional)
- $10-$50 starting limit for new users
Tilt: Up to $400 with Low Express Fees
Tilt (formerly Empower) offers cash advances up to $400 with no interest, no tips, and no credit check. New users typically qualify for about $102, close to a full $100 advance right from day one.
What stands out about Tilt is its clear, tiered express fee schedule. A $100 advance to an external bank costs $5.00 in express fees. If you use a qualifying Tilt Card, express delivery is free.
Subscription: $8.00 per month with a 14-day free trial for new members. You can opt out by emailing help@tilt.com.
Delivery speed: Express delivery to an external bank is nearly instant. Standard delivery is free but takes longer.
- 14-day free trial
- Clear, low express fees ($5.00 for $100)
- New users typically qualify for around $100
- Free express delivery to Tilt Card
- $8/month subscription after trial
- Must email to cancel subscription
- One advance at a time
Cleo: Up to $250 with AI Money Coaching
Cleo is an AI-powered money app that offers cash advances up to $250 on its Plus plan ($5.99/month). First-time users typically start at $20 to $100, so a $100 advance is realistic even for a brand-new account, and your limit grows from there based on your linked bank history.
Beyond the advance, Cleo’s AI assistant analyzes your spending, gives you money-saving tips, and offers cashback on purchases. It is a good pick if you want budgeting help alongside your cash advance.
Delivery speed: Same-day express delivery to your external bank costs $3.99 to $9.99. The exact express fee for your $100 request is shown in the app before you accept. Standard delivery is free but takes a few business days.
Good to know: Cleo settled with the FTC in March 2025 for $17 million over advance amount claims. The app has since updated its disclosures.2
- First-time limits often reach $100
- No credit check, no interest, no tips
- AI budgeting and spending analysis
- App Store rating: 4.6
- $5.99/month subscription required
- Express fees up to $9.99
- Lower max ($250) vs. competitors
- FTC settlement history (2025)
Brigit: Up to $500 with Budgeting Tools
Brigit offers cash advances up to $500 on its paid plans. The Plus plan ($8.99/month) gives you advance access, while the Premium plan ($15.99/month) adds free express delivery and a credit builder feature.
New users typically start at $50 to $150, so $100 is well within reach for most first-time approvals. You must repay one advance before requesting another.
Delivery speed: Express delivery to your external bank takes about 20 minutes and costs $0.99 to $3.99 on the Plus plan (free on Premium). Standard delivery is free and takes 2 to 3 business days.
Brigit also tracks your spending patterns, warns you about upcoming low balances, and can automatically transfer money to cover potential overdrafts. It is one of the better “advance plus budgeting” combos.
- Up to $500 advance limit
- Low express fees ($0.99-$3.99)
- New user range ($50-$150) covers $100
- Overdraft prediction and alerts
- Available nationwide
- $8.99-$15.99/month subscription
- Must repay before next advance
- Must email to opt out of subscription
Klover: Up to $200 with No Subscription
Klover lets you borrow up to $200 (up to $400 with point boosts) with no monthly subscription, no interest, and no credit check. New users typically start at $5 to $100.
The way Klover keeps costs low is through its points system. You earn points by scanning receipts, completing surveys, and watching ads. Those points can reduce or eliminate your express fees.
Delivery speed: Express delivery to your external bank costs up to $12.29 for a $100 advance (before points offset). Standard delivery is free but takes a few business days.
Optional Klover+ ($4.99/month): Adds credit monitoring and bill tracking. It is not required for advances.
- No subscription required for advances
- Points system to reduce express fees
- No credit check, no interest
- New user range ($5-$100) reaches $100
- Express fees can run high without points
- $12.29 express fee is one of the higher ones for $100
- Klover+ trial auto-enrolls at signup
Chime MyPay: $0 Sub, Banking + Advance
Chime MyPay lets you access up to $500 of your paycheck early with no subscription fee, no interest, and no credit check. Most members start at $50 to $100, and the limit grows with your direct deposit history.
MyPay delivers only to your Chime Checking account. You need a Chime account with recurring direct deposits to qualify. It is not a standalone cash advance app.
Delivery speed: Free delivery within 24 hours to your Chime account. Instant delivery costs 3% of your advance (minimum $2, maximum $5). For a $100 advance, that works out to a $3.00 express fee.
If you already bank with Chime, or want a free checking account that also offers early paycheck access, MyPay is one of the cheapest ways to get $100 fast.
- No subscription fee
- Free delivery within 24 hours
- Express fee is just $3 for $100
- Up to $500 limit
- Get paid up to 2 days early
- Chime account required
- Delivers to Chime only (not external banks)
- Not available in all states
- Requires qualifying direct deposits
Albert Instant: Get up to $1,0003, no subscription fee for Instant
Albert Instant is an unsecured line of credit. You can get up to $1,000 if you qualify. You can take $100 when that amount is within the limit Albert shows you. Most users are offered lower amounts to start, and few people qualify for the full amount. There is no subscription fee for Instant. The same app also includes optional budgeting tools for spending, bills, and goals.4 Those tools are optional and separate from Instant.
What it costs: Draw fees apply on the amount you take. Overdraft Apps estimates about $5.99 for $100. Albert discloses the fee in the app before you confirm. Late fees may apply if you miss a due date.
How you get it: Funds are sent to your Albert account in minutes. Instant is not available in CO, CT, IA, ME, MN, MT, NV, NJ, SD, VT, and WI.
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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- Albert Instant is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25–$1,000. Draw fees apply. No Albert subscription required. Terms and eligibility criteria including geographic restrictions apply.
- Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first time users. Amounts subject to change. Same day transfers subject to express fees.
- Albert Instant is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25–$1,000. Draw fees apply. No Albert subscription required. Terms and eligibility criteria including geographic restrictions apply.
- Try for 30 days before you’re charged. Plans start at $19.99/mo. Fees auto-renew until canceled. Cancel in the app. Terms apply.
