Need to Borrow 100 Dollars Now? Try Quick Loans

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Key takeaways

Credit unions offer low-cost, short-term loans that are easily accessible with bad credit.
Many online lenders provide $100 loans with no credit check or minimal requirements.
Always read the loan terms and repayment schedule to avoid high fees or falling into a cycle of debt.

When emergencies come up, not everyone has the cash on hand to cover them. A small loan is sometimes all you need to bridge the gap to your next paycheck arrives.

Traditionally, financial institutions require a lengthy application and approval process. Not anymore. Many lenders have moved away from that model and now offer same-day approval and funding. You can apply for a small loan and receive the money in your bank account within hours, even with bad credit.

When you’re thinking, I need cash now; a small, same-day loan can be the ticket. Learn where you can borrow $100 fast and the different types of small-dollar loans available.

Where can I borrow $100 instantly?

When you’re in a financial bind, finding a quick 100 dollar loan can make a significant impact. Fortunately, many lenders offer emergency cash immediately for bad credit.

Explore local banks or credit unions

Many major financial institutions do not offer personal loans, but local or regional banks and credit unions do.

Start by visiting your local bank. Many banks will approve members with a good relationship with them, even if your credit isn’t perfect. They will consider your banking history and income to decide if you can afford a $100 cash loan.

Credit unions are another good option. These institutions are non-profit and member-owned. They often offer small loans with reasonable terms and lenient requirements. If you’re a member, you might qualify for a $100 loan with no credit check, especially if you’ve built a relationship over time.

Visit an online lender

Online lenders and instant loan apps are another place to go when you need to borrow $100 fast. Many online lenders have lenient credit score requirements; some have no minimum credit score at all. Others do not conduct a credit check, though their terms will be less favorable. You can usually apply in the morning and receive your funds the same day.

Cash advance apps are a newer financial product. They do not check credit but rely on your banking history and hours worked. Many apps provide instant 100 dollar loans that can hit your bank account in minutes.

Short on cash before payday?

A paycheck advance can make any day payday!

How to get 100 dollars fast

Emergencies don’t wait, and neither should your access to funds. Whether you’re dealing with an unexpected expense or need to stretch your budget, you can get $100 instantly. Several types of loans provide emergency funding, even with bad credit.

Apply for a small personal loan

Many online lenders and credit unions now offer personal loans for bad credit in small amounts. Personal loans tend to be installment loans with fixed interest rates. You repay them over a few months to seven years. The longer repayment period and set monthly payments make these loans easier to repay.

When your score is below 690, look for lenders specializing in bad credit borrowers. These lenders may not conduct a hard inquiry or have a low minimum credit score requirement. Many offer a $100 loan approval and funding the same day.

Lenders that accept applicants with poor credit often charge higher interest rates and add-on fees. Read the loan terms and ensure you can repay the money before signing the agreement.

Short-term guaranteed $100 loan with no credit check

Some lenders advertise a guaranteed $100 loan online with minimal eligibility requirements. No loan is 100% guaranteed, but short-term loans without a credit check are incredibly easy to get. Often, all you need is a paycheck and an active checking account.

The no credit check loan option can be tempting when you want to borrow money without the red tape. Be cautious since interest rates and fees are often higher to offset the lender’s risk.

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100 dollar payday loan

No credit check payday loans can be a lifeline when facing an emergency, and your credit is far from perfect. You can usually get a 100 dollar loan today with only your paycheck and ID. You repay the loan plus fees on your next payday, often in only two to four weeks.

While incredibly convenient, payday loans are expensive and should be avoided at all costs. The finance charge is typically $15 to $30 per $100 borrowed. If you borrow $100 with a $15 finance charge and a seven-day repayment period, the APR is 782.14%. The highest affordable APR is 36%.

Emergency $100 with Payday Alternative Loans (PALs)

If you’re a federal credit union member, you may be able to get a Payday Alternative Loan. PALs are the National Credit Union Administration’s (NCUA) response to payday lending. They are small personal loans with low interest rates. They can be as small as a 200 dollar loan or up to $2,000. These loans either do not require a credit check or have a low minimum credit score requirement.

The NCUA sets the maximum APR at 28% and caps the application fee at $20 to make borrowing affordable. PALs are safer and more trustworthy emergency loans for bad credit. They offer a way to borrow without falling into a cycle of debt.

Use a cash advance app for a guaranteed $100 loan

If you’re low on funds, an instant $100 loan app can deposit cash into your account within minutes. You download a new cash advance app, link your bank account, and apply in just a few steps. No credit check or minimum credit score is necessary. Instead, the app assesses your income and advances a portion of your paycheck.

You can get an instant $100 cash advance for minimal fees. These apps do not charge interest but will require a subscription, a flat fee, or ask for an optional tip. Many also charge a fast-funding fee if you need the advance in minutes. Or you can wait one to three business days and receive it for free.

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Use a pawn shop loan

If you own a valuable item, you can get a $100 loan instantly without a credit check from a pawnshop. Bring in electronics, jewelry, or tools, and the shop will offer a cash loan based on the item’s value. You typically repay the loan plus fees within 30 days to get your item back. The pawnbroker may sell it to recoup his losses if you cannot repay.

These loans are risky since you may lose your property. Unfortunately, pawn shop loans without collateral do not exist. The item you leave as collateral makes the lender willing to work with you without considering your credit history.

Get a credit card cash advance

If you have a credit card, you may be able to withdraw $100 from an ATM or bank. While fees are high and interest applies immediately, this option is convenient and doesn’t require additional applications. Use this method only if you need cash instantly and have exhausted other options. Pay the money back as soon as possible to minimize interest charges.

Try a peer-to-peer lending platform

Peer-to-peer (P2P) lending platforms allow you to request loans directly from individual investors and businesses. You bypass banks and may be able to borrow without stringent requirements. P2P loans are often more accessible if you have poor credit or a limited credit history. Approval isn’t always instant, but some platforms expedite small loans.

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How to apply for a $100 loan with no credit

Applying for a small loan with no credit or poor credit is easier than you think. Many lenders catering to borrowers with scores under 690 emphasize income and employment rather than credit history.

Select a lender with a low credit score requirement or one that does not conduct a hard inquiry.
Submit your application or request a cash advance.
Read the loan agreement to review all fees and repayment schedules before signing.
The lender will send the funds directly to your bank account.

To increase your chances of a fast approval, provide accurate information. The lender may ask about your job, require proof of income, or need your checking account details.

Once you receive the funds, make a plan to repay them. Repaying the loan on time can help you build credit and improve your score. This only works if the lender reports payments to the credit bureaus – Equifax, Experian, and TransUnion.

If building credit is important to you, make sure your lender reports payment activity. Online lenders and credit unions are likelier to report payments than payday lenders, pawn brokers, or cash advance apps.

Frequently asked questions

1. How to get $100 right now?

Consider online lenders with same-day approval and cash advance apps. If you meet the basic requirements, these lenders can send funds to your account in minutes. Some credit unions also offer quick emergency loans.

2. Can I get a $100 loan with bad credit?

Many lenders offer small loans with minimal requirements. Payday lenders, cash advance apps, and some online platforms provide fast cash, no matter your credit score. They often focus on your income and bank account activity instead. While convenient, always review fees and terms before accepting a loan.

3. How do I repay my $100 loan?

How you repay the funds depends on the lender. Some lenders automatically deduct the money from your bank account on your next payday or the agreed-upon date. Others let you make payments in person or online. Ensure you understand the repayment terms and how you will pay the loan before agreeing to it.

4. Is there a guaranteed $100 loan with no credit check?

While no loan is truly “guaranteed,” many lenders that provide no credit check loans have lenient approval criteria. Payday loans, cash advances, and pawnshop loans are all easily accessible.

Bottom line

Small personal loans can help in a pinch. Whether you need to borrow $100 for medical bills, car repairs, or to cover rent, you can find a lender. When your credit score falls in the poor range, your options will be limited. Even so, many lenders are willing to work with borrowers with low scores.

Any time you take out a loan, be sure to repay the funds as agreed. On-time payments can significantly affect your credit score if the lender reports. A higher score will make borrowing easier with better terms in the future.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Paycheck Advance is an earned wage access service and is not a loan or credit product.

3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees. Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

6. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

7. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

8. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

9. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.

10. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

11. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.

12. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

13. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.

14. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

15. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

16. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

17. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

18. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

19. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

20. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

21. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

22. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

23. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

24. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

25. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

26. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

27. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

28. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

29. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

30. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

31. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

32. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

33. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

34. Tipping or not tipping has no impact on your eligibility for SpotMe®.

35. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

36. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

37. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

38. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

39. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

40. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

41. MyPay is only offered in select states

42. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply.

43. Not affiliated with Empower Annuity Insurance Company of America (www.empower.com). Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others. Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $95 for first-time customers; $187 for all others. Instant delivery is optional—see fees in Empower’s Terms. Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor's credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor's degree in journalism and an MBA.

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How to Get a 100 Dollar Loan Fast

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