Cash Advance Apps That Work with Chime: Top Picks for Quick Access to Cash

When it comes to accessing emergency cash, finding reliable cash advance apps that work with Chime can make all the difference.

Chime, known for its user-friendly features and minimal fees, has become a go-to choice for those seeking financial flexibility.

Pairing Chime with compatible cash advance apps lets users access quick funds for unexpected expenses, bridging financial gaps between paychecks.

Here’s a look at some of the best cash advance apps that work seamlessly with Chime, including Beem’s Everdraft™ feature, to help you make the most of this financial flexibility.

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.

11 Best Cash Advance Apps That Work With Chime

Cash advance apps let you borrow small amounts of money with minimal to no interest, perfect for covering unexpected expenses or bridging financial gaps between paychecks. When paired with Chime, these apps provide a seamless experience, letting you access your funds almost instantly.

Here are 11 cash advance apps that are compatible with Chime and are ideal for anyone needing fast access to cash.

Best cash advance apps 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 Chime	Features	Pros	Cons
Beem	Quick money transfers, diverse recipient options, versatile sending methods	Accessible to anyone, versatile transactions, gift cards, prepaid cards, bank transfers	–
Cleo	Money-managing app, monitors spending, aids savings, manages budgets, personalized financial advice	Offers cashback on purchases, no interest on advances, flexible repayment	Monthly fee of $5.99 for Cleo Plus, iPhone only
Empower	Instant paycheck cash advances, credit lines, debit card rewards	Interest-free cash advances, no fees, flexible eligibility, no credit check	Cash advance limited to $250, $8 monthly subscription
MoneyLion	Mobile finance app, checking accounts, loans, investments, Instacash feature	0% APR cash advances, multiple financial products for higher advances, Turbo delivery for quick cash access	Partial withdrawals if full repayment isn’t possible, $1 monthly membership fee
Albert	Cash advance app, banking, budgeting, saving, investing, income-based advances	No interest or late fees, no membership needed	Customer service via email or text is sometimes challenging to reach
Klover	Cash advances, spending insights, overdraft protection, points system	No mandatory fees, avoids overdrawing accounts	Limited $200 advances, takes three days for funds, high fast-funding fees
Dave	Short-term loans, fee-free banking, no overdraft charges, ATM withdrawals	No interest, tips on earning extra, alerts to prevent overdrafts	$1 monthly membership for advances, short repayment terms
Branch	Cash advances, no membership or advance fees, optional tips	No advance fee unless instant, no membership charges	Limited advance amounts, requires a supported debit card, not for remote employees
Chime SpotMe	Overdraft protection, no fees, unlimited covered transactions	No overdraft, interest, or late fees, unlimited covered transactions	Not guaranteed for all Chime users, the initial overdraft limit starts low at $20
Varo	Online bank, debit card, high-interest savings, cash advances	No minimum balance needed, high APY for savings (if requirements are met), seven-day chat support is available	High-yield savings linked to checking, no wire transfers, no 24/7 customer service
Brigit	Paycheck advances, credit monitoring, identity theft protection, side gigs, credit builder loans	Up to $250 advances without credit check or interest, avoids overdraft fees	$9.99 monthly fee for most features, requires bank account access

1. 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.

• 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.

Beem’s Everdraft™ feature offers an innovative way to access instant cash without fees or credit checks. Designed to be flexible and user-friendly, Everdraft™ is ideal for Chime users who want fast, reliable access to funds.

How it Works with Chime: Beem seamlessly connects with Chime, letting users transfer funds quickly and easily. Everdraft™ stands out because it’s more than a traditional cash advance — it provides ongoing financial support without strict repayment deadlines, helping users stay financially stable over time.

Key Features:

• No Interest or Fees: Everdraft™ doesn’t charge interest or hidden fees, so you can access funds without worrying about extra costs.
• Instant Access: Everdraft™ deposits funds quickly, making it easy to cover unexpected expenses.
• Additional Financial Tools: Beem also offers budgeting, credit monitoring, and other tools to help users manage their finances.

2. 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.

How to add Chime to Cleo

• Log in to the Cleo app.

• Find the “Manage Your Wallet” section.

• Click “Update Bank” or a similar option.

• Enter your Chime account information.

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

3. 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. 

How to add Chime to Empower

• When signing up for Empower, you’ll be prompted to verify your information and link your bank account directly through the app. This eliminates the need for separate steps later.

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

4. 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.

How to add Chime to MoneyLion

• Open your MoneyLion app.
• Locate the “Transfers” section within the app.
• Find and tap the “Add Account” option.
• Utilize the search bar within the “Add Account” menu.
• Type in “Chime” and select it from the search results.

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

5. 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.

How to add Chime to Albert

• Open the Albert App:

• Locate Budget

• Add Account: Look for a plus sign (+) at the top of the “Budget” screen and tap on it.

• Choose Chime: Select Chime from the list of available institutions (if it’s listed). If Chime isn’t readily available, use the search bar to find it.

• Provide Chime Information: Enter your Chime account login credentials securely when prompted.

Pros:

• No interest or late fees 
• No membership is needed 

Cons:

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

6. 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.

How to add Chime to Klover

• Simply follow the prompts that appear as you register with Klover.

• These prompts will guide you through linking your Chime account directly.

Pros:

• No mandatory fees
• Avoids overdrawing accounts

Cons:

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

7. 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.

How to add Chime to Dave

• Log in to your Dave app.

• Open your profile.

• Find “Linked Banks and Cards” or similar.

• Tap “Change” or “Add Account.”

• Search for Chime.

• Follow the prompts.

Pros:

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

Cons:

• $1 monthly membership for advances
• Short repayment terms

8. 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.

How to link your Branch account to Chime

• Navigate: Open the Chime app and head to the “Settings” section.
• Locate: Find the “Payment Methods” option and select it.
• Add Account: Choose “Add bank or card” and then select “Bank.”
• Instant Verification: Opt for “Instant Verification” and agree to Chime using Plaid for secure linking.Chcek whether this cash advance app accepting Plaid or not.
  Select Branch: On the “Select your bank” page, search for “Branch” and choose it.
• Phone Verification: Enter the phone number associated with your Branch account.
• Verification Code: A verification code will be sent to your phone via text message. Enter this code along with your Branch password.
• Finalize: Click “Next” to finish linking your Branch account.
• Confirmation: Return to the Chime app and click “Add” to complete the process.

Pros:

• No advance fee unless instant
• No membership charges

Cons:

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

9. 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

10. 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.

How to add Chime to Varo:

• Log in to your Varo account.

• Locate the “Transfer” or “Send Money” section (the exact wording might differ slightly).

• Choose “Add Account” or “Link Account.”

• Search for Chime and select it. Enter your Chime login credentials when prompted.

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

11. Brigit

Brigit, an apps 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:

Apps	Fees	Max Advance
Beem	None	$1,000
Cleo	–	$100
Empower	–	$250
MoneyLion	–	$250
Albert	–	$250
Klover	None	$100
Dave	$1	$100
Branch	None	None
Chime SpotMe	None	$200
Varo	None	$100
Brigit	–	$250

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.

Frequently Asked Questions About Cash Advance Apps That Work With Chime