Here's How to Get a Quick $100 Loan Today

Need Cash Fast? Here’s How to Get a Quick $100 Loan Today

Life occasionally throws you with unexpected bills—a surprise bill, a car repair, or simply running low before your next paycheck. When you’re in a pinch and need cash quickly, even a little bit like $100 can go a long way. Luckily, there are a few ways to get a fast $100 loan without having to jump through too many hoops. Here’s how you can do it—efficiently and safely.

Cash Advance Apps

One of the quickest and easiest methods to borrow $100 in today’s digital world is by using a cash advance app. Apps such as Earnin, Brigit, Dave, and MoneyLion enable users to get small sums of money before receiving their paycheck. The majority of these services don’t incur traditional interest rates but instead require optional tips or a low monthly subscription.

To access these apps, you will typically require:

A regular income or weekly paycheck
A checking account
A direct deposit history

After approval, money can be deposited to your account instantly or within one business day, depending on the app.

Payday Loans (Use With Caution)

Payday loans are short-term, high-cost loans that can get you $100 fast—sometimes in minutes. They’re offered by storefront lenders and online lenders. But the charges can be very high, and if paid late, can lead to a debt trap.

If you are thinking of a payday loan, be sure to:

Know the total cost, including fees and interest
Borrow only what you really need
Have a plan for paying it back
This should only be considered if there are risks associated.

Credit Union or Bank Small-Dollar Loans

Some credit unions provide small-dollar loans, which are significantly less risky than payday loans. They are also known as “Payday Alternative Loans” (PALs). You might need to be a credit union member for a specific period, but the loans will generally have:

Lower interest rates
Clear repayment terms
No prepayment penalties

If you’re already a member of a local credit union, ask them about small loan options—they may be able to approve and fund the loan within the same day.

Borrow from Friends or Family

It’s sometimes hard to do, but getting a $100 loan from a friend or family member can be the quickest and lowest-cost. There is no paperwork, no credit check, and no interest, and you can usually arrange to pay them back on convenient terms. Just remember to:

Be upfront with when you’re able to pay it back
Write down the agreement if possible
Treat it as an actual loan in order to keep trust intact

Sell Something of Value

If you don’t want to borrow, try selling something you don’t need. You can easily post items such as electronics, clothing, or furniture on sites like Facebook Marketplace, Craigslist, or OfferUp. It’s a quick way to earn $100 or more, and you won’t have to worry about paying back a loan later.

Do a Quick Gig or Side Hustle

Thanks to gig apps, you can earn $100 within a day or two doing small jobs. Try:

Driving for Uber or DoorDash
Delivering groceries with Instacart
Taking tasks on TaskRabbit
Freelancing on Fiverr or Upwork
Even simple things like dog walking, babysitting, or yard work can bring in cash fast if you reach out to your local network.

Final Thoughts

Desperately needing $100 in a hurry is nerve-wracking, but there are more avenues than you can imagine. If it’s a cash advance program, a tiny loan from a credit union, or a brief side gig, the secret is to select one that suits your circumstances without subjecting yourself to long-term economic hardship.

Be sure to read the fine print, borrow judiciously, and plan for how you’re going to repay it—your future self will appreciate it.