Payday Loan Apps that Work with Chime

9 Instant Loan Money Apps that Work with Chime Now! (2023)

⚡ To get an instant payday loan app that works with Chime, you need to have a Chime account and sign up for an account with one of the verified loan apps that do not required a credit check to get started.

Are there any cash advance apps that work with Chime?

I wondered this myself, and after getting frustrated when I could find a clear answer, I set out to find a solution.

After some testing and extensive research, I discovered nine money apps that work with Chime, so there are no more guessing games and wasted time.

This short article will show all the loan apps that work with Chime bank.

Instant Loan Apps that Work with Chime

First, sign up with Chime bank, and as a bonus, you’ll earn $100 when you receive a payroll direct deposit of $200 or more within the first 45 days of opening your Chime Checking Account!

These Cash Advance apps do not require a credit check and have instant approval to make getting your money super quick and easy.

With these money apps that work with Chime, you can get cash advances ranging from $20 to $250+.

  1. Albert
  2. Brigit
  3. Earnin
  4. Cleo
  5. MoneyLion
  6. Dave
  7. Varo
  8. Empower
  9. Albert

1. 🥇 Albert – Fast Sign-Up & Instant Funds up to $250 (Plus a $150 Sign-Up Bonus)

A screenshot of the Albert app's instant loan feature

The Albert app is one of the best ways to borrow money online right now and is a highly-rated & trustworthy financial app.

If you sign up for Albert and set up a direct deposit, you’ll get a $150 bonus!

  • Zero late fees, credit checks, or interest
  • Instant, short-term loans up to $250
  • Free cash account (no ChexSystems or credit check required)
  • Automatic Savings
  • Bill negotiation and subscription monitoring

2. Brigit Cash Advance – Automatic Advances with Credit Builder (up to $250)

brigit cash advance

What makes Brigit stand out from the rest is the credit builder, and automatic advances feature.

The credit builder feature is excellent because you build credit with each advance you take.

This is my personal go-to app for cash advances because I love the credit builder feature that much.

  • Zero hidden fees, credit checks, or interest
  • Instant short-term loans up to $250
  • Credit builder reports to credit bureaus automatically
  • Automatic advances to prevent overdraft fees
  • Finance helper & personalized financial health
  • Backed by Will Smith & Kevin Durant
  • Cash Advance Apps that Work with Chime

The auto advances feature will keep an eye on your bank account for overdraft risks and will automatically deposit money to prevent bank fees.

3. Earnin – No Credit Checks, No Fees & No Waiting (up to $500)

earnin payday advance

Earning is one of the best cash advance apps for helping people get early access to their paychecks.

With Earnin, people can get up to $100/day or $500/paycheck – instant cash with no interest, no hidden fees, and of course, no credit check.

  • Zero hidden fees, no interest/penalties or credit checks
  • Instant, short-term loans up to $500 with no waiting
  • Balance shield alerts for low bank account balances with $100 automatic deposits
  • Simple and fast setup that works with most banks
  • Cash Advance Apps that Work with Chime

This service is very highly rated for a reason – users are satisfied with the app and that says a lot.

How do you connect Chime with Earnin?

According to the Earnin website, the service is currently being tested with a small group of Chime users.

Earnin is improving its service to provide full-fledged support to Chime users.

Determining the pay schedule for Chime users is complicated, as they can receive their paycheck up to two days earlier.

As a result, using Earnin with Chime is a bit of a trial-and-error process.

You can try linking your Chime Bank Account in Earnin App by going to Earnin App Settings -> “My Bank.” Look for Chime Bank and enter your Chime Bank information.

Check to see if you received the confirmation to see if you are one of the lucky Chime users that Earnin supports.

If Earnin confirms that your Chime Account has been successfully linked, enable the “Allow Transactions” option in your Chime Account settings.

Earnin will now be able to send “Cash Outs” to your Chime account and auto-debit your account on payday.

You can refer to their website for step-by-step instructions.

Earnin does not charge interest or payments but requests a tip when you use it to advance money from your paycheck.

4. Cleo – Flexible Cash Advance

  • Cash advance of $20-$100
  • There are no interest fees
  • Payback any time between 3 and 28 days.
  • Low monthly fee of $5.99
  • Budgeting & Autosave
  • Money apps that work with Chime

Cleo is one of the few cash advance apps compatible with Chime.

Sign up for Cleo Plus Service and link your Chime bank account or debit card to get the cash advance.

Cleo supports over 3000 US banks/providers, with Chime bank account being one of the top ten.

Cleo is an AI-powered chatbot app that functions similarly to a money management app, allowing you to link a bank account and analyze your deposits and spending habits.

Cleo also allows you to borrow interest-free funds (Salary advance) up to $100 for up to 28 days if you’ve been using it for a while. To do so, you must subscribe to the Cleo Plus service based on your spending habits and fund balance.

5. MoneyLion – No Fees Cash Advance

  • Cash advances of up to $250
  • There is no interest fees
  • There are no late fees
  • There is no credit check
  • Payday arrives early
  • A great deal more
  • Cash advance apps that work with Chime

Money Lion is a well-known cash advance app that works with Chime.

To link a Chime Account in MoneyLion, navigate to the “Finances” tab at the bottom of the MoneyLion home screen and click “Link an account.”

Chime bank can be found by selecting it from the list of options or using the search bar.

To be eligible under their terms, keep a few things to keep in mind when connecting your Chime Bank Account to MoneyLion.

  • The bank account has been open for at least two months and receives regular income/paycheck deposits.
  • It has a favorable balance.

MoneyLion is a membership-based service that allows you to get up to $250 in instances (no interest) ahead of payday. It also offers short-term loans.

6. Dave – Simple Cash Advance App

  • A $200 advance is available with the setup of a direct deposit
  • With a linked bank account, you can get a $100 advance
  • Credit enhancer to improve your credit score
  • Chime is linked directly to Earnin
  • Payday arrives early
  • There is no interest
  • There is no credit check
  • FDIC insured
  • Advance Apps that Work with Chime
  • Low monthly fee of $1

Dave is a cash advance app that allows users to connect their Chime Accounts.

There appear to be no issues for users who bank with Chime and use Dave.

Dave typically offers cash advances to cover minor expenses (up to $75).

It operates on voluntary tips and has a $1 monthly subscription fee.

How to Request an Advance with Dave (Step-by-Step)

Here’s how it works:

  1. Navigate to the ‘Advanced’ tab.
  2. Select ‘Get cash now.’
  3. Choose the amount to advance.
  4. Confirm the date of your auto-payback.
  5. Check the following boxes on the Confirm Advance screen:
  6. Amount of the advance
  7. Tip amount Choose a delivery method
  8. Standard – Free – Delivery in 3 business days
  9. Instant – Low Cost – Arrives in seconds to 8 hours
  10. Last four digits of a debit card or account
  11. The total amount as well as the due date
  12. To agree to the payment authorization, check the box.
  13. To confirm, move the slider.

How do you connect Chime with Dave?

  1. Navigate to the Profile tab.
  2. Select Linked Banks and Cards
  3. Change the setting next to Linked Banks.
  4. Change the bank and then click Continue.

7. Varo – Bank App with Loan Feature

  • Up to $100 in cash advance
  • For every $100, there is a $5 fee
  • Cash advance apps that work with Chime

Varo is at the bottom of this list because they charge a fee of up to $5 for taking out their maximum cash advance of $100.

The fee is $4 for a $75 cash advance, $3 for a $50 cash advance, and there are no fees for a $20 cash advance.

However, unlike other fintech, they do not charge a fee to transfer it to your account immediately.

Varo’s cash advance is available to you if you meet the following criteria:

  • Your Varo Bank Account is operational.
  • Your Varo Bank Account and Savings Account are not in the red.
  • Your Varo Bank Account has been open for at least 30 days.
  • You must have made at least $1,000 in qualifying direct deposits to your Varo Bank Account, Savings Account, or both in the last 31 calendar days.

How do you connect Chime with Varo?

To link Chime to your Varo account, do the following:

  1. Select “Link an Account +” from the drop-down menu.
  2. If you don’t see an icon for Chime, search for it.
  3. When selecting your bank, choose the one with the web address where you normally log in online.
  4. Enter your user ID and password, then click “Submit.”
  5. Chime’s prompts should be followed.
  6. Continue responding to Varo prompts until your external accounts and balances appear on the Accounts page.

8. Empower – Payday Loans that Work with Chime

  • A payday loan of up to $250
  • There is no interest
  • There are no late fees
  • Does not affect credit score
  • Payday arrives early
  • Cashback of up to 10%

Empower App is another app that works with Chime.

You can link your Chime Bank account by going to the Empower app’s home page, scrolling to the Accounts section, and tapping on the +icon to add Chime using your online banking information.

It allows eligible members (who must have a checking account) to receive an interest-free advance of up to $250.

For Empower to qualify, you must have a healthy current account balance, recurring deposits from your employer, and a balanced history. It also has an $8 monthly subscription fee.

How do you connect Chime with Empower?

Go to your app’s Home page, scroll down to the Accounts section, and click the + icon in the upper right. Empower makes use of Plaid to connect external accounts to Empower.

9. Albert – Payday Loans for Chime Users

  • Payday loans of up to $250
  • There is no interest
  • Payday arrives early
  • Investing Options
  • Budgeting and Saving

Albert is another cash advance app that works well with Chime.

You can link your Chime Account to Albert to receive a cash advance against your next paycheck.

Alber provides advances ranging from $100 to $250, depending on your income.

Albert, once again, does not charge interest or late fees.

Albert, like other apps, operates on a subscription model, with a monthly fee of $3.99. In addition, if you want to advance immediately, you must pay a $4.99 delivery fee.

How do you connect Chime with Albert?

  • Go to the Budget tab.
  • Tap the + button at the top of the screen.
  • If Chime isn’t listed, try searching for it by name.
  • On the following screen, enter Chime’s account credentials.

If you can’t find Chime there, you can manually add it.

You might also be interested in learning what cash advances apps work with Cash App.

Chime SpotMe – Overdraft Protection for Chime Accounts


You can use Chime’s product, Chime SpotMe, which allows you to have an overdraft of up to $200 (starting at $20) with no fees.

You must be eligible for a direct deposit of $500 or more.

The history and activity of your account determine the limit.

With this service, any Chime debit card purchase that exceeds your balance can be funded up to your overdraft limit.

As a result, it is only permitted to make purchases with your Chime Debit Card and not withdraw cash or transfer funds to another person.

You can see if you are eligible for Chime SpotMe by going to the Settings Tab (make sure you have the most recent version of their app).

Chime SpotMe allows you to send Spot Me Boosts to other chime users in exchange for a $5 temporary increase in their Chime Spot Me Limit. Probably something to think about for Christmas.

How Do These Cash Advance Apps Work?

Cash advance apps are a new mobile app that allows you to get cash from your phone without going through a bank or other financial institution.

With a cash advance app, you can download the app, enter your personal information, and then receive an immediate decision on whether or not you are approved for a cash advance.

The app will deposit the money into your bank account within minutes if approved. This makes it an excellent option for people who need access to cash quickly and don’t have time to go through the traditional loan process.

Cash advance apps can be used for any purpose, such as paying bills, making debit card purchases, covering unexpected expenses, or taking care of other short-term financial needs. You must return the loan in the pay period.

Payday lenders usually require that borrowers write a check to the payday lender or provide account information for electronic payment.

In Closing: Payday Loan Apps that Work with Chime

Before you sign up for some of these quick payday advance apps, ensure that your bank will work with them.

If any of these cash advance apps are not available in your state yet, there are other apps.

We hope this article fulfills its goal – to help you determine which online payday apps work with Chime.

James Allen is a Certified Financial Education Instructor (CFEI), financial advisor, and Certified Public Accountant (CPA).

He created BillPin to give people the financial tools they need to make more informed financial decisions.

After listening to his mother tell stories about her frugal upbringing and his own experiences working as a financial advisor for almost two decades, James is on a mission to help people change their relationship with money.

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