9 Best Cash Advance Apps That Work With Chime

So, you're a Chime user and you're looking for some of the best cash advance apps you can use that work with your banking solution.

We hear you. At WebMonkey, we love Chime for its low fees and range of features. But it doesn't always make borrowing money simple.

That's why we're covering the best payday and cash advance apps that work with Chime for you to use this pay period.

The Best Cash Advance Apps That Work With Chime

1. EarnIn

EarnIn is one, if not the best, cash advance app on the market. It's our favorite because it offers a generous limit of up to $750 each pay period (though daily limits are capped at borrowing $100.)

EarnIn doesn't charge mandatory fees or interest. And there's no credit check requirement either which is awesome.

Instead, EarnIn uses a “Pay What’s Fair” system, where you can leave an optional tip – up to $13, but there’s no pressure to tip at all if you don’t want to.

To determine how much you can advance, EarnIn connects to your bank account and analyzes your paycheck history. To qualify for an advance, you need proof of employment and a checking account with regular direct deposits.

If you need quick cash to pay rent, bills, or just cover various expenses, EarnIn can help. And advances deposit for free if you wait one to three business days. Otherwise, you can pay for a Lightning Transfer, which costs between $3.99 and $4.99 to get your cash instantly.

Currently, only a small group of Chime users can use EarnIn, but it's easy to check if you’re eligible. Just choose Chime from the bank list in the app, and you’ll know right away if it’s compatible with your account. If Chime is supported for you, then you'll need to enable “Allow Transactions” in your Chime app settings so that EarnIn can deposit cash advances to your account.

Get started with EarnIn or read our EarnIn review to learn more!

2. Chime MyPay

Chime has recently introduced its own cash advance feature called MyPay, making it easier than ever for Chime users to access quick funds. With MyPay, you can borrow up to $500 with no interest charges.

There are no monthly service fees, and instant transfers cost a low, one-time $2 fee. Or, if you’re not in a rush, you can receive your cash advance within 24 hours at no cost.

Chime MyPay has few eligibility requirements: you just have to have direct deposits set up and have received at least two paychecks of $200 or more in your Chime account.

However, the biggest advantages of MyPay is that it’s built directly into the Chime app, so there’s no need for third-party integrations or extra downloads. All you have to do to access it is sign up. It's a hassle-free and affordable way to get a cash advance as a Chime user.

💵 How To Borrow $500 Instantly.

3. Cleo

Cleo is another lending app that works with Chime that's similar to EarnIn and Super.

The app lets you advance up to $250 against a future paycheck. New users can get between $20 and $100 in advance. Once you’ve proven you’re good with repayments, Cleo may offer up to $250. There’s no interest, and your credit isn’t affected either.

Along with cash advances, it tracks your spending, helps you save with round-ups, and acts as a budgeting tool. But, the feature that Cleos is best-known for is its snarky AI assistant that gives you a little tough love while teaching you to save extra money.

To access cash advances and most of the app's other features, you need to subscribe to Cleo Plus, which costs $5.99 per month. There aren't mandatory fees outside of this. And we like Cleo since it also accepts income like gig jobs, freelancer work, and non W2 roles.

Linking Chime to Cleo is easy. Just log into the Cleo app, head to “Manage Your Wallet,” click “Update Bank,” and add your Chime account details to get started.

Get started with Cleo or read our Cleo review to learn more.

4. Dave

Dave is another top choice for payday apps that work with Chime. Its ExtraCash feature lets you borrow up to $500 with no credit checks or interest charges, which is one of the higher advance limits out there.

Dave charges a low monthly fee of $1 to access ExtraCash Advancements. And like other Chime cash advance apps, you need to connect your checking account and show regular direct deposits to qualify for an advance.

Standard transfers for ExtraCash Advancements take one to three business days. If you need cash in a hurry, you can opt to pay an express transfer fee, but these can be pretty pricey, ranging from $3-$25. Express transfers can get the money to your Dave Spending account within minutes or to your Chime account in under an hour.

We like Dave since it has plenty of other features. For example, it has a tool to help you find the best side hustles, which can include online jobs, sign-up bonuses, cash surveys, and more. It also has budgeting tools similarly to Cleo.

To link your Chime account to Dave, just log into the Dave app, go to your profile, select “Linked Banks and Cards,” tap “Change,” and search for Chime. Follow the on-screen prompts, and you’re all set!

Get started with Dave or read our post – is the Dave app legit? – to learn more.

5. Super

Super.com is another money app that works with Chime you can consider.

We like Super since it's a mix of a cash advance app and a reward app. And it's packed with features to help you earn more.

For starters, Super lets you borrow up to $250 against an upcoming paycheck. Like EarnIn, there's no mandatory fees, interest, or credit check. You just connect your bank account, which can be Chime in this case, to show Super your direct deposit history.

But Super has so many other ways to earn. You can answer paid surveys, find cash-back deals, play games for money, save with coupons, and even snag travel deals.

You have to upgrade to Super+ for $15 a month to unlock most of these features. But you can easily offset your membership cost with how many earning options there are.

Get started with Super or read our Super.com review to learn more.

6. Empower

The Empower app gives you access to instant cash advances between $10 and $300, with no interest or late fees.

After a 14-day free trial, the app charges a $8 monthly subscription fee. There's also a $1 to $8 instant transfer fee if you don't want to wait the standard one to five business days to get your advance.

Empower requires a checking account and uses your transaction history to determine your eligibility for cash advances.

In addition to cash advances, Empower offers a line of credit between $200 and $400. You also get extra features like savings tools, spending trackers, and credit monitoring to help you manage your money more effectively.

Empower is compatible with Chime, so you can easily link the two apps. Just set up your Empower account, follow the instructions, and you’re good to go.

👉 The Best Apps To Borrow $200 Instantly.

7. MoneyLion

MoneyLion is more than just a cash advance app – it’s a full-fledged financial app that offers cash advances, banking services, credit-building tools, income investing tools, and even personal loans. 

Its cash advance feature, MoneyLion InstaCash, offers up to $500 with zero fees (if you’re willing to wait up to five business days.) If you need cash instantly, then you can pay an express transfer fee, ranging from $1.99 to $8.99.

To qualify for an InstaCash cash advance, you need a checking account that’s been active for at least 60 days and has received at least three direct deposits.

For a $1 monthly admin fee, you can also get access to a range of banking services. And, if you have a MoneyLion MoneyRoar account, your cash advance limit can increase up to $1,000!

MoneyLion integrates easily with Chime, making it easy to link the two apps. To connect, simply go to the “Transfers” section of the MoneyLion app, tap “Add Account,” and select Chime. Alternatively, you can link MoneyLion from within the Chime app.

💵 How To Get $1,000 By Tomorrow.

8. Albert

One more cash advance app that works with Chime you can turn to is Albert.

This all-in-one money management app combines cash advances with banking, budgeting, saving, and investing services.

Albert's cash advance feature, Albert Instant, lets you access up to $250. It can take two or three days for the cash advance to hit your account. If you need the money instantly, there’s a small fee of $4.99 for same-day delivery.

You need to subscribe to Albert Genius for $14.99 per month to access cash advances and most of its other features. This premium service also gives you extra perks like personalized financial advice from experts (a.k.a “Geniuses”), a cash-back debit card, automated savings, investment options, identity protection, and credit monitoring.

Albert seamlessly integrates with Chime, and linking the two is easy. Just log into the Albert app and go to the “Budget” section. Then, click the plus sign (+) at the top and select Chime from the list (or search for it if you don’t see it). After this, enter your Chime account details to finish connecting Chime.

Read our Albert review to learn more!

Extra Reading – How To Get $500 By Tomorrow.

9. Varo

Varo is an all-in-one mobile bank that's known for its low fees and awesome high-yield savings account.

The company now offers cash advances of up to $250 for new customers too. And as you pay off your advances over time, this limit can increase up to $500.

We like Varo since its checking account lets you earn cash back rewards. So, you can earn on autopilot whenever you spend. And its high-yield savings account is also competitive.

A $500 max limit is great too. However, Varo high high express deposit fees as high as $50, so this is why we prefer options like EarnIn.

How Can You Choose The Right Chime Cash Advance App?

With so many money apps that work with Chime to choose from, it's important to find one that aligns with your financial goals and situation.

While some apps may offer larger borrowing limits or faster transfers, others might be more appealing due to lower fees or additional app features. To make the best choice, you’ll need to weigh what’s most important to you.

Here are some key factors to consider for choosing the best Chime cash advance app for your financial situation:

• Borrowing Limit: Some apps start with small $25 cash advances, while others can go up to $500 or more. If you regularly need larger amounts, make sure the app you choose has a high enough limit to meet your needs. On the flip side, if you just need a little cushion between paychecks, an app with a smaller limit and fewer fees might be a better fit.
• Fees: While some loan apps that work with Chime don't charge mandatory fees, like EarnIn and MoneyLion, others, like Cleo and Albert, require a monthly subscription fee. Most apps also charge express fees to get your money instantly, but these can range in price from just a few dollars to the double digits. Keep in mind that even small fees can add up over time, so it’s worth finding an app that offers transparent, low-cost options.
• Eligibility Requirements: Some apps have more strict income requirements to qualify for a cash advance. For instance, EarnIn requires proof of hours worked and does not accept freelance or gig work as valid forms of income. Others, like Cleo, have more flexible eligibility requirements, so it's easier to qualify for a cash advance.
• Repayment Terms: Repayment terms are another crucial aspect. Most apps require you to repay the advance by your next payday, but some, like Dave, offer the flexibility to request an extension if needed. Although most cash advance apps don’t report missed payments to credit bureaus, meaning your credit score won’t take a hit, there are still consequences. You typically won’t be able to take out another advance until your balance is paid off, and in some cases, the app might lower your future borrowing limit.
• Additional app features: Some apps, like Cleo and Albert, not only provide cash advances that work with Chime but also offer tools for budgeting, saving, and building credit. If you’re looking to improve your overall financial health, apps with these added benefits might be worth the investment.

Whether you choose an app with low fees, fast transfers, or additional money management tools, make sure it aligns with your personal financial needs and goals. Take the time to research and compare options, so you can choose an app that gives you the cash you need, when you need it, without unnecessary hassle or expense.

💵 The 20+ Best Free Apps That Pay You Instantly.

Final Thoughts

I hope this guide of cash advance apps working with Chime help you get some extra cash when you need it most.

As mentioned, think about how much you need to advance and consider factors like fees and eligibility requirements. Also, don't forget the value of side hustling!

There are so many ways to make extra cash, ranging from earning money online to doing odd jobs for money. So, don't always turn to borrowing money unless you have to.

Want even more money making ideas? Checkout:

• How To Make A Guaranteed $100 A Day.
• The Best Apps To Borrow Money Without A Job.
• The Highest Paying Apps To Use.
• How To Make Money In One Hour.

EarnIn Disclaimers:

1: EarnIn is a financial technology company, not a bank. EarnIn services may not be available in all states. Bank products are issued by Evolve Bank & Trust, Member FDIC.

2: Subject to your available earnings, Daily Max and Pay Period Max. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

3: EarnIn does not charge interest on Cash Outs. EarnIn does not charge membership fees for use of its services. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

4: Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank. Restrictions and/or third party fees may apply, see Cash Out User Agreement for details.