8 Best Cash Advance Apps That Work With Chime (2026)

Varo offers cash advances of $20 to $700 with up to 30 days to repay, more time than most apps, which often require repayment within 14 days. There are no credit checks, late fees, or tipping prompts and funds usually arrive the same day.

Varo also works with Chime through its “Varo to Anyone” feature, allowing you to send money to Chime users using just their phone number or email. To qualify, you'll need an active Varo account and at least $800 in qualifying direct deposits over the past 30 days. Fees range from $1.60 to $100 depending on the amount you borrow.

• Why we like it

  Varo offers cash advances of $20 to $700 with up to 30 days to repay, more time than most apps, which often require repayment within 14 days. There are no credit checks, late fees, or tipping prompts and funds usually arrive the same day.

  Varo also works with Chime through its “Varo to Anyone” feature, allowing you to send money to Chime users using just their phone number or email. To qualify, you'll need an active Varo account and at least $800 in qualifying direct deposits over the past 30 days. Fees range from $1.60 to $100 depending on the amount you borrow.

• Pros and cons

  Pros

  • 30 day repayment window
  • No monthly membership fee
  • Same-day advances up to $250 without extra fees

  Cons

  • Fees can run as high as $100 depending on borrowed amount
  • Low starting advance limits
  • Must have Varo bank account

• More details

  Loan amount	Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.
  Loan Term	30 days
  Turnaround time	Instant, once qualified

• Partner terms and conditions

  Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.

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.

• Available in all states

• Why we like it

  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 and cons

  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

• More details

  Loan amount	$20 to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

EarnIn's Cash Out feature lets you borrow up to $1,000 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.

• Not available in: Connecticut, District of Columbia

• Why we like it

  EarnIn's Cash Out feature lets you borrow up to $1,000 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 and cons

  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

• More details

  Loan amount	Up to $150/day, with a max of $1000 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1-2 business days standard, in minutes with a small fee

• Partner terms and conditions

  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.

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.

• Available in all states

• Why we like it

  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 and cons

  Pros

  • Up to $500 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

• More details

  Loan amount	$50 to $500
  Loan Term	Until your next payday, but can extend
  Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.

• Partner terms and conditions

  ME: $25-$250 only

Albert is a popular all-in-one money app that provides up to $1,000 to members. You don't need a subscription to use Albert Instant, it's available to any eligible Albert member subject to eligibility requirements.

Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with Albert Instant, these features help users manage short-term cash gaps and stay on top of their finances.

• Why we like it

  Albert is a popular all-in-one money app that provides up to $1,000 to members. You don't need a subscription to use Albert Instant, it's available to any eligible Albert member subject to eligibility requirements.

  Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with Albert Instant, these features help users manage short-term cash gaps and stay on top of their finances.

• Pros and cons

  Pros

  • Advance up to $1,000
  • Transfer funds straight to your account within minutes

  Cons

  • Fees to transfer funds to external account
  • Mixed customer reviews

• More details

  Loan amount	$25 to $1,000
  Loan Term	2 weeks
  Turnaround time	Within minutes

• Partner terms and conditions

  Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.

Current offers a cash advance service that allows you to access up to $1,000 from your upcoming paycheck without charging any monthly fees, interest, or requiring a credit check. To qualify, you need to receive at least $500 in eligible direct deposits into your Current account. Repayment is automatically deducted from your next paycheck. The service is free unless you opt for instant delivery, making it a low-cost way to cover short-term expenses.

• Not available in: Wisconsin

• Why we like it

  Current offers a cash advance service that allows you to access up to $1,000 from your upcoming paycheck without charging any monthly fees, interest, or requiring a credit check. To qualify, you need to receive at least $500 in eligible direct deposits into your Current account. Repayment is automatically deducted from your next paycheck. The service is free unless you opt for instant delivery, making it a low-cost way to cover short-term expenses.

• Pros and cons

  Pros

  • BBB-accredited
  • Available in all 50 states
  • No interest or monthly subscription fees

  Cons

  • Advance amount based on direct deposits
  • Can take up to 3 days to receive funds (for free)
  • Instant deposit requires a fee

• More details

  Loan amount	$50 to $1,000
  Loan Term	Next deposit
  Turnaround time	Up to 3 days or within an hour for a fee

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.

• Not available in: District of Columbia

• Why we like it

  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.

• Pros and cons

  Pros

  • Borrow up to $500
  • Includes budgeting features
  • Has a high-yield savings account

  Cons

  • Undisclosed monthly fee is higher than Chime
  • Fees up to $25 for fast transfers

• More details

  Loan amount	Up to $500
  Loan Term	Varies
  Turnaround time	Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee

Tilt is a cash advance app that can provide you with up to $500 between paydays. You can also get free instant delivery when you accept funds onto your Tilt 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.

• Not available in: Connecticut, District of Columbia, Maine

• Why we like it

  Tilt is a cash advance app that can provide you with up to $500 between paydays. You can also get free instant delivery when you accept funds onto your Tilt 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 and cons

  Pros

  • $300 maximum advance limit
  • $0 instant delivery to your Tilt debit card
  • Tipping is optional

  Cons

  • $8 monthly subscription fee
  • Instant delivery fee applies for external bank accounts

• More details

  Loan amount	$10 to $400
  Loan Term	Until your next payday
  Turnaround time	Next business day to a linked bank account or within 1 minute to a Tilt debit card for free; instant delivery to a linked bank account is available for a fee.