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, installment loan and payday loan apps that work with this fintech company.
The 7 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 seven other cash advance apps that work with Chime:
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 – 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 means 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 $100 a day to a linked bank account, or more than $100 per day to an EarnIn card, if eligible. Regular transfers are available in one to three business days or in minutes for a fee.
Not available in: Connecticut
Pros
No credit check required
No mandatory fees, interest or tipping
Cash Out more than $100 per day with an EarnIn card
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 $250 compared to SpotMe's up to $200 limit — and new users are approved for $40 to $100 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
$250 advance limit is lower than SpotMe
$5.99 monthly subscription fee
$3.99 express fee for same-day funding
Loan amount
$40 - $250
Interest rate type
Fixed
Loan Term
Next deposit
Turnaround time
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Loan amount
$40 - $250
Turnaround time
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express 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 — $250 for Brigit instead of up to $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 $8.99 to $14.99 monthly membership fee 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
$8.99 to $14.99 monthly membership fee monthly fee
Instant delivery isn't available to everyone
Loan amount
$50 - $250
Interest rate type
Fixed
Loan Term
Varies
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, 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 $14.99 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 $14.99 per month
New customer sign-up bonus with select affiliate links
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
Undisclosed-monthly fee is higher than SpotMe
Fees may range from $3 to $15 for immediate transfer.
Empower is a cash advance app that can provide you 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.
Available in all states
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
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 $1000 limit when you open a RoarMoney account or join Credit Builder Plus.
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
Pros
$500 maximum advance limit
Ability to unlock $1000 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
$50 - $500
Interest rate type
Fixed
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
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.
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 see which cash advance, payday loan and installment loan apps will or won’t work with the banking app.
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 Qualifying $200 direct deposits into Chime checking account each month. Chime debit or Credit Builder card.
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 up to $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 you can use Chime.
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.
Cassidy Horton is a freelance personal finance copywriter and past contributing writer for Finder. Her writing and banking expertise have been featured in Forbes Advisor, Money, The Balance, Money Under 30, Insure.com, and other top digital publishers. She holds a BS in public relations and an MBA from Georgia Southern University. See full bio
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