With 78% of Americans living paycheck to paycheck, it’s no surprise that many are turning to cash advance apps. When money is tight, cash advances can help bridge the gap before payday.
While there are many online banks like Chime, Chime has become especially popular. If you have a Chime checking account, you may be wondering if there are any cash advance or payday loan apps that accept Chime.
Thankfully, there are—and we’ll share these apps with you below.
Table of Contents
Cash Advance Apps that Work with Chime
Chime is a financial technology company that partners with regional banks to offer banking services with no monthly fees.
With Chime, you get access to more than 60,000 ATMs, fee-free overdrafts of up to $200, and tools to help build your credit.
FreeCash: It pays you to test apps, play games & take surveys. Get paid up to $497.82 per offer! Start Earning!
Earn Haus: Earn up to $25 per survey. Plus same-day payments via PayPal, Venmo & Check! Join Earn Haus!
Swagbucks: Get paid to watch videos, shop online, take surveys and more. Join now & get $10 instantly!
InboxDollars: Paid over $57 Million to members to watch videos, take surveys, shop and more. Get $5 instantly!
KashKick: Get paid directly into your PayPal for watching videos, surfing, shopping and more. Join KashKick Now!
Here are some of the best cash advance apps that work with Chime.
1. Chime MyPay
Okay, so if you’re looking to get a cash advance and you have a Chime account, your simplest option is to use the Chime MyPay feature.
Yes, Chime itself actually offers cash advances through MyPay.
Chime provides cash advances of up to $500.
You can get the money within 24 hours without paying a fee. Alternatively, you can pay a fee of $2 per advance to get the money instantly. No credit check is required.
How to Link MyPay to Chime
Since MyPay is a feature of the Chime app, it’s really easy to use. There’s no need to link a separate app.
The money available to you can be accessed directly from the Chime app and is transferred into your Chime checking account.
To access MyPay, you’ll need to set up a qualifying direct deposit of at least $200.
Additionally, you must have an activated, physical Chime card, receive qualifying direct deposits, and live in a state where MyPay is offered.
If you become eligible, you’ll be invited to unlock MyPay.
Advertisements
2. Empower
You can use Empower with Chime. It offers a cash advance of up to $300.
If you are looking for cash advance apps that don’t require direct deposit, Empower is a good option.
It doesn’t require direct deposit, which is ideal for freelancers, gig workers, and sole proprietors.
Most cash advances delivered instantly arrive within minutes, so if you need money fast, Empower is a good choice.
Empower doesn’t charge any interest or late fees, and no credit check is required to get a cash advance.
How to Link Empower to Chime
Here’s how to link Empower to Chime:
- In the Empower app, go to the analysis page.
- Scroll down to the “accounts” section.
- Click on the + icon in the upper right corner.
- If you can’t find Chime, tap on the magnifying glass icon in the upper right corner to search for it.
- Follow the prompts to sign in and connect your Chime account.
3. Dave
Digital banking service Dave is another option to consider if you’re looking for a cash advance app that works with Chime.
It offers a cash advance of up to $500.
You can access your money in five minutes or less, making Dave a great choice if you need quick cash.
Additionally, you don’t need to have direct deposit to qualify for a cash advance from Dave.
The app doesn’t charge interest, has no late fees, and doesn’t require a credit check.
How to Link Dave to Chime
Here’s how you can link Dave to Chime:
- Go to settings in the app.
- Tap “Linked Bank and Cards.”
- Choose “Change Bank” and then search for Chime.
- Sign in with your credentials to link your Chime account.
4. Cleo
- Cash advance amount: Up to $250
- Monthly fee: Varies from $5.99 to $14.99
- Available for: iOS and Android
Next on the list is Cleo, another good option if you’re looking for extra cash to tide you over before payday.
With Cleo, you can get cash advances of up to $250.
Like Dave, Cleo doesn’t charge interest, and no credit check is required either.
How to Link Cleo to Chime
Here’s how you can link Cleo to your Chime account:
- In the Cleo app, go to the “Spend” tab.
- Tap on “Add Account.”
- You can link your Chime account through Plaid.
- Alternatively, you can add a Chime account manually from the accounts page by choosing the “Connect Another Bank” option.
5. EarnIn
Financial services company EarnIn allows you to get paid for the hours you’ve worked, without having to wait for payday—handy, right?
It enables you to receive your paycheck in your bank account up to two days early.
You can access up to $750 per pay period.
No credit check is required, which is great. Additionally, EarnIn does not charge any interest.
You can get your money through a standard transfer without paying a fee, though it will take up to two business days to receive the funds with this type of transfer.
Or, you can pay a fee to get an instant transfer of the funds.
You can choose to leave a tip when you transfer your cash, but this is optional.
If you want to learn more about EarnIn, be sure to read my complete EarnIn review.
How to Link EarnIn to Chime
Many people want to know if Chime works with EarnIn.
EarnIn allows some Chime users to link their accounts, so you may be able to use Chime with EarnIn. However, there’s no guarantee that EarnIn will support your Chime account.
Here’s how you can link EarnIn to Chime:
- To see if your account is supported, choose “Chime” from the list of banks. EarnIn will then show you if your account is supported.
- If your Chime account is supported, make sure to enable “Allow Transactions” in your Chime settings. This allows EarnIn to send you advances and debit you on payday.
6. Albert
Albert is a financial services company that offers a variety of services, including cash advances.
With Albert, you can get your paycheck up to two days early.
Eligible members can overdraw their Albert Cash account for ACH transfers, ATM withdrawals, debit card purchases, and other electronic transfers. Limits range from $25 to $250.
The app also helps you manage your budget and spending across multiple accounts, save and invest automatically, and track subscriptions.
How to Link Albert to Chime
Here’s how you can add Albert to Chime:
- In the Chime app, go to the “Profile” tab.
- Then, tap on “Linked Accounts.”
- Select “Add Account.” You can then add Albert from the list provided, or search for it if it’s not listed.
- Enter your Albert account credentials to complete the process of adding Albert to Chime.
7. MoneyLion
- Cash advance amount: Up to $500
- Monthly fee: $0 for Instacash cash advances. Fees for other services range from $1 to $19.99 per month, depending on the services you choose.
- Available for: iOS and Android
Similar to Albert, MoneyLion is another option to consider if you’re looking for cash advance apps that work with Chime. It’s a financial tech company that provides consumers with cash advances, mobile banking, personal finance resources, and cashback rewards.
MoneyLion offers cash advances through a service called Instacash.
With Instacash, you can borrow up to $500 interest-free.
You don’t have to pay any fees if you are willing to wait one to five business days to get the money. However, you can have the money available in minutes for a fee.
MoneyLion doesn’t require a credit check.
How to Link MoneyLion to Chime
Here’s how you can link MoneyLion to Chime:
- In the MoneyLion app, go to “Transfers.”
- Tap on “Add Account.”
- Search for Chime and enter your credentials to link the account.
Closing Thoughts
As you can see, there are many cash advance apps that can be used alongside your Chime account.
Finding cash advance apps that work with Chime can help you access quick funds without the hassle. Whether you’re covering an emergency expense or just need a little financial cushion, these apps offer a seamless way to get the cash you need.
Share your thoughts