Can I borrow $100 somewhere without it costing me $30 in fees?

I'm trying to figure out the cheapest way to borrow $100 for about a week. I know that sounds like a weird question but hear me out.

I have a bill autopay set up and I realized I don't have enough in my account to cover it. If it bounces my bank charges me $35 NSF fee. So I need $100 in my account for about 5 days until my paycheck clears.

I'm trying to figure out if there's a way to borrow $100 that costs less than $35. That's my actual benchmark. If the fees are more than $35 I'm better off just letting the payment bounce.

I've looked at cash advance apps but most of them take 3 to 5 days for free transfers. I need it faster than that. Has anyone found a way to borrow a small amount quickly for a reasonable fee?