Top 9 Cash Advance Apps that Work with Chime

Last Updated on August 13, 2025 by Zero Earners

Are you looking for cash advance apps that work with Chime? Yes? Here are some of the top cash advance apps that work with Chime to help you cover your expenses until payday.

Americans of all generations are struggling financially as living expenses in the U.S. continue to rise and wages struggle to keep pace. This means living paycheck to paycheck.

According to a 2023 survey conducted by Payroll.org, highlighted that 78% of Americans live paycheck to paycheck, a 6% increase from the previous year. In other words, more than three-quarters of Americans struggle to save or invest after paying for their monthly expenses. You can read the full article on “Living Paycheck To Paycheck” on Forbes.

It’s no surprise that many people are turning to cash advance apps. When you have bills to pay before payday, cash advance apps come in handy.

Chime is one of the popular online banking apps. If you have a Chime checking account, you may be wondering if any cash advance apps accept Chime.

In this post, I’ll introduce some of the top cash advance apps that work seamlessly with Chime. Before that, let’s know about Chime and cash advance apps.

What is Chime?

Chime is a financial technology company that offers fee-free online banking services, unlike traditional banks. It provides checking accounts, savings accounts, and debit cards with no monthly fees, overdraft fees, or minimum balance requirements.

Chime is widely known for a mobile-first banking experience, no-fee checking accounts, automatic savings options, and early direct deposit. Chime offers FDIC-insured accounts through partnerships with banks like The Bancorp Bank and Stride Bank, which are accessible through its app.

Chime operates online with no hidden fees. The Chime app simplifies financial management with real-time transaction alerts, automatic savings features, and tools that help track spending habits. One of the best features of Chime is that it allows users to receive their paychecks up to two days early through early direct deposit, which can be a lifesaver for those living paycheck to paycheck.

For such reasons, Chime’s user base continues to grow, particularly among Gen Z and millennials who value convenience, transparency, and speed.

What are Cash Advance Apps?

Cash advance apps allow users to borrow small amounts of money (usually between $50 and $500) before their next paycheck. Essentially, cash advance apps offer short-term loans or advances on earned wages, typically with low or no interest fees, although some may also include optional tips or membership fees.

You must connect your bank account with the cash advance app that you use. The app needs access to your paycheck deposits. You’ll receive advance funds into your account. The repayment amount will be deducted automatically from your next paycheck or bank account.

What are the Benefits of Using Chime with Cash Advance Apps?

There are several reasons why you should pair Chime with cash advance apps. One of the biggest benefits is Chime’s early direct deposit feature. It helps cash advance apps detect and verify your income more quickly, allowing for faster access to funds.

Chime also doesn’t charge overdraft fees, which makes it less risky to link to cash advance apps. If the app deducts the repayment amount and your balance isn’t sufficient, you won’t incur an additional fee, unlike with a traditional bank.

Chime offers a mobile-friendly online banking experience. Since both Chime and cash advance apps are mobile-first platforms, they are compatible, resulting in smoother transactions.

Top Cash Advance Apps that Work with Chime

Chime is a financial digital company that partners with regional banks to provide online banking services. With Chime, you get access to over 60,000 ATMs, fee-free overdrafts up to $200, and tools to build your credit.

Here are some of the top cash advance apps that work with Chime.

1. Chime MyPay

• Cash Advance Amount: $20 to $500
• Fee: No
• Available on: iOS (4.8) and Android (4.4)

Chime itself developed a cash advance product called “MyPay,” which lets you get up to $500 before payday.

If you need a cash advance and have a Chime account, your simplest option is Chime’s MyPay. There are no mandatory fees, no credit checks, and no interest for money when you need it. 

You can get a cash advance within 24 hours into your Chime Checking Account. However, you can get the money instantly for a fee of $2 per advance.

Cash advance limits can range from $20 to $500, depending on factors such as your direct deposit history. Moreover, MyPay is only available in select states, and certain eligibility requirements are applicable.

How to set up with Chime:

MyPay is the product of Chime. Therefore, it’s easy to use and no need to link a separate app.

All you need to do is log in to your Chime app, view your balance, and then select the amount you want to access. It’s that easy.

Unfortunately, you must fulfill two criteria to access the MyPay feature. To access this feature, you’ll need to have received:

• At least two qualifying MyPay direct deposits of $200 or more per deposit within the last 36 days, or
• one qualifying MyPay direct deposit of $200 or more per deposit in the last 36 days, and an additional data source such as your work email or work address during MyPay enrollment, or
• one qualifying MyPay direct deposit of $200 or more per deposit in the last 36 days from a government benefits payer,
• and meet other eligibility requirements in the MyPay Agreement to use MyPay.

For more details, read an in-depth blog about MyPay on Chime.

2. Dave

• Cash Advance Amount: Up to $500
• Fee: No interest and late fees (instant deposit for a small fee)
• Available on: iOS (4.8) and Android (4.4)

Dave is one of the most well-known cash advance apps that work perfectly with Chime. It offers a cash advance of up to $500 in 5 minutes or less¹.

It’s designed to make finances easier—from taking ExtraCash™ to saving for your Goal. You don’t need to have direct deposit to qualify for a cash advance from Dave, unlike Chime’s MyPay. Moreover, the app doesn’t charge interest, has no late fees, and doesn’t require a credit check.

How to set up with Chime:

1. Download the Dave app and create an account.
2. Go to settings in the app.
3. Tap “Linked Bank and Cards.”
4. Choose “Change Bank” and then search for Chime.
5. Use your Chime login credentials to connect your account.
6. Once connected, allow the app to verify your income and spending.
7. Request a cash advance and choose the deposit speed.

You can easily integrate Dave with Chime. All you need to ensure is that your direct deposit is set up with Chime and that you’ve received a few paychecks to help Dave determine your eligibility.

3. EarnIn

• Cash Advance Amount: Up to $750 per pay cycle
• Fee: No mandatory fees
• Available on: iOS (4.7) and Android (3.1)

EarnIn is another financial service that works perfectly with hourly, salaried, and gig workers. It’s another cash advance app that is a favorite among Chime users.

EarnIn allows its users to receive their paycheck up to two days early into their bank account. Moreover, you can access up to $750 per pay period. There is no interest, and a credit check is required.

Here are some key features of EarnIn:

• Early Pay: Your direct deposit lands in your account up to two days sooner—$2 per expedited transfer.
• Lightning Speed: Receive your cash advance instantly with an additional fee starting at $3.99 (depending on your bank).
• Balance Shield: It helps protect against overdraft fees when your balance gets too low.

How to set up with Chime:

1. Download Earnin and set up an account.
2. Link your Chime account via Plaid or manually enter routing/account numbers.
3. Please provide your work schedule or time-tracking information if requested.

Many people are curious to know whether Chime works with EarnIn.

EarnIn allows some Chime users to link their accounts, especially if Chime is their main payroll bank. That way, Earnin can consistently track income and verify deposits quickly.

4. Tilt (formerly Empower)

• Cash Advance Amount: Up to $400
• Fee: No interest and late fees
• Available on: iOS (4.8) and Android (4.7)

Tilt is another popular cash advance app with over 5 million users. Tilt is compatible with Chime and offers a cash advance of up to $400.

Cash advances range from $10 to $400. However, not everyone qualifies for a cash advance offer. They determine each offer based on your current financial situation, including income, expenses, and savings trends. There is no need for a credit check.

You’ll receive your cash advance in three minutes. You can get it instantly for a small fee. They don’t charge any interest or late fees.

How to set up with Chime:

1. Download the Tilt app and create an account.
2. Navigate to the section where it asks to connect your bank or direct deposit account.
3. Connect your Chime account with Plaid.

5. Albert

• Cash Advance Amount: $25-$1,000
• Fee: No interest or late fees
• Available on: iOS (4.6) and Android (4.5)

Albert is more than a cash advance app. It offers up to $1,000 instant advances with no interest. Moreover, there is no credit check or late fees.

You don’t need an Albert subscription to use Instant Advance. However, a transfer fee may apply.

Unfortunately, not all users will qualify for instant advances, and few qualify for $1,000. Albert determines your limit based on a variety of factors, including, without limitation, prior Albert Instant usage and the history & activity of the accounts linked to Albert. Your limit remains subject to change.

Albert’s user interface is clean and user-friendly, which makes it appealing to users who want everything in one place—savings, budgeting, investing, and borrowing.

How to set up with Chime:

1. Download Albert and create an account.
2. Choose Chime when prompted to connect your bank.
3. Grant permission for income verification and transaction history analysis.

Albert works efficiently with Chime, especially if your direct deposit is set up and your account shows consistent financial activity.

6. MoneyLion

• Cash Advance Amount: Up to $500
• Fee: No fee on cash advance
• Available on: iOS (4.8) and Android (5.00)

MoneyLion is another financial technology company that offers up to $500 cash advance to eligible users. It works perfectly with Chime.

Apart from cash advance, it offers a comprehensive suite of digital financial products designed to help users manage, save, borrow, and invest smarter.

MoneyLion offers cash advances through a service called Instacash. You’ll receive a cash advance within 1-5 business days, free of charge. However, you can get it instantly with a small fee. There is no interest, mandatory fees, or credit check.

How to set up with Chime:

1. Download & log in to the MoneyLion app.
2. Go to Settings → Linked Accounts
3. Tap “Link New Account.”
4. Search for Chime in the bank list and enter your account credentials.

7. Cleo

• Cash Advance Amount: Up to $250
• Fee: No interest (instant advance for a small fee)
• Available on: iOS (4.6) and Android (4.1)

Cleo is a financial AI assistant that offers budgeting tools. It helps people to organize their financial habits. Moreover, it offers up to $250 cash advances for users who qualify.

You can request a cash advance by subscribing to Plus or Builder. You can also apply for a cash advance by contacting customer service if you don’t want to subscribe.

You must qualify and go through its standard eligibility checks. You can receive your cash advance for free within 3-4 business days. There is no interest on your cash advance, no matter the amount you request.

How to set up with Chime:

1. Download the Cleo app and create an account.
2. Go to the “Spend” tab.
3. Tap on “Add Account.”
4. Connect your Chime account through Plaid.

8. Klover

• Cash Advance Amount: Up to $200
• Fee: No interest or late fees
• Available on: iOS (4.7) and Android (4.6)

Klover is a unique player in the cash advance industry. It offers up to $200 cash advance even if your payday is two weeks away. It doesn’t charge any interest or late fees. Moreover, there is no need for a credit check.

Klover also works like a reward site. You can earn points for taking surveys and watching videos. Later, you can redeem your points for a bigger cash advance or enter their daily sweepstakes.

How to set up with Chime:

1. Download the Klover app and create your profile.
2. Connect your Chime account through the app.
3. Verify income and grant permissions for account analysis.

9. Brigit

• Cash Advance Amount: Up to $250
• Fee: No interest or hidden fees (subscription fee starts at $8.99)
• Available on: iOS (4.8) and Android (4.2)

Brigit is another well-recognized cash advance app that supports Chime. It offers cash advances and long-term financial insights.

You can get up to $250 cash advances through the Instant Cash feature. There is no credit check, interest, or late fees. You’ll receive your cash advance for free within 2-3 business days.

Unfortunately, you can’t access the Instant Cash advance feature through the free plan. You must subscribe to a paid plan, which starts at $8.99.

How to set up with Chime:

1. Download the Brigit app and sign up.
2. Connect your checking account either via Plaid or manually.
3. Verify your income and allow Brigit to analyze your transaction history.

Quick Comparison of Cash Advance Apps

How to Choose the Best Cash Advance App for Your Needs

Wondering how to choose the best cash advance app? Here are a few key factors to consider before selecting a cash advance app.

1. Fees and Hidden Charges

One of the first things to consider when selecting a cash advance app is its fee structure. Cash advance apps like Dave, Tilt, and MoneyLion don’t charge fees on cash advances. On the other hand, a cash advance app like Brigit requires a subscription to access the cash advance feature.

• Instant transfer fee: All cash advance apps charge a small fee for instant deposit. These can range from $1.99 to $7.99.
• Subscription: Some cash advance apps may require a subscription plan to access the cash advance feature.

Make sure to read the fine print of cash advance apps. A free cash advance app may come with optional features that cost money.

2. Advance Limits and Repayment Terms

It’s essential to analyze the amount of cash advance you can obtain from an app and the repayment expectations. Most cash advance apps deduct repayment when you receive your paycheck. On the other hand, most cash advance apps offer cash advances of up to $200 to $500.

• Smaller limits: Easy to qualify, but may not be enough for major expenses.
• Larger limits: Require longer history and consistent deposits.
• Repayment: Most cash advance apps deduct automatically from your Chime account on payday.

You must choose a cash advance app that perfectly aligns with your financial habits. If your income is unpredictable, choose a flexible repayment option.

3. Customer Service and App Reliability

For a financial company, customer service and app reliability have to be top-notch. If you experience a failed deposit or account linking issue, you’ll need responsive customer support.

Look for apps that provide:

• 24/7 support via chat or email
• Active help centers and knowledge bases
• High ratings on the App Store or Google Play

Cash advance apps that work with Chime should also be reliable during weekends and holidays when banks can be slow to process transactions. Also, read user reviews and update history to see how often the app is improved.

Pros and Cons of Using Cash Advance Apps with Chime

Here are some pros and cons of using cash advance apps with Chime.

Pros:

• Fast Money: You can get a cash advance when you need emergency money. Most app offers same-day or instant transfers to your Chime account.

• No Credit Check: Most cash advance apps don’t require a credit check, which means a swift money transfer.

• Chime Compatibility: All of the above cash advance apps are perfectly compatible with Chime. It means safe and fast transactions.

• No Overdraft Fees: You don’t have to worry about overdraft fees because of Chime’s SpotMe feature.

• Budgeting Tools: All cash advance apps offer budgeting tools to improve your financial habits.

Cons:

• Low Limits: Cash advance apps have limits between $200 to $750, which might not cover bigger expenses.

• Fees: All cash advance apps charge a small fee for instant transfer. On the other hand, some apps encourage tipping and charge subscription fees. However, you can avoid such fees.

• Inconsistent Approval: Not all users qualify for cash advances. Approval depends on your income consistency, bank history, and account activity.

FAQs

Can I use Chime with any cash advance app?

Not every cash advance app is compatible with Chime. All the above cash advance apps work perfectly with Chime. Always check compatibility before signing up.

Are there fees for using these apps with Chime?

Most cash advance apps don’t charge interest, but they may charge fees for instant transfers or subscriptions. Read the terms carefully.

Is it safe to link Chime to third-party apps?

All the above cash advance apps use a secure connection method, like Plaid. Therefore, it’s safe to link Chime with such cash advance apps. Avoid any app that asks for direct deposit information without security verification.

Final Thoughts

Cash advance apps are lifesavers, especially when paired with online banks like Chime. They offer quick and interest-free cash when you need it the most.

Use cash advance apps as a short-term solution, not a financial crutch. They’re tools, not safety nets. Think of them as temporary bridges to get you from one payday to the next—not permanent parts of your budget.

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