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7 Best Cash Advance Apps That Work With Chime in 2024

Some cash advance apps don’t work with this online bank — but here are seven that do.

Chime users have had trouble using cash advance apps like Brigit and FloatMe because of connectivity issues. Thankfully, with some of those issues now resolved, there are even more cash advance, installment and payday loans that accept Chime.

The 7 best cash advance apps that work with Chime

If you already have a Chime® Checking Account, your easiest cash advance option is to use SpotMe overdraft protection through the Chime app. Or, if you’re in an eligible state, you may qualify for Chime MyPay, which offers advances up to $500.

To explore other options, here are the seven best cash advance apps that work with Chime:

  • Best for frequent advances: Cleo
  • Best for employees: EarnIn
  • Best for flexible repayment: Brigit
  • Best for all-in-one app: Albert
  • Best for staying on budget: Dave
  • Best for free instant delivery: Empower
  • Best for a full banking experience: MoneyLion

Best for frequent advances

Cleo

4.1
★★★★★

Finder score

Go to site Read review
Loan amount$20 - $250
Turnaround time3 to 4 days or instant for a fee.
Costs$5.99 monthly membership fee to access cash advances
  • Available in all states

Best for employees

EarnIn

4.7
★★★★★

Finder score

Go to site Read review
Loan amountUp to $750
Turnaround time1 to 3 business days or instant for a fee
CostsFree to use or instant with a fee as low as $3.99.
  • Not available in: Connecticut

Best for flexible repayment

Brigit

4.2
★★★★★

Finder score

Go to site Read review
Loan amount$50 - $250
Turnaround time2 to 3 business days or instant with a Premium subscription or for a fee.
CostsFree: $0/month; Brigit Plus: $9.99/month; Brigit Premium: $14.99/month
  • Available in all states

Best for all-in-one app

Albert

4.4
★★★★★

Finder score

Go to site Read review
Loan amount$25 - $250
Turnaround timeInstant
Costs$14.99 monthly subscription to access overdraft protection
  • Available in all states

Best for staying on budget

Dave ExtraCash

4.2
★★★★★

Finder score

Go to site Read review
Loan amountUp to $500
Turnaround timeUp to 3 business days or instant for a fee
CostsUndisclosed
  • Available in all states

Best for free instant delivery

Empower Cash Advance

Go to site Read review
Loan amount$10 - $300
Turnaround timeNext day or instant to Empower Card or for a fee
  • Available in all states

Best for a full banking experience

MoneyLion Instacash advances

4.5
★★★★★

Finder score

Read review
Loan amount$50 - $500
Turnaround timeUp to 5 days or instant for a fee of $0.49 to $8.99
Costs$19.99 monthly fee if you have a Plus membership
  • Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming

How we chose these providers

We compared multiple cash advance apps that were compatible with Chime and compared loan amounts, turnaround times, subscription fees, the time between advances and eligibility requirements.

Does my cash advance app work with Chime?

If you have a favorite app that didn’t make our list, it might still work with your Chime account. Take a look at our table to discover other cash advance same-day loans that accept Chime.

ProviderTypeWorks with Chime?
AlbertOverdraft protection
  • Yes
B9Cash advance
  • Yes
BeemCash advance
  • Yes
BranchPaycheck advance
  • Yes
BrigitCash advance
  • Yes
Cash App BorrowCash advance
  • Yes
CleoCash advance
  • Yes
Credit GenieCash advance
  • Yes
CurrentPaycheck advance
  • Yes
DailyPayEarned wages advanceUnclear
DaveCash advance
  • Yes
EarnInEarned wages advanceFor limited users
EmpowerCash advance
  • Yes
Float MeCash advance
  • No
GeraldCash advance
  • No
Go2BankOverdraft protection
  • No
GridCash advance
  • Yes
KloverCash advance
  • Yes
MoneyLionCash advance
  • Yes
One@WorkPaycheck advance
  • No
PayactivEarned wages advance
  • No
SoLo FundsPeer-to-peer advances
  • No
Super.comCash advanceUnclear
VaroCash advance
  • Yes
VolaCash advance
  • No
WiselyEarned wages advance
  • No

Other short-term loan providers that work with Chime

Aside from cash advance apps, some other short-term loans also work with Chime.

ProviderTypeWorks with Chime?Link
ACE Cash ExpressPayday or installment loan
  • Yes
Advance AmericaPayday loan
  • No
CashNetUSAPayday loan
  • Yes
Check Into CashPayday loan
  • Yes
CreditNinjaInstallment loan
  • Yes
Fast 5K LoansConnection serviceVaries by lender
LendupConnection serviceVaries by lender
LendYouConnection serviceVaries by lender
Money MutualPayday loan
  • Yes
NetCreditPersonal loan
  • Yes
OppLoansInstallment loan
  • Yes
Possible FinanceInstallment loan
  • No
SorbetPTO advance
  • No
Speedy CashPayday loan
  • Yes
SpotloanInstallment loan
  • Yes

Should I stick with Chime?

Chime offers a solid checking account with no fees, early paydays — and, most importantly, free overdraft protection that will “spot you” up to $200 until your next paycheck.

Unlike other cash advance apps that work with Chime, SpotMe is instant, which means you don’t have to request it. When the app sees that you’ve overdrawn on your account, it simply covers the balance until you get paid again.

SpotMe’s eligibility requirements are easier than other cash advance apps that work with Chime. You’re golden if you have an active Chime debit card and receive at least $200 in qualifying direct deposits into your Chime checking account each month.

Chime also has a new cash advance feature, MyPay, that offers advances up to $500. You’ll pay a $2 fee for instant transfers, but it’s free if you can wait two days. The only problem is that MyPay isn’t available in every state just yet.

The biggest disadvantage with Chime is that it doesn’t play nice with all cash advance apps and loan providers. If you don’t qualify for Chime, or its $200 overdraft limit is too low, it may be worth switching to a free checking account that works with more cash advance apps.

Does the EarnIn app work with Chime?

Sort of. At the time of writing, EarnIn is allowing a small group of test users that bank with Chime to use EarnIn. Since Chime users receive their payment two days before their scheduled payday, EarnIn states it makes it difficult to support Chime users.

You’ll find out if you’re eligible to use Chime with EarnIn when choosing a bank during the app setup. If you select Chime from the banking list, you’ll see a message on whether you can use it.

Alternatives to cash advance apps for Chime customers

Cash advance apps are helpful if you need small sums between paydays. The maximum loan amount is typically around $250, although a few go up to $500 or more. And, in most cases, new users can’t borrow more than $50 at a time until they’ve used the app for a few months.

If cash advance apps aren’t right for your needs, consider these alternatives:

  • 0% credit cards. Instead of getting a cash advance, you could apply for a credit card with a 0% introductory rate and get no-interest financing on purchases for up to 18 months or more.
  • Local resources. Many cities and states support local programs to help you cover food, utilities and rent when money is tight. Consider looking into these resources if you rely on cash advance apps to get by.
  • Credit counseling. A credit counselor can help you create a plan to bring your spending back in line with your income. And in some cases, they may be able to find enough “free money” in your budget to avoid borrowing money at all.
  • Credit card cash advance. If you need money in a pinch, consider withdrawing cash from your credit card. You’ll pay a transaction fee, and interest starts accruing immediately without a grace period, but your limit could be higher than a cash advance app. Cash advances come with a high interest rate, so consider a card like the PenFed Platinum Rewards Visa Signature® Card that offers a lower-than-average cash advance rate. PenFed also doesn’t charge transaction fees for cash advances, unlike most cards.

Bottom line

These seven cash advance apps that work with Chime aren’t your only means of getting a short-term loan. Compare other cash advance apps or payday loan alternatives before you decide.

Megan B. Shepherd's headshot
To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
Lacey Stark's headshot
Written by

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

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