Chime SpotMe®
4.2 / 5 ★★★★★
One of Brigit's biggest advantages is its overdraft feature, but Chime has that too. It's called Chime SpotMe, and if you already use Chime, it's a great option to check out. It offers small, no-fee advances from $20 to $200 to protect you from overdraft fees. However, your limit starts at $20 and may increase to the max $200 over time with regular deposits and a positive account balance.
SpotMe has no obligation to tip, and there are no fees. The only requirement for SpotMe is that you've deposited at least $200 into your Chime account in the last 34 days. In addition to Chime SpotMe, the Chime app offers early paycheck access, no-monthly fee checking accounts, secured credit cards and saving tools. In addition to Chime's banking and overdraft features, it gets pretty decent reviews across the app stores, BBB and Trustpilot.
- Available in all states
- Overdraft protection feature
- No interest or tip requirement
- Full-service banking app
- Only one requirement for SpotMe
- Decent customer reviews
- Lower cash advance amount than most apps
- Maximum SpotMe advance starts at $20
Loan amount | Up to $200 |
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Loan Term | Next deposit |
Turnaround time | Instant |
Loan amount | $20 - $200 |
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Turnaround time | Instant |