7 Best Cash Advance Apps that Work with Chime in 2024

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7 Best Cash Advance Apps that Work with Chime in 2024


If you’re looking for cash advance apps that work with Chime, you’re in the right place!
With many people living paycheck to paycheck, cash advance apps offer a helpful solution when money is tight. These apps can bridge the gap until payday, especially for Chime account holders. Below, I’ll share some of the best cash advance apps that work with Chime.


1. Chime MyPay

  • Cash advance amount: $20 to $500
  • Monthly fee: Free
  • Available for: iOS and Android

Chime’s MyPay feature is the simplest way for Chime account holders to get a cash advance. This feature offers up to $500 in cash advances without any fees if you choose a standard transfer. For an instant transfer, a small fee of $2 applies. No credit check is required, and you can get your money within 24 hours.

How to Link MyPay to Chime:

Since MyPay is part of the Chime app, there’s no need to link a separate app. Here’s how you can access it:

  1. Ensure you have a qualifying direct deposit of at least $200.
  2. Make sure your Chime card is activated.
  3. If you meet the requirements, you’ll receive an invitation to unlock MyPay.

2. Empower

  • Cash advance amount: Up to $300
  • Monthly fee: $8
  • Available for: iOS and Android

Empower is ideal for freelancers and gig workers, as it doesn’t require direct deposit to access cash advances. You can get up to $300 quickly, often within minutes. Empower doesn’t charge interest, late fees, or require a credit check, making it a flexible option for Chime users.

How to Link Empower to Chime:

  1. In the Empower app, go to the analysis page.
  2. Scroll down to the “accounts” section.
  3. Click on the “+” icon in the upper right corner.
  4. If you can’t find Chime, use the search icon to locate it.
  5. Follow the prompts to sign in and link your Chime account.

3. Dave

  • Cash advance amount: Up to $500
  • Monthly fee: $1
  • Available for: iOS and Android

Dave is a great option for quick access to cash, offering up to $500 in minutes without requiring a direct deposit. The app charges no interest, late fees, or requires a credit check, making it accessible for Chime users who need fast cash.

How to Link Dave to Chime:

  1. Go to settings in the Dave app.
  2. Tap “Linked Bank and Cards.”
  3. Choose “Change Bank” and search for Chime.
  4. Sign in with your Chime credentials to link the accounts.

4. Cleo

  • Cash advance amount: Up to $250
  • Monthly fee: $5.99 to $14.99
  • Available for: iOS and Android

Cleo offers up to $250 in cash advances with no interest or credit checks required. This app is helpful if you need a quick financial boost before payday. Cleo also offers budgeting and saving features to help manage your money more effectively.

How to Link Cleo to Chime:

  1. In the Cleo app, go to the “Spend” tab.
  2. Tap on “Add Account.”
  3. Link your Chime account through Plaid or manually by choosing the “Connect Another Bank” option.

5. EarnIn

  • Cash advance amount: Up to $750
  • Monthly fee: Free
  • Available for: iOS and Android

EarnIn allows users to access up to $750 per pay period by drawing from hours worked before payday. This service charges no interest and doesn’t require a credit check. You can choose a free transfer (which takes up to two business days) or pay a small fee for instant access to your funds.

How to Link EarnIn to Chime:

  1. Select “Chime” from EarnIn’s list of banks to see if your account is supported.
  2. If supported, enable “Allow Transactions” in Chime to receive advances and allow debits on payday.

6. Albert

  • Cash advance amount: $25 to $250
  • Monthly fee: $9.99 to $14.99
  • Available for: iOS and Android

Albert offers a range of financial services, including cash advances of up to $250. It helps users access their paycheck up to two days early, manage budgets, and automatically save and invest.

How to Link Albert to Chime:

  1. In the Chime app, go to the “Profile” tab.
  2. Tap “Linked Accounts.”
  3. Select “Add Account” and search for Albert.
  4. Enter your Albert credentials to complete the process.

  • Cash advance amount: Up to $500
  • Monthly fee: Free for Instacash (other services range from $1 to $19.99 per month)
  • Available for: iOS and Android

7. MoneyLion

MoneyLion’s Instacash feature offers cash advances up to $500 with no fees if you choose the standard transfer option (1–5 business days). You can also opt for instant transfers for a small fee. No credit check is required, and MoneyLion offers various other financial services.

How to Link MoneyLion to Chime:

  1. In the MoneyLion app, go to “Transfers.”
  2. Tap “Add Account” and search for Chime.
  3. Enter your Chime credentials to link the accounts.

Conclusion:
These cash advance apps provide an easy way to access quick funds through your Chime account. Whether you need to cover an unexpected expense or get through until payday, these apps offer convenient options without the hassle.

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