If you are looking for the best cash advance apps that work with Chime, then you have come to the right place. If you bank with Chime, you may be looking for compatible lending apps that will enable you bridge the gap with a paycheck advance without having to resort to predatory payday lenders with their astronomous overdraft and interest fees.
Also you don’t want to fall behind on bills and are wondering how to get an instant $50 or $100 loan or what apps can pay you today? With our apps like Earnin that work with Chime, sure, another 150 dollars paid out early wouldn’t hurt.
Top 8 Best Cash Advance Apps That Work With Chime
The best composition of cash advance apps that work with Chime and can deliver the deposit into your account fast, If you’re in urgent need of cash include Empower, Cleo, MoneyLion, Branch, Dave, Albert, Varo and Chime SpotMe. These payday advance apps do not require credit check and can approve your quick loan within minutes without overdraft, fees or interest charges.
Empower is one of the best cash advance apps that work with Chime Bank that can allow you immediate access up to $250 within minutes of approval. Empower tracks your spending, helps you budget, and automatically sets savings aside. You also get the Empower card, which you can use at selected merchants and get up to a 10% cashback reward. There are no overdraft fees, insufficient funds fees, or minimum balances.
Empower costs $8/month, but offers a free cash advance up to $250. To link Empower to your Chime account, you search for Chime, select, and fill in your account details.
To link to your Chime Bank account to Empower:
- Go to the Home page of your app and scroll down to the Accounts section
- Click on the + icon on the upper right
- add Chime to Empower
- If you can’t find your banking institution in the list, tap on the magnifying glass on the upper right and you’ll be able to search for it.
Cleo is another top cash advance app that work with Chime account. Cleo not only tracks spending, it also acts as a budgeting app and helps you save. The app will give you a fee-free cash advance to help out until payday. Like Dave, Cleo has access to your bank account and will get the sum back on payday. Many Cleo functions are free, but the cash advance is part of the Cleo+ package, which costs $5.99 a month.
To link your Chime account to Cleo just search for Chime using the bar at the top of the app. You’ll need to provide your login details.
In order to add Chime Bank to Cleo, you’ll have to:
- First, withdraw all the money into the account attached to your Wallet by saying “withdraw $amount” to Cleo. It will take 4 business days for your money to withdraw.
- Then say “wallet” to Cleo and hit ‘View’ (if you’re in the app hit ‘Manage your Wallet’).
- Hit ‘Update bank’ and Cleo will give you the option to link an existing bank to your Wallet or to add a new account to Cleo via Plaid.
- Add your Chime Bank account to Cleo next.
MoneyLion is a mobile banking platform and offers a cash advance program they call Instacash. The cash advance limit is based on the size of your direct deposit and can be as high as $250. If you sign up for other MoneyLion products you can advance up to $1000.
This banking app has its own debit card, and most users will take their cash advance through their MoneyLion card. If you use both services and you’d like to receive your MoneyLion advance in your Chime account, just go to “Transfers”, click “Add Account”, select Chime and add your account.
Branch is another cash advance app that work with Chime, but there is a catch. As per the Branch Support Page, if you bank with Chime, you will be required to put your direct deposit in your Branch Wallet to qualify for an advance.
In order to add Chime to Branch, select Settings, then Payment Methods. At the bottom of Payment Methods, you’ll have the option to add a new bank or card. Click on the “Add Bank or Card” and select “Bank.” and choose Chime.
Dave is one of the best cash advance apps out there that easily incorporate and integrate with Chime account. There are no issues when connecting your Chime Account to Dave. Dave members can get up to $100 advances without paying a fee.
Apps like Dave pride themselves on being banking for humans. The app helps you puts your financial mind at ease. With it, you can get paid up to two days early, build your credit history and get up to $100 advances without paying a fee. 7 million members and counting consider Dave one of the top reliable cash advance apps.
If you’re a Dave member, search the list of banks, select Chime, and use your login details. If you already have a bank linked to your Dave app, go to the profile tab, select Linked Banks and Card, tap Change and go to the bank search.
Albert is yet another reputable cash advance app that work with Chime. There are no issues when connecting your Chime Account to Albert. With Albert Instant eligibility, and you may be approved for up to $250 per advance. Albert is also a money management app, analyzing your income and spending habits, making savings and budget recommendations, and moving savings into a linked digital wallet. The app is free but offers a premium service, Albert Genius, at $4/month.
To receive Albert’s cash advances in your Chime account. Go to the “Budget” tab, tap +, select Chime, and add your account. To add Chime to Albert:
- Go to the Overview tab
- Tap the plus sign (+).
- Select Chime Bank or search for it by name if it’s not listed.
- Enter your financial institution account credentials.
Varo is a full-fledged online financial platform where you can get a debit card with access to an ATM network and a variety of other products, including high-yield savings accounts paying up to 3% interest.
Varo will give you a cash advance up to $100 if your account is active and at least 30 days old. You’ll also need to have received at least $1000 in direct deposits in the last 31 days. You will have from 15 to 30 days to pay the money back.
Most account holders who take a cash advance from Varo will simply take the money in their Varo account and use their Varo debit card to withdraw it. If you want to use Chime, go to Accounts on your Varo app, Choose Link an Account, search for Chime, and log into your Chime account.
8. Chime SpotMe
If you’re looking at cash advance apps that work with Chime, the simplest place to start is SpotMe, Chime’s own advance program. SpotMe is a no-fee overdraft service. If you have a Chime bank account and you have received $500 in direct deposits in the last 31 days you are eligible for SpotMe. You will have to continue to receive at least $500 every 31 days to stay eligible.
When you register, you will get a SpotMe limit, usually starting at $20. You may be eligible for a limit up to $200, depending on your deposit history.
SpotMe will cover all or part of debit card purchases up to your limit. There’s no limit on the number of transactions. Your overdraft will be deducted from your next direct deposit, with no additional fees. You cannot withdraw cash or use SpotMe to fund a transfer.
Why Do Borrowers Seek Cash Advance Apps That Work With Chime
The followers are reasons why American loan customers are always seeking cash advance apps that work with Chime.
- You get paid early: direct deposits are available up to two days before payday.
- Low fees. There’s no monthly fee, minimum balance fee, or overdraft fee.
- Large ATM network. Chime has 60,000 ATMs nationwide.
- Easy fee-free payments. You can send money to anyone with a bank account with no fee.
What is so peculiar about cash advance apps that work with Chime? Chime is not a bank. Its banking products are offered through the Bancorp Bank or Stride Bank. Both of these banks are FDIC members, so Chime accounts are insured.
The app offers a spending account with a Chime Visa Debit Card. The spending account is designed to receive direct deposit paychecks. Chime also offers a savings account and a secured credit card designed for building credit. You need to have a Chime spending account to use these products.