The 12 Best Cash Advance Apps That Work With Chime in 2024

As a Chime user, you may occasionally need a quick cash advance. Luckily, several cash advance apps integrate seamlessly with your Chime account, offering fast and convenient access to funds when you need them most. Some of the best cash advance apps that work with Chime include Earnin, Cleo, Brigit, Chime SpotMe, Albert, Dave, Empower, and MoneyLion. These apps provide a variety of features and benefits to help you manage your finances and access the money you need quickly and easily.

List of The Best Cash Advance Apps That Work With Chime

1. Earnin
2. Cleo
3. Brigit
4. Chime SpotMe
5. Albert
6. Dave
7. Empower
8. MoneyLion
9. Branch
10. Klover
11. Payactiv
12. Possible

Also read: What Bank Does Chime Use? A Comprehensive Guide

Why Is The Best Each Cash Advance App

• Earnin: Best for large advances
• Cleo: Best for budgeting and tracking
• Chime SpotMe: Best for overdraft protection
• Brigit: Best for overdrafts & building credit
• Albert: Best for low fees & credit building
• Dave: Best for no fees & side hustles
• Empower: Best for instant advances & credit building
• MoneyLion: Best for cash advances & investing
• Branch: Best for student loans & building credit
• Klover: Free advances & gamification
• Payactiv: Early access to direct deposit
• Possible: Stretch your paycheck further

The 12 Best Cash Advance Apps That Work With Chime

1. Earnin

Earnin is a popular cash advance app that allows you to access up to $100 per day or $750 per pay period, with no interest or mandatory fees. The app works by connecting to your bank account and tracking your hours worked. Once you’ve earned your wages, you can withdraw them directly to your Chime account. Earnin suggests optional tips for each transaction, but there are no required fees.

2. Cleo

Cleo is a budgeting app that offers a small cash advance feature alongside its financial management tools. Chime users can borrow up to $100 interest-free through Cleo. To qualify for a cash advance, you’ll need to have at least three regular deposits going into your connected Chime account.

3. Brigit

Brigit is most reliable option for Chime users seeking a cash advance. This app offers advances up to $250 with no interest or mandatory fees. In addition to the cash advance feature, Brigit provides free budgeting tools and financial advice to help you manage your money more effectively. To qualify for a cash advance through Brigit, you must have a steady income and meet specific eligibility criteria.

4. Chime SpotMe

Chime’s SpotMe feature is worth mentioning as an built-in solution for cash advances. SpotMe allows you to overdraft your Chime account up to $200 without incurring any fees. To be eligible for SpotMe, you need to have received at least $200 in direct deposits within the past 30 days. This feature can be a lifesaver when you’re in a pinch and need a little extra cash.

5. Albert

Albert is a comprehensive financial app that offers cash advances up to $250 alongside its budgeting tools and financial advice. With Albert, you can get a cash advance with no interest, no late fees, and no credit check.

6. Dave

Dave is a budgeting app that includes a cash advance feature, making it a handy tool for Chime users. With Dave, you can receive advances up to $100. The app also helps you avoid overdraft fees by predicting upcoming expenses and sending alerts when your account balance is running low. Additionally, Dave offers budgeting tools and credit score monitoring to support your overall financial health.

7. Empower

Empower is a banking app that offers a cash advance feature of up to $250 for Chime users. Like many other apps on this list, Empower also provides free budgeting tools and financial tips to help you make the most of your money.

With Empower, you can get a cash advance with no interest or credit check. The app also offers an optional “Empower Checking Account” with cashback rewards and early paycheck deposits.

8. MoneyLion

MoneyLion is a comprehensive financial app that offers cash advances up to $250 for Chime users. Along with the cash advance feature, MoneyLion provides budgeting tools and a RoarMoney account, which offers cash back rewards and interest-bearing sub-accounts to help you save money. To access a cash advance through MoneyLion, you must meet specific eligibility requirements and have a consistent income.

9. Branch

Unlike most cash advance apps, Branch requires employer participation. If your employer offers Branch, you can access up to 50% of your earned but unpaid wages before payday.

Branch provides a helpful financial safety net for employees whose companies have partnered with the app. If your employer doesn’t offer Branch, consider exploring other options on this list.

10. Klover

Klover provides cash advances up to $100 for Chime users, with the potential for additional amounts based on completing tasks or answering questions within the app.

With Klover, you can get a cash advance with no interest or credit check. The app also offers an optional “Klover Boost” subscription, which provides higher cash advance limits and other perks.

11. Payactiv

Payactiv relies on employer participation. If your employer offers Payactiv, you can access up to $500 of your earned wages before payday.

Payactiv provides a range of financial services in addition to cash advances, including bill pay, budgeting tools, and a “Payactiv Visa Card” with cashback rewards and no monthly fees.

12. Possible

Possible offers a slightly different approach to short-term financial needs, focusing on small installment loans rather than traditional cash advances. With Possible, Chime users can borrow up to $500, which is repaid over eight weeks in four installments.

Possible’s interest rates are typically around 10-15%, which is lower than many payday loans but higher than most cash advance apps. However, the option to repay the loan over time may be helpful for some borrowers.

Also read: Skip the Fees: How to Load Your Chime Card Without Paying Extra

Best Cash Advance Apps That Work With Chime Bank

1. Chime SpotMe: This is the most obvious choice, as it is a built-in feature of the Chime Bank Account. SpotMe lets you overdraft your account up to $200 with no fees on debit card purchases and ATM withdrawals. To qualify, you must receive at least $200 in direct deposit in the last 30 days.
2. Dave: Dave offers up to $500 in advance with a daily subscription fee of $1. There are no interest charges, but there may be a small fee for instant transfers. Dave also offers other features like budgeting tools and side hustle opportunities.
3. Albert: Albert is a budgeting app that offers cash advances of up to $250. There’s a free version of the app, but you’ll need to upgrade to Albert Genius ($29 per month) to get access to the cash advance. Albert Genius also offers other features such as personalized financial advice and automatic savings.
4. Varo: Varo is a mobile banking app that offers up to $20 advances. There is no fee for an advance, but you may be required to make a small minimum deposit to qualify. Varo also offers other features such as checking and savings accounts, a debit card and mobile banking
5. Empower: Empower offers up to $200 in advance. There is a free version of the app, but you need to upgrade to Empower Plus ($8 per month) to get unlimited progress. Empower Plus also offers other features like cashback rewards and fee-free ATM withdrawals.
6. MoneyLion: MoneyLion offers up to $250 in advances. There’s a free version of the app, but you’ll need to upgrade to MoneyLion Plus ($29 per month) to get instant advances and fee-free ATM withdrawals. MoneyLion Plus also offers other features such as a credit-building loan and investment opportunities.
7. Cleo: Cleo is a budgeting app that offers up to $100 in advance. There is no fee for advance, but Cleo asks for optional tips. Cleo also offers budgeting tools, financial literacy tips and goal setting.
8. Branches: Branches offer up to $250 in advance. There is no fee for the advance, but the branch asks for optional tips. Branch offers budgeting tools, financial literacy tips, and credit monitoring.
9. Clover: Clover offers up to $100 in advance. There is no fee for advance, but Klover asks for optional tips. Clover also offers budgeting tools and credit score monitoring.

Free Cash Advance Apps That Work With Chime

1. Earnin: Earnin is a popular app that works well for employees, allowing you to access up to $100 based on your earnings. The app connects to your bank account and tracks your hours worked, so you can withdraw a portion of your earned wages before payday. Earnin doesn’t charge any fees or interest, but you can optionally tip the app for its services.
2. Dave: Dave is another free cash advance app that integrates with Chime, offering advances up to $500 with no interest fees. However, there is a monthly subscription fee for the service, which includes additional features like budgeting tools and overdraft protection. Dave also helps users find side gigs to earn extra income and build their credit by reporting rent payments to credit bureaus.
3. Brigit: With Brigit, you can access an immediate advance of up to $250 if you qualify. The app uses an algorithm to predict your upcoming expenses and income, offering an advance when it detects that you might need one. Brigit doesn’t charge interest or require a credit check, but there is a monthly subscription fee for the service, which includes features like budgeting tools and identity theft protection.
4. Albert: Albert is a free cash advance app that offers advances up to $250, with no interest or fees. The app also provides a variety of financial management tools, including budgeting, savings, and investing features. Albert has a premium option called Genius, which provides additional features like personalized financial advice and higher cash advance limits for a monthly subscription fee.

Cash Advance Apps That Work With Chime No Credit Check

1. Chime SpotMe: Chime SpotMe is a built-in feature of the Chime app that allows you to overdraft your account by a small amount, usually up to $200, without incurring any fees. This feature is available to Chime users who meet certain eligibility requirements, such as receiving direct deposits of at least $200 per month. SpotMe can be a useful tool for covering unexpected expenses or bridging the gap between paychecks.
2. Dave: Dave’s “ExtraCash” feature allows you to borrow up to $500 with no interest and no credit check. While there may be a fee for instant transfer, you can also opt for a slower transfer to receive the advance for free. Dave also offers budgeting tools and helps users find side gigs to earn extra income. To qualify for an advance, you’ll need to have a consistent income and meet other eligibility requirements.
3. Earnin: Earnin is a popular app that connects with your bank account and tracks your income. Based on your earnings, you can request an advance on your paycheck, typically up to $100 per day or $500 per pay period. Earnin doesn’t charge any fees, but you can leave an optional tip for the service. To be eligible, you’ll need to have a consistent pay schedule and meet other requirements set by the app.
4. Brigit: Brigit offers small advances up to $250 with no interest or credit check. The app also provides budgeting and financial tools to help users manage their money more effectively. To qualify for an advance, you’ll need to have a consistent income and meet other eligibility criteria. Brigit charges a monthly subscription fee for its services, which includes access to cash advances and other features.
5. MoneyLion: MoneyLion allows you to access cash advances up to $250 without a credit check. However, there may be membership fees involved, and you’ll need to meet certain eligibility requirements to qualify for an advance. MoneyLion also offers a variety of other financial tools, such as budgeting, saving, and investing features, to help users improve their overall financial health.

Also read: Does Klarna Accept Chime: The Ultimate Guide

How to Choose the Right Cash Advance App for Your Needs

When choosing a cash advance app that works with Chime, there are several factors to consider:

• Advance amount: Consider how much money you typically need to borrow and choose an app that offers advances in that range.
• Fees: Look for apps that charge low or no fees, or those that offer the option to tip voluntarily.
• Repayment terms: Make sure you understand when and how you’ll need to repay your advance, and choose an app with terms that work for your budget.
• Additional features: Some apps offer budgeting tools, financial advice, or other perks that can help you manage your money more effectively.

Alternatives to cash advance apps

If cash advance apps aren’t the right fit for your needs, there are other options to consider:

• Personal loans: Many online lenders offer personal loans with competitive rates and flexible repayment terms.
• Credit cards: If you have a credit card with available credit, you may be able to use it to cover unexpected expenses.
• Friends and family: Borrowing money from loved ones can be a low-cost option, but be sure to establish clear repayment terms to avoid straining your relationships.

Frequently Asked Questions (FAQ)

Finally

Cash advance apps that work with Chime can be a lifesaver when you need fast access to funds. By comparing your options and choosing an app that meets your needs, you can take advantage of these convenient financial tools while avoiding high fees and predatory lending practices. Whether you opt for a popular app like Earnin or Brigit, or choose Chime’s built-in SpotMe feature, there’s a cash advance solution out there that can help you bridge the gap between paychecks and achieve your financial goals.