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:
With its 24-hour cooling-off period between loans, Cleo allows you a new advance only one day after paying off your previous one. This cooling-off period is faster than other cash advance apps that make you wait three to five days between advances.
On the downside, Cleo's cash advance limit is only $250 compared to MyPay's up to $500 limit — and new users are usually only approved for $20 to $100 at first.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Available in all states
With its 24-hour cooling-off period between loans, Cleo allows you a new advance only one day after paying off your previous one. This cooling-off period is faster than other cash advance apps that make you wait three to five days between advances.
On the downside, Cleo's cash advance limit is only $250 compared to MyPay's up to $500 limit — and new users are usually only approved for $20 to $100 at first.
Pros
New advance available 24 hours after payoff
One-time due date extension
Budgeting and saving tools through app
Cons
$250 advance limit is lower than some competitors
$5.99 monthly subscription fee
$3.99 to $9.99 fee for same-day funding
APR
0%
Loan amount
Up to $250
Loan Term
Next deposit
Turnaround time
3 to 4 days or instant for a fee.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
EarnIn's Cash Out feature lets you borrow up to $750 of your earned wages before payday, and unlike other apps — like DailyPay or PayActiv — it doesn't require employer participation.
Right now, EarnIn to Chime transfers are supported for select Chime users. To see if you qualify, check your bank selection list inside the app. If you see Chime listed, it's supported.
To use EarnIn Cash Outs, you need to be employed, have regular direct deposits and receive a minimum of $320 per pay period. You can transfer up to $150 a day to a linked bank account or, if eligible, more than $150 to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee.
Loan amount
Up to $750
Turnaround time
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Not available in: Connecticut
EarnIn's Cash Out feature lets you borrow up to $750 of your earned wages before payday, and unlike other apps — like DailyPay or PayActiv — it doesn't require employer participation.
Right now, EarnIn to Chime transfers are supported for select Chime users. To see if you qualify, check your bank selection list inside the app. If you see Chime listed, it's supported.
To use EarnIn Cash Outs, you need to be employed, have regular direct deposits and receive a minimum of $320 per pay period. You can transfer up to $150 a day to a linked bank account or, if eligible, more than $150 to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee.
Pros
No credit check required
No interest or mandatory tipping
Cash Out more than $150 per day with an EarnIn card
Cons
Not all Chime users are supported
Verification of employment earnings required
Same-day (Lightning) transfers attract a fee
Can only qualify with employment income
APR
0%
Loan amount
Up to $150/day, with a max of $750 between paydays
Loan Term
1 to 4 weeks
Turnaround time
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.
Loan amount
Up to $750
Turnaround time
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Brigit lets you extend your due date up to three times, making it a useful option if you need flexible repayment options. Its cash advance limit is also slightly higher than SpotMe's $200 limit.
Standard delivery takes up to three business days. Select customers can get free, fast funding in only 20 minutes, although Brigit's site isn't clear on who qualifies. The biggest downside is Brigit's fee — the app costs $8.99 to $14.99 a month.
Loan amount
$50 - $250
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Brigit lets you extend your due date up to three times, making it a useful option if you need flexible repayment options. Its cash advance limit is also slightly higher than SpotMe's $200 limit.
Standard delivery takes up to three business days. Select customers can get free, fast funding in only 20 minutes, although Brigit's site isn't clear on who qualifies. The biggest downside is Brigit's fee — the app costs $8.99 to $14.99 a month.
Pros
Up to $250 in cash advances
Extend due date up to three times
Free instant delivery for select customers
Cons
$8.99 to $14.99 monthly membership fee
Instant delivery isn't available to everyone
Loan amount
$50 to $250
Loan Term
Until your next payday, but can extend
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Loan amount
$50 - $250
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Albert is a fintech app powered by Sutton Bank. Not only does it work with Chime, but it also provides loads of features such as early access to paychecks, overdraft protection up to $250, subscription monitoring, financial advice, investing and more.
On top of that, many core features of the app don't require paying a monthly fee. However, a Genius subscription of $11.99 a month is required to access certain features, such as cash advances. Albert also gives you a debit card and free access to over 55,000 ATMs in stores like Walgreens and Target. But, a common thread in customer complaints is poor customer service.
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$11.99 monthly subscription to access overdraft protection
Available in all states
Albert is a fintech app powered by Sutton Bank. Not only does it work with Chime, but it also provides loads of features such as early access to paychecks, overdraft protection up to $250, subscription monitoring, financial advice, investing and more.
On top of that, many core features of the app don't require paying a monthly fee. However, a Genius subscription of $11.99 a month is required to access certain features, such as cash advances. Albert also gives you a debit card and free access to over 55,000 ATMs in stores like Walgreens and Target. But, a common thread in customer complaints is poor customer service.
Pros
Many free features
Free debit card with ATM access
New customer signup bonus with select affiliate links
Cons
Requires Genius subscription for $11.99 a month
Negative reviews cite poor customer service
No check deposit mobile feature
Loan amount
$25 to $250
Loan Term
Within 6 days of overdraft, with possible 7-day extension
Turnaround time
Instant
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$11.99 monthly subscription to access overdraft protection
Dave is another popular cash advance app that works with Chime. Customers like it because it analyzes your spending patterns, helps you avoid overdrafting and comes with early paydays — all of which can help you stay on budget.
Beyond that, Dave's cash advance limit is $500, higher than some apps.
Loan amount
Up to $500
Turnaround time
Up to 3 business days or instant for a fee
Costs
Undisclosed
Available in all states
Dave is another popular cash advance app that works with Chime. Customers like it because it analyzes your spending patterns, helps you avoid overdrafting and comes with early paydays — all of which can help you stay on budget.
Beyond that, Dave's cash advance limit is $500, higher than some apps.
Empower is a cash advance app that can provide you with up to $300 between paydays. You can also get free instant delivery when you accept funds onto your Empower debit card.
If you use an external bank account like Chime, expect to pay up to $8 for one-hour funding. Otherwise, you can wait one business day for free standard delivery.
Loan amount
$10 - $300
Turnaround time
2 to 5 days to linked bank account or Empower Card for free, instant to bank account for a fee
Available in all states
Empower is a cash advance app that can provide you with up to $300 between paydays. You can also get free instant delivery when you accept funds onto your Empower debit card.
If you use an external bank account like Chime, expect to pay up to $8 for one-hour funding. Otherwise, you can wait one business day for free standard delivery.
Pros
$300 maximum advance limit
$0 instant delivery to your Empower debit card
Tipping is optional
Cons
$8 monthly subscription fee
Instant delivery fee applies for external bank accounts
Loan amount
$10 to $300
Loan Term
Until your next payday
Turnaround time
2 to 5 days to linked bank account or Empower Card for free, instant to bank account for a fee
Loan amount
$10 - $300
Turnaround time
2 to 5 days to linked bank account or Empower Card for free, instant to bank account for a fee
If you want a cash advance app that offers a more traditional banking experience, look to MoneyLion. The app supports a range of products to help you build up your financial toolkit, including investment accounts, crypto accounts, credit-builder loans and debit card rewards.
The standard cash advance limit is $500, and you can unlock a $1,000 limit when you open a RoarMoney account or join Credit Builder Plus.
Loan amount
$50 - $500
Turnaround time
Up 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
If you want a cash advance app that offers a more traditional banking experience, look to MoneyLion. The app supports a range of products to help you build up your financial toolkit, including investment accounts, crypto accounts, credit-builder loans and debit card rewards.
The standard cash advance limit is $500, and you can unlock a $1,000 limit when you open a RoarMoney account or join Credit Builder Plus.
Pros
$500 maximum advance limit
Ability to unlock $1,000 limit
Full suite of financial products
Cons
$0 standard delivery can take up to five business days
Fees of $1.99 to $8.99 for same-day funding
New users may have a $50 advance limit to start
Loan amount
Up to $500 or $1,000 with RoarMoney account
Loan Term
Due by your next pay date
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
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.
Chime offers a solid checking account with no monthly 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.
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
Unemployed and need to borrow money? You may qualify for one of these loans or cash advance apps.
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