Chime SpotMe®
While not a personal lender like OppLoans, Chime SpotMe is a free overdraft feature that will “spot” you between $20 and $200 if you overdraw your Chime checking account. The feature is available for Chime customers with an active debit card who receive at least $200 in eligible direct deposits every month.
To activate the feature, go into your Chime app settings and switch on the Overdraft fee-free option. You can view your SpotMe overdraft limit underneath this option. While overdraft limits are between $20 and $200 only, it's a handy feature for getting extra cash with no added fees or interest charges, like OppLoans.
- Available in all states
- Can be used for ATM withdrawals
- Potentially qualify for $200 in overdrafts
- Easy to switch on overdraft feature
- SpotMe limits start at $20
- SpotMe doesn't cover bill pay or P2P transfers
- Must be used with Chime checking account
Loan amount | $20 - $200 |
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Interest rate type | Fixed |
Loan Term | N/A |
Turnaround time | Same day |
Loan amount | $20 - $200 |
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Turnaround time | Same day |