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Cash Advance Apps That Work with Chime

Do you wish to know what cash advance apps are compatible with Chime? The blog highlights apps to help you make wise financial management judgments.
Cash Advance Apps That Work with Chime
Cash Advance Apps That Work with Chime
Explore cash advance apps that work with Chime. See detailed features that enhance financial flexibility. This comprehensive guide aims to tell more about it.
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Cash advance apps have revolutionized how we access funds before payday. At that time, Cash Advance apps that worked harmoniously with Chime brought unparalleled financial flexibility. Let’s explore the most noteworthy cash advance apps that seamlessly integrate with Chime, analyzing their features and how they augment the Chime experience.

Cash Advance Apps That Work With Chime

Here are the best cash advance apps available that work with Chime:

  1. Beem
  2. Cleo
  3. Empower
  4. MoneyLion
  5. Albert
  6. Klover
  7. Dave
  8. Branch
  9. Chime SpotMe
  10. Varo
  11. Brigit
Cash Advance Apps That Work with ChimeFeaturesProsCons
BeemQuick money transfers, diverse recipient options, versatile sending methodsAccessible to anyone, versatile transactions, gift cards, prepaid cards, bank transfers
CleoMoney-managing app, monitors spending, aids savings, manages budgets, personalized financial adviceOffers cashback on purchases, no interest on advances, flexible repaymentMonthly fee of $5.99 for Cleo Plus, iPhone only
EmpowerInstant paycheck cash advances, credit lines, debit card rewardsInterest-free cash advances, no fees, flexible eligibility, no credit checkCash advance limited to $250, $8 monthly subscription
MoneyLionMobile finance app, checking accounts, loans, investments, Instacash feature0% APR cash advances, multiple financial products for higher advances, Turbo delivery for quick cash accessPartial withdrawals if full repayment isn’t possible, $1 monthly membership fee
AlbertCash advance app, banking, budgeting, saving, investing, income-based advancesNo interest or late fees, no membership neededCustomer service via email or text is sometimes challenging to reach
KloverCash advances, spending insights, overdraft protection, points systemNo mandatory fees, avoids overdrawing accountsLimited $200 advances, takes three days for funds, high fast-funding fees
DaveShort-term loans, fee-free banking, no overdraft charges, ATM withdrawalsNo interest, tips on earning extra, alerts to prevent overdrafts$1 monthly membership for advances, short repayment terms
BranchCash advances, no membership or advance fees, optional tipsNo advance fee unless instant, no membership chargesLimited advance amounts, requires a supported debit card, not for remote employees
Chime SpotMeOverdraft protection, no fees, unlimited covered transactionsNo overdraft, interest, or late fees, unlimited covered transactionsNot guaranteed for all Chime users, the initial overdraft limit starts low at $20
VaroOnline bank, debit card, high-interest savings, cash advancesNo minimum balance needed, high APY for savings (if requirements are met), seven-day chat support is availableHigh-yield savings linked to checking, no wire transfers, no 24/7 customer service
BrigitPaycheck advances, credit monitoring, identity theft protection, side gigs, credit builder loansUp to $250 advances without credit check or interest, avoids overdraft fees$9.99 monthly fee for most features, requires bank account access

Beem

Beem stands out for quick money transfers, accessible to anyone without the Beem app or a specific bank account. It’s versatile, effortlessly handling transactions like money transfers, gift cards, and prepaid cards.

Features

  • Everdraft™ Feature: Enhances transaction capabilities.
  • Diverse Recipient Options: Gift cards, prepaid cards, bank transfers, instant debit card transfers.
  • Versatile Sending Methods: Contact lists, phone numbers, emails, QR codes, or @beemtag for added convenience.

Cleo

Cleo, a money-managing app, monitors spending, aids savings, and manages budgets. It playfully criticizes overspending. Cleo uses conversational AI to provide its users with personalized financial advice and insights.

Pros:

  • Offers cashback on purchases.
  • No interest on advances, no credit impact, flexible repayment.

Cons:

  • Monthly fee of $5.99 for Cleo Plus.
  • A borrowing limit of $100 
  • Only accessible for iPhone users.

Also Read: Cash Advance Apps that works with paypal

Empower

Empower is an app offering instant paycheck cash advances up to $250 and credit lines up to $1,000. Cash advances have no fees or interest, while credit lines can have a 35.99% APR. The Empower Debit Card offers up to 10% cashback rewards on purchases. 

Pros:

  • Interest-free cash advances, no fees
  • Flexible eligibility, no credit check

Cons:

  • Cash advance limited to $250
  • $8 monthly subscription

Also Read : Apps like Empower

MoneyLion

MoneyLion, a mobile finance app, offers various financial services like checking accounts, loans, and investments. Its Instacash feature provides fee-free cash advances up to $500 at 0% APR, with Turbo delivery for quick access. Repayments are automatic on payday or a set date.

Pros:

  • 0% APR cash advances
  • Multiple financial products for higher advances
  • Turbo delivery for quick cash access

Cons:

  • Partial withdrawals if full repayment isn’t possible
  • $1 monthly membership fee

Albert

Albert is a highly recommended cash advance app compatible with Chime, offering comprehensive money management for free. It integrates banking, budgeting, saving, and investing, providing advances from $100 to $250 based on income. There are no processing fees, and instant delivery for an advance incurs a $4.99 fee.

Pros:

  • No interest or late fees 
  • No membership is needed 

Cons:

  • Customer service via email or text is sometimes challenging to reach

Klover

Launched in 2019, Klover provides cash advances of up to $100 for Chime users. Alongside advances, it offers spending insights, overdraft protection, and a points system to boost borrowing limits. The app encourages tasks like inviting friends, scanning receipts, or completing surveys to earn points for more significant advances or cover instant deposit fees.

Pros:

  • No mandatory fees
  • Avoids overdrawing accounts

Cons:

  • Limited $200 advances
  • Takes three days for funds
  • High fast-funding fees

Dave

Dave is a finance app known for ExtraCash™, providing up to $500 short-term loans with optional tips. It offers fee-free banking, no overdraft charges, and free ATM withdrawals at 32,000 spots.

Pros:

  • No interest
  • Tips on earning extra
  • Alerts to prevent overdrafts

Cons:

  • $1 monthly membership for advances
  • Short repayment terms

Branch

The branch allows cash advances up to $500 via “Instant Pay,” without membership or advance fees. You can opt to leave a tip instead of paying interest. They charge $2.99 to $4.99 for instant advances withdrawn from your account on payday.

Pros:

  • No advance fee unless instant
  • No membership charges

Cons:

  • Limited advance amounts
  • Requires a supported debit card
  • Not for remote employees

Chime SpotMe

Chime’s SpotMe feature allows overdrafts from $20 to $200 without fees to direct Chime account. Eligibility is based on account activity, usually starting at $20. Users can use the Chime debit card up to their limit, with the overdraft amount deducted from the next deposit.

Pros:

  • No overdraft, interest, or late fees
  • Unlimited covered transactions

Cons:

  • Not guaranteed for all Chime users
  • The initial overdraft limit starts low at $20

Varo

Varo, an online bank like Chime, provides a debit card, high-interest savings, and an extensive ATM network. Eligibility for a cash advance (up to $100) hinges on having an active Varo account for 30 days and receiving $1,000+ in direct deposits within 31 days.

Pros:

  • No minimum balance needed
  • High APY for savings (if requirements are met)
  • Seven-day chat support is available

Cons:

  • High-yield savings linked to checking
  • No wire transfers
  • No 24/7 customer service

Brigit

Brigit, much like Chime, provides paycheck advances up to $250, preventing bank overdraft fees. For $9.99/month, users access credit monitoring, identity theft protection, side gigs, and credit builder loans. While it aids in emergencies, it might not be a sustainable financial management solution.

Pros:

  • Up to $250 advances without credit check or interest
  • Avoids overdraft fees with automatic advances

Cons:

  • $9.99 monthly fee for most features
  • Requires bank account access

Summary of the Best Cash Advance Apps that Work with Chime

The best cash advance apps compatible with Chime offer convenient financial solutions. Let’s summarize it:

AppsFeesMax Advance 
BeemNone$1,000
Cleo$100
Empower$250
MoneyLion$250
Albert$250
KloverNone$100
Dave$1$100
BranchNoneNone
Chime SpotMeNone$200
VaroNone$100
Brigit$250
Table 1.0. Best Cash Advance Apps that Work with Chime 

What is Chime?

Chime, started in 2013, is a mobile-focused financial tech company offering online banking services. With a checking account, savings, and a debit card, it aims for straightforward banking. Its app lets you easily manage accounts, set budgets, and make payments. Chime stands out for no monthly or international fees. Its SpotMe service covers overdrafts up to $20 for qualifying accounts, which are repaid with the next deposit. However, Chime isn’t a bank itself but partners with FDIC-insured banks.

Benefits of Using Chime

Chime provides numerous benefits compared to other financial institutions:

  • Access pay up to two days before payday.
  • Over 60,000 ATMs are available for use.
  • Earn higher interest on savings compared to traditional banks.
  • No monthly, overdraft, or international transaction fees.

What Are Cash Advance Apps that Work with Chime?

Cash advance apps, or payday advance apps, swiftly provide short-term loans before your payday. They advance money, which is repaid from your account balance on your next payday or an agreed date. 

While some apps linked with Chime may charge a small fee or suggest tips, they’re usually cheaper than regular payday loans or credit cards with high fees. These apps offer a quick solution when you urgently need extra cash.

Choosing a Cash Advance App that Works with Chime

Selecting the right cash advance app that complements your Chime account involves weighing various factors. Borrowing limits, repayment terms, and fees are significant in your choice.

Conclusion

Exploring cash advance applications that work well with Chime opens up new possibilities for financial freedom. We assist you in assessing the attributes of the presented applications so that you can make an educated choice, providing improved money management and quick access to funds. Also, check out Beem’s Everdraft feature, the best alternative for an instant cash advance.

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Author

Team Beem

Team Beem

Team Beem brings you the latest in the world of personal finance to you. From tips and tricks on how to manage money to how to get cash for emergencies, Beem is your destination for all the information you need to be smart about your money.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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