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100 Dollar Loan

Need $100? The Cheapest Ways to Get It Fast

Page last reviewed: October 28, 2026 · Reviewed for accuracy by Betty Walsh

Borrowing $100 is about fees, not interest. A $5 fee is 5% of the loan, and a $15 payday fee is 15% for about two weeks. Compare the real cost of $100 from each option, then request it online if a loan is the right fit.

  • Chime SpotMe can cover up to $200 with no fee for eligible members
  • U.S. Bank's Simple Loan starts at $100 and costs $6
  • Bank of America's Balance Assist and most personal loans don't go as low as $100
Check Your $100 Options Compare $100 Costs

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Your loan amount

$100
Cheapest bank option$6 at U.S. Bank
Chime MyPay instant fee$3 on $100
Typical payday fee$10–$30
FundingMinutes to a few business days
Check Your $100 Options

Free · No obligation. LendUp is not a lender. When you submit a request, we share your information with lenders in our network, who may contact you. A request doesn't guarantee an offer.

What $100 Really Costs, Option by Option

On a small loan, judge the fee as a share of what you borrow. These are the costs for exactly $100.

Option Cost on $100 Share of the $100 Catch
Chime SpotMe $0 0% Covers card purchases and cash withdrawals, not transfers; needs $200+ in direct deposits in 34 days
Chime MyPay $0 standard, $3 instant 0–3% Only for Chime direct deposit customers
Experian Cash No interest; optional express fee 0% unless you pay for speed Not available in every state; one advance at a time
Dave ExtraCash $5 minimum fee, plus up to $5 a month 5–10% The membership fee can double the cost of a $100 advance
U.S. Bank Simple Loan $6 6% Repaid over 3 months; checking account open 6+ months
Payday loan $10–$30 10–30% for about 2 weeks At $15, that's about 391% APR

From each provider's published terms, checked October 27, 2026. Payday fees vary by state.

Options That Don't Go as Low as $100

Some of the cheapest small-dollar products have minimums above $100, so they're off the table unless you borrow more.

  • Credit union PAL I: starts at $200. PAL II has no minimum, but not every credit union offers it.
  • Bank of America Balance Assist: lends $300 to $500 for a flat $15.
  • Mainstream personal loans: minimums usually run into the thousands; Discover's is $2,500.

Watch the Repayment Date

A $100 loan rarely goes wrong at the start. It goes wrong when the repayment hits an account that's short.

  • Payday lenders, and many apps, collect by pulling the money from your bank account on the due date.
  • If your balance is too low, the payment can fail or overdraw your account, and your bank and the lender may each charge a fee.
  • If you can't cover it, ask to move the date or set up a payment plan before the due date, not after.

$100 Loan Questions

How can I borrow $100 immediately?

If you qualify for Chime SpotMe, purchases and withdrawals up to your limit are covered right away. Chime MyPay, Dave and EarnIn can send $100 in minutes for an express fee, and U.S. Bank customers can get a Simple Loan within minutes of approval.

Where can I borrow $100 until payday?

Cash advance and earned-wage apps are built for exactly this and take repayment from your next deposit. A payday loan works the same way at a higher price: $10 to $30 for about two weeks.

Where can I borrow $50 right now?

Most advance apps lend small amounts: Chime MyPay starts at $20, and Dave and Experian Cash at $25. Cash App Borrow lets eligible users take as little as $20.

Is a payday loan worth it for $100?

Usually not if an app or your bank can help. A $15 fee on $100 for two weeks is about 391% APR, due in one payment. If it's your only option, borrow exactly what you need. Check your state's rules.

Still need the $100?

LendUp is free to use because lenders pay us. One request, no obligation, and the full cost is shown before you sign.

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Other Loan Amounts

$200 loans $255 loans All amounts

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