Cash Advance Apps That Work With Chime: 10 Top Picks

With over 8 million active U.S. customers, Chime is one of the largest financial technology apps in the country. And it’s easy to see why: it offers simple and affordable banking services via an intuitive interface. 

But sometimes, even Chime’s great offerings may not be enough to smooth out everyday expenses. If you need quick access to cash to cover urgent bills, cash advance apps may be necessary.

Unlike traditional loans or overdrafts, cash advance apps are quick and flexible, and can help you deal with emergencies. When paired with Chime, they can feel like a natural extension of your banking by providing direct deposit access and transaction monitoring capabilities. 

Here, we look at some of the best Chime-compatible cash advance apps. 

Top cash advance apps that work with Chime

1. Klover

Klover is a leading choice for fast, low-fee access to cash. We offer zero-interest and zero-late-fee cash advances of up to $250 without credit score checks, making us one of the most affordable and accessible solutions. 

We run a points-based system where you earn points for simple activities, like playing games, watching ads, and linking your debit card. You can then use these points to increase the advance amount you qualify for. 

At Klover, we prioritize financial health. Unlike other apps, which sometimes have hidden fees, require monthly memberships, or have complex approval processes, we’re completely transparent and aim to ensure quick and fair approval processes. 

When you qualify for our advances, we send funds to your linked bank account within three business days or instantly for a small fee. 

Benefits 

• High emphasis on data privacy and security — we use bank-level security measures (like AES 256 encryption), have read-only access to your financial data, and don’t keep your banking credentials
• Simple sign-up and approval process — you just need to enter your name and contact details, link your bank, and earn points to get a cash advance
• Zero credit checks, late fees, and interest charges 
• Built-in budgeting feature (with Klover+)

Drawbacks

• Caps cash advances at $250 
• Requires you to have three prior consistent direct deposits into your account 

2. Chime MyPay

Introduced by Chime, MyPay provides cash advances of up to $500. The service provider deposits funds directly into your Chime checking account within 24 hours for free or instantly for a $2 charge. 

MyPay is different from SpotMe. While both are Chime products that technically give you credit, Chime SpotMe is an overdraft feature that activates automatically if you spend more than you have in your account. It also has a lower limit than MyPay, at $200. 

Benefits 

• High advance limit (up to $500)
• Directly built into the Chime app 
• Zero interest charges and deposit fees

Drawbacks

• Only available in states with MyPay 
• Needs you to have an active physical Chime card
• Requires a minimum of two prior direct deposits of $200 into your Chime MyPay account

3. EarnIn

EarnIn provides advances of up to $150 per day and $750 per pay period. The provider transfers the funds into your account for free in one to three business days. You can also request an instant transfer, with fees starting at $3.99. 

It’s worth noting that EarnIn is still testing its compatibility with Chime. If you’re not part of the test group, they may be unable to deposit funds into your Chime account. 

Benefits

• Zero fees
• Offers a credit monitoring feature 
• High advance limit (can access up to $750 per pay period and up to $1,500 per pay period with Live Pay when using the Earin card)

Drawbacks

• Charges for instant deposits 
• Requires the EarnIn card for high limits 
• Compatibility with Chime is still under testing 

4. Brigit

Brigit serves as both a money-making app and a cash advance app. It offers advances of up to $250, deposited into your account in two to three days. As with other options on this list, you can opt for instant delivery for a small fee. 

Brigit has three pricing tiers ($0, $8.99, and $14.99), with the free version only offering budgeting, account monitoring, and Earn & Save features. To access instant cash, you’ll need to upgrade. 

Benefits

• No credit checks 
• Option to extend your credit repayment period
• Access to money-making opportunities (like paid surveys and games) and budgeting tools

Drawbacks

• Charges for immediate cash delivery 
• Has monthly subscription fees for full app access
• Requires a minimum of three prior deposits from the same source for advance approval 

5. Dave

Dave offers cash advances through ExtraCash. The feature provides advances of up to $500 in minutes. 

Money transfer is almost instantaneous and free if you use a Dave checking account. For external accounts, you pay a small fee and wait up to an hour to access your funds. 

Benefits

• Zero interest rate charges, late fees, and credit checks
• Access to side hustle opportunities without additional fees
• Quick approval time — they indicate advance approval in five minutes or less

Drawbacks

• Has a $5 to $15 service fee
• Charges a fee for external account transfers 
• Has a monthly fee of up to $5 per month, which is necessary if you want to access ExtraCash

6. MoneyLion

MoneyLion provides a wide range of services and products, including cash advances, credit-building and monitoring features, and banking services. 

Its cash advance feature, Instacash, offers up to $500 advances within one to five days, with the option for instant delivery for a fee. 

If you set up recurring deposits or become a member of RoarMoney, (MoneyLion’s cashback product), you can increase your advance limit and access up to $1,000. 

Benefits

• No interest charges or credit checks
• High cash advance limit (up to $500 or $1,000)
• Access to additional services and features, like a credit builder and cash back 

Drawbacks 

• Charges between $0.49 and $8.99 for instant cash transfers 
• Automatically prompts you to leave a tip
• Requires you to sign up for RoarMoney or make recurring deposits to unlock higher limits

7. Tilt

Tilt (formerly Empower) offers cash advances ranging from $10–$400, based on customers’ expenses and income. 

The app deposits funds directly into users’ bank accounts, with standard delivery taking two to five business days. Alternatively, you can opt for instant delivery for a small fee. 

Benefits 

• Optional instant cash transfers 
• No credit checks, late fees, or interest charges 
• Offers credit cards, which can be valuable in proving your spending 

Drawbacks

• Has an $8 subscription fee
• Bases advance limits on your financial health 

8. Varo

Varo Cash Advance is a feature within the Varo Bank mobile app. It offers a relatively high advance limit ($500), depending on your direct deposits and overall Varo account activity. 

The app deposits funds immediately into your Varo account. However, it may take longer to process external transfers. 

Benefits

• No credit check or late fees
• Flexible repayment period — you can repay your advance within 15 to 30 days

Drawbacks

• Charges up to $40 for advance processing 
• Gives new users lower advance limits ($20 up to $250)
• Requires you to have a Varo bank account that has been active for over 30 days

9. Albert

Albert is an all-in-one app, offering cash advances, as well as banking and investing services. Through Instant, its cash advance feature, you can access cash ranging from $25 to $1,000. 

They deposit advances into Albert Cash for free, but charge for external account transfers. Processing fees range from $5.99 to $19.99, depending on the amount borrowed. 

Benefits 

• High advance limit (up to $1,000)
• No credit check, late fees, or interest
• Immediate cash transfers into Albert Cash

Drawbacks

• Charges for external account transfers
• Requires an Albert account with a long transaction history
• Short repayment period (the app typically requires you to pay six days after your advance)

10. Cleo

With Cleo, you can get a cash advance of up to $250, depending on your spending. While it offers a $250 limit, first-time users only qualify for up to $70. 

Regular fund transfers are free, but you need to pay a small fee for instant delivery. 

The cash advance app is powered by AI, which determines how much to advance and also offers financial guidance. 

Benefits

• No credit check and no interest charges
• Doesn’t require you to have a regular income
• Access to an AI assistant that provides financial advice and helps with budgeting

Drawbacks

• Charges at least $4 for an express delivery fee
• Requires you to pay a minimum $5.99 monthly subscription fee to access cash advances

How to choose a cash advance app

With so many options available, how do you choose the best cash advance app? Assess your financial needs and find a solution that best meets them. For example, if you need a $200 advance as soon as possible, choose an app that can offer you that amount in a few minutes or hours. 

Other factors to consider include:

• Fees: Reduce your costs by choosing an app with zero or minimal transaction fees. 
• User experience: Read online user reviews and only go for options with a lot of positive feedback. 
• Transparency: Avoid apps that don’t disclose their processing fees. 
• Repayment terms: Choose a solution with friendly repayment options. Apps with auto-repayment features or flexible payment models can be excellent choices. 
• Long-term financial health support: Look for additional features, like budgeting support, to help improve your financial well-being. 
• Privacy and security: Opt for an app that uses bank-level security measures (like AES 256-bit encryption) and complies with industry standards such as SOC 2.

Klover is a top choice for many users because it offers: 

• Higher cash limit (zero-interest and fee-free) than some competitors
• Fast cash advance access
• Auto-repayment capabilities
• Empowerment tools to help you manage your money more effectively

Tips for smart and responsible payday advances

While cash advances are lifesavers when you need money, they’re not replacements for proper financial planning and budgeting. To protect your financial health, treat them as a short-term solution rather than a long-term part of your financial strategy. Also, manage them carefully to avoid trapping yourself in a debt cycle. 

Here are some tips to keep in mind when using advances:

• Only request what you need to cover expenses until your next paycheck. 
• Track all your advances to avoid late or missed payments. 
• Borrow money you can comfortably repay. 
• Don’t misuse advances; use them only for essentials. Wait for your next payday to spend money on wants. 
• Avoid applying for a new advance from one app to repay another. 
• Explore side hustle opportunities to help build financial stability. 
• Create an emergency fund to manage unexpected expenses. 
• Set up a budget to effectively manage your spending.

Get the cash you need, the smarter way

Cash advance apps can be a valuable asset when you’re in a financial pinch. But not all are great choices. Consider your financial needs and assess different apps’ offerings before choosing the one that best fits your needs. 

The right app can help you deal with short-term cash flow problems as you build a healthier financial future. 

Klover is a top choice for cash advances because of its affordability — we provide advances with zero late fees and interest charges. We also prioritize our users’ security, ensure transparency in our repayment structures, and provide empowerment tools to help improve your personal finances. 

Download the Klover app today to access affordable, hassle-free, instant cash advances.