Cash Advance Apps That Work With Chime [2024] Full List
By Maddy Scheckel According to the Federal Deposit Insurance Corporation (FDIC), 43.5% of households primarily use mobile banking to access their financial accounts.
If you’re a Chime user, you’re probably not surprised by that percentage. Isn’t mobile banking incredibly convenient?
And it gets even more convenient when you use the right apps.
Below, I’ve provided a full list of cash advance apps that work with Chime. You can use these apps to borrow money that will go directly to your Chime account.
It really couldn’t get any easier!
In need of some extra cash to get you through a tough spot? We’ve all been there, and sometimes all you need is just a few extra hundred dollars to hold you over until your next paycheck.
When the going gets tough and money is tight, the app Dave is always there to help. Dave offers quick relief with cash advances up to $500 without all the complexities of a traditional bank loan. There are no credit checks, interest charges, or late fees, and it offers fast deposits — I’m talking in as little as a few minutes.
Whether you need help covering bills, money for groceries, or better earning opportunities, Dave’s got you covered.
Full List of Cash Advance Apps That Work With Chime
Cash advance apps help you borrow money with just a few taps. The money typically goes to a checking account – but what if you use Chime as your primary bank?
No worries! You can still use a cash advance app. You just have to find one that works with Chime. Luckily, there are plenty of them.
So read on for a detailed look at the best cash advance apps that work with Chime.
Dave
Cash Advance Limit: $500
Dave is a user-friendly mobile banking app with some special perks. One of those perks is a cash advance that you can get just 5 minutes after signing up.
Yes, in just 5 minutes! That quickness is what makes Dave one of the best cash advance apps that work with Chime.
The Dave app gives you access to four handy products:
- Spending Account. This is basically a checking account that comes with helpful budgeting tools and fee-free access to over 38,000 ATMs.
- Goals Account. Essentially a savings account, this product lets you earn interest.
- Side Hustle. This is Dave’s digital job board for gig work, helping you find opportunities to earn a quick buck.
- ExtraCash. Dave’s cash advance feature requires no credit check, and there are no late fees to worry about.
So, let’s say you want to use Dave for the ExtraCash advance feature. Start by downloading the Dave app, which is available for Android and iOS, and signing up for an account. From there, you can immediately see how big of an advance you qualify for. According to Dave, most users are offered $160 or more – and some can borrow up to $500!
You’ll get a settlement date when you take the advance, so you’ll know right from the start how much time you’ll have to pay back the loan.
Albert
Cash Advance Limit: $250
Albert is a comprehensive personal finance app for banking, saving, and investing. It’s also a great app for borrowing money, thanks to the Albert Instant feature.
Albert Instant isn’t technically a cash advance. It’s a fee-free instant overdraft with your Cash debit card. You can use it to overdraw your Albert account by $25 – $250, depending on your eligibility.
Now, there’s a rather big caveat here: You can only access Albert Instant if you have an “Albert Genius” subscription – and even then, you might not even qualify. Plus, “Albert Genius” costs $12.49 per month (when billed annually).
But it might still be worth it!
Why? Because Albert Genius comes with some incredible features, including:
- A custom investment portfolio
- Text conversations with financial experts
- Budgeting tools
- Albert Instant
Also, all users with a standard “Albert Cash” account get a 30-day free trial of Albert Genius. That means you can try it out for free, then bail before you’re charged a dime.
Varo
Cash Advance Limit: $500
Varo isn’t just one of the best cash advance apps that work with Chime. It’s also a full-scale online bank, and its accounts are insured by the FDIC.
Most users are crazy about Varo. The Varo mobile app has 4.7 stars on Google Play and 4.9 stars on the Apple App Store.
Why all the love?
It’s because Varo offers some incredible features, including:
- A high-yield savings account
- Automatic saving tools
- Credit builder tools
- Easy digital transfers
- A debit card
- Cash advances
To qualify for cash advances, you need to have received direct deposits to your Varo accounts totaling $800 or more. Once you meet that requirement, you should get a cash advance limit of $20 – $250. That limit can eventually rise to $500.
There’s no interest on the loan – just a small, fixed fee that depends on the size of the advance. Varo gives full transparency on its fees. For example, a $50 advance costs $4, and a $500 advance costs $40. Simple, right? It’s always nice when you can assess financial decisions without a calculator!
Earnin
Cash Advance Limit: $100 per day (up to $750 per pay period)
At the end of a long workday, have you ever thought, “It sure would be nice to have immediate access to the money I’ve earned?” Well, that’s exactly what you can get with Earnin – which could give you up to $100 of pay every day.
Here’s how Earnin works:
- Earnin verifies your paycheck. You’ll upload your bank and employment information. That way, Earnin can determine exactly how much you make.
- You transfer money to your bank account before your paycheck arrives. There are limits, of course: $100 per day and $750 per pay period.
- You pay back Earnin once your paycheck comes in. Both standard earnings and tips can be debited.
If you’re fully employed, then Earnin is one of the most convenient ways to get a cash advance.
Source: Earnin
Chime SpotMe
Cash Advance Limit: $200
You’re probably already a Chime user if you’re reading about cash advance apps that work with Chime.
Here’s an idea to make your life easier: Use Chime itself to borrow funds.
While Chime doesn’t technically offer cash advances, its SpotMe feature allows for fee-free overdrafts. That means you can use your Chime debit card to make purchases or withdraw cash – even if your account is empty!
Here’s how SpotMe works:
- You set up direct deposit. That means your paychecks will automatically be deposited into your Chime checking.
- You’ll get a SpotMe limit. This could eventually rise to $200.
- Your balance is restored with your next direct deposit. Since your paycheck will likely be larger than your negative balance, you’ll find yourself back in “the green.”
SpotMe is a great way for Chime users to borrow money without having to use another app.
Cleo
Cash Advance Limit: $250
Cleo is a personal finance app with a chat-based interface. That makes it an especially user-friendly option among the cash advance apps that work with Chime.
And a cash advance isn’t all that Cleo offers. It also has tools for budgeting, saving, and building credit. It basically works as an AI-powered financial assistant that’s catered to your personal needs.
But let’s focus on the cash advance feature of Cleo since that’s what you’re here for!
While not all Cleo users are eligible for a cash advance, there’s no credit check involved. That makes it a great choice if your credit isn’t exactly sky-high.
And thanks to the chat-based model, the process of getting a cash advance from Cleo is super simple:
- Connect the Cleo app to your main bank account (or Chime account!)
- Check your eligibility by typing “cash advance” in the chat.
- Confirm your name, address, and other personal details,
- Get paid! Then, choose a repayment date that fits your schedule.
A standard Cleo advance will arrive in 3 – 4 days, but you can pay an extra “express fee” to get your money within 24 hours. Express fees typically range from $3.99 to $9.99 and can be paid for at the time of repayment.
MoneyLion
Cash Advance Limit: $500
MoneyLion aims to be an all-in-one money app. And you know what? I think they’ve pulled it off!
There’s an impressive range of MoneyLion products available within the app, including:
- “RoarMoney,” which acts as a digital checking account.
- An investment account that can automate the investing process.
- Credit Builder Plus, which is a credit-builder loan that gives you some of the money upfront.
- MoneyLion Crypto, which makes it easy to get involved in the crypto game
- “Instacash” cash advances up to $500
Let’s look at the Instcash feature a bit more closely.
To qualify, you’ll need to link a checking account to the MoneyLion app. That checking account will also have to meet some basic requirements, like being active with a positive balance and a history of receiving deposits.
To see if you’re eligible for a cash advance from MoneyLion, just tap “Instacash” within the app. From there, you can tap “request” to see how large of an advance you qualify for. You’ll get the funds within 5 days – unless you pay extra for “Turbo” delivery. Instacash Turbo means you’ll gain access to your funds within minutes.
Source: MoneyLion
And don’t stress about paying MoneyLion back. MoneyLion will automatically withdraw the loan amount from your account on the scheduled due date.
Branch
Cash Advance Limit: $1,000 (or 50% of your earnings) per pay period
Branch is a personal finance app that acts as a digital checking account. It also helps you get paid earlier.
To get cash advances from Branch, you’ll have to make sure you belong to an organization that utilizes Branch Instant Pay and then verify your employment status. That’s because eligibility for advances is based on how much you’re paid. Basically, Branch checks how much you get paid each week, then helps you get some of your money ahead of time.
Once your employment has been verified, requesting an advance is super simple:
- Go to the “Instant Pay” tab within the Branch app.
- Tap “Take Advance.”
- Type in the amount you want.
- Accept the terms.
- Confirm the amount and repayment date.
- Swipe the screen to complete the transaction.
And best of all, all cash advances from Branch are truly instant!
Of course, Branch won’t just give you any amount of money. You can only request 50% of your earnings in a pay period (up to $1,000). And each advance can only be $500.
So, let’s say you earn $1,600 during a pay period. You’ll only be able to request $800 of that money – and not in the same transaction. You would have to request $500 in one transaction and $300 in another.
But you’ll still be able to get a significant portion of your pay in advance – making Branch one of the best cash advance apps that work with Chime.
Klover
Cash Advance Limit: $200
Klover is a money app that specializes in cash advances. It doesn’t have a robust banking feature, but that doesn’t really matter if you’re using Chime already. What Klover offers is a unique way to borrow money.
Klover doesn’t charge any interest or late fees. And what makes Klover even more unique? The points-based system it uses.
With Klover, you can earn points for all sorts of tasks, including:
- Taking surveys
- Watching ads
- Scanning receipts
- Completing your profile
- Verifying your paycheck
You can then use these points to qualify for larger cash advances.
In addition to cash advances, Klover offers a cool budgeting tool that tracks your spending and monitors your credit score. You can also use your points to enter daily sweepstakes, where the winner earns $100.
Source: Klover
Empower
Cash Advance Limit: $250
Empower is a cash advance app with an impressive online reputation. The app gets 4.7 stars from users on Google Play and 4.8 stars on the Apple App Store.
And it’s no wonder users are digging Empower. The app claims to advance over $2 billion per year! Plus, there are no interest fees, late fees, or credit checks, and you’ll get a flexible repayment date.
There are two ways to borrow money through Empower:
- A cash advance. Not all users qualify. But if you do, you could be eligible to receive between $10 and $250. The average offer is $140, and the money will arrive instantly.
- A “Thrive” line of credit. Start by downloading the Empower app and applying for Thrive. If you’re approved, you’ll get a $250 line of credit that could eventually rise to $1,000.
Now, there is a caveat here: Empower charges a $8/month subscription fee. But at least they’ll give you a 14-day free trial.
Brigit
Cash Advance Limit: $250
Brigit is a personal finance app with a user-friendly cash advance feature. How user-friendly? You can sign up in just 2 minutes!
Available products on the Brigit app include:
- A credit builder that requires saving $1 each month
- A budgeting tool called the “Finance Helper”
- An “Earn and Save” feature that helps you find gig work and other earning opportunities
- “Instant Cash” – which is the cash advance feature
Getting a cash advance from Brigit is a 4-step process:
- Sign up for Brigit and link the Brigit app to your bank account (or Chime)
- Request an advance and choose your repayment date (typically your next payday)
- Get the cash deposited in your bank account. A standard delivery takes 2 – 3 days, but you can pay extra for instant access.
- Repay your advance (which will allow you to request another).
Not all bank accounts qualify for a cash advance, but the requirements aren’t too strict. Brigit only mentions that the account must have been active for at least 60 days, have a positive balance, and have received 3 recurring deposits from a single source.
Does your Chime account meet those requirements? If so, you should be in business!
Just keep in mind that the cash advance feature is only available with paid Brigit plans, which start at $9.99 per month.
Commonly Asked Questions About Cash Advance Apps That Work With Chime
Do Any Cash Advance Apps Work With Chime?
Yes, plenty of cash advance apps work with Chime, including:
Read more about the best borrow money apps here.
PayDay Loans That Accept Chime?
Here are some payday loan apps that will send the money to Chime:
Also, check out these banks that pay 2 days early to get cash fast.
Same Day Loans That Accept Chime?
Here are some cash advance apps that work with Chime:
With some of these apps, you’ll have to pay an extra fee to get your money instantly. Remember to also check out these ways you can get free money now.
Does Float Me Work With Chime?
FloatMe doesn’t currently work with Chime. Luckily, there are other cash advance apps that work with Chime, including Dave, Albert, and MoneyLion.
Does Empower Work With Chime?
Empower is one of many cash advance apps that work with Chime. Here’s a full list of apps that work with Chime:
What Cash Advance Apps Don’t Use Plaid?
Here are five cash advance apps that reportedly don’t use Plaid for all transactions:
- B9
- One@Work
- DailyPay
- CashApp loans
- MoneyLion Instacash
How Do I Borrow Money From Chime?
You can borrow money from Chime through the “SpotMe” feature, which allows you to overdraw your account up to $200 without facing a fee. Basically, the feature gives you permission to spend or withdraw a certain amount of money even when your account is empty. To qualify, you’ll need to have direct deposit set up.
Free Cash Advance Apps That Work With Chime?
Here are some free cash advance apps that work with Chime:
