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6 cash advance apps that work with Chime

Many pay advance apps don’t work with this online bank — but here are six that do.

Chime users have had trouble using cash advance apps like Brigit and FloatMe because of connectivity issues. Thankfully, with those issues now resolved, there are even more cash advance apps that work with this fintech company.

The 6 best apps that work with Chime

If you already have a Chime Checking account, your easiest cash advance option is to use SpotMe through the Chime app.

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

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

Best for flexible repayment: Brigit

Brigit

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 — $250 for Brigit instead of $200 for SpotMe.

Standard delivery takes up to three business days. Select customers can get free rush 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 $9.99 a month while SpotMe is free.

  • Available in all states
Pros
  • Up to $250 in cash advances
  • Extend due date up to three times
  • Free instant delivery for select customers
Cons
  • $9.99 monthly fee
  • Instant delivery isn't available to everyone
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time1 to 3 days or same-day in some circumstances

Best for a full banking experience: MoneyLion

MoneyLion Instacash advances

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 — already higher than Chime. And you can unlock a $300 limit when you open a RoarMoney account or join Credit Builder Plus.

  • Available in: Alabama, Arizona, California, Delaware, Florida, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Mississippi, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
Pros
  • $500 maximum advance limit
  • Ability to unlock $300 limit
  • Full suite of financial products
Cons
  • $0 standard delivery can take up to five business days
  • Fees of $1.99 to $7.99 for same-day funding
  • New users may have a $25 advance limit to start
Loan amount$25 - $500
Interest rate typeFixed
Loan TermVaries
Turnaround time3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account

Best for all-in-one app: Albert

Albert

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, cash advances up to $250, subscription monitoring, financial advice, investing and more. On top of that, the core features of the app don't require paying a monthly fee. Additional features that require $4 per month are investing and financial advice — and that monthly fee is less than other cash apps out there. Albert also gives you a debit card and free access to over 55,000 ATMs in stores like Walgreens and Target. However, a common thread in customer complaints is poor customer service.
  • Available in all states
Pros
  • Many free features
  • Free debit card with ATM access
  • Optional monthly fee only $4 per month
  • New customer sign-up bonus with select affiliate links
Cons
  • Negative reviews cite poor customer service
  • No check deposit mobile feature
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time2 to 3 days

Best for staying on budget: Dave

Dave ExtraCash

Dave is another popular cash advance app that works with Chime. Customers like it because it analyzes your spending patterns, helps you avoid over drafting and comes with early paydays — all of which can help you stay on budget.

Beyond that, Dave’s cash advance limit is $500 — $50 higher than Chime’s. And unlike Chime, which only covers overdrafts on your account, you can use your Dave advance for anything.

  • Available in all states
Pros
  • Borrow up to $500
  • Tipping is optional
  • Free credit builder program for one year
Cons
  • $1-monthly fee is higher than SpotMe
  • Fees of up to $5.99 for same-day funding
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

Best for frequent advances: Cleo

Cleo

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 is way 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 $100 compared to SpotMe’s $200 limit — and new users are approved for $20 to $70 at first.

  • Available in all states
Pros
  • New advance available 24 hours after payoff
  • One-time due date extension
  • Budgeting and saving tools through app
Cons
  • $100 advance limit is lower than SpotMe
  • $5.99 monthly subscription fee
  • $3.99 express fee for same-day funding
Loan amount$20 - $100
Interest rate typeFixed
Loan TermVaries

Best for free instant delivery: Empower

Empower Cash Advance

Empower is a cash advance app that can provide you up to $250 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.

  • Available in all states
Pros
  • $250 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 - $250
Interest rate typeFixed
Loan TermRepay automatically with your next paycheck
Turnaround timeSame day, instant delivery available

How we chose these providers

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

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 as long as you have an active Chime debit card and have received at least Single qualifying $200 direct deposit into Chime checking account in the last 34 days..

The biggest disadvantage with Chime is that it doesn’t play nice with other cash advance apps. If you don’t qualify for Chime or its $200 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.

To find out if you’re eligible to use Chime with Earnin, you’ll know when you’re choosing a bank during the app setup. If you choose Chime from the banking list, you’ll see a message on whether or not you can use Chime or not.

Alternatives to cash advance apps for Chime customers

Cash advance apps are best if you need small sums of money between paydays. The maximum loan amount is typically around $250. And in most cases, new users can’t borrow more than $50 at a time until they’ve used the app for several months.

If cash advance apps are too restrictive for your needs, consider alternatives that include:

  • 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 will be charged 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.
  • Local resources. Many cities and states support local programs to help you cover food, utilities and rent when money’s tight. Consider looking into these resources if you tend to 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.

These six cash advance apps that work with Chime aren’t your only means of getting a short-term loan when you need it. Compare other cash advance apps or payday loan alternatives before you make a final decision.

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