8 Payday Loans That Accept Chime

Chime works like a real bank, with direct access and additional benefits. Lenders offer loans to people with a Chime account, as it’s a recognized entity. But does it sound too good to be true? We take you through the details.
8 Payday Loans That Accept Chime
While Chime isn't a traditional bank, it offers similar features and sometimes more. As a result, lenders trust Chime enough to give payday loans on this platform. Let's look at them.
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Chime has more than 14 million customers. Priori Data shows more than 9 million users use Chime as their primary account.

Chime allows you to create an account and use it anywhere. While Chime isn’t a traditional bank, it offers similar features and sometimes more. As a result, lenders trust Chime enough to give payday loans on this platform.

In this article, we’ll examine how Chime works and how to get a payday loans with it.

Chime, an Overview

Here is an overview of Chime. 

  1. You can use Chime’s Spotme feature and get advances ranging from $20 to $200. 
  2. If you’re a Chime user, payday lenders near you will offer loans. 
  3. You can use your debit card to overdraft your Chime account.
  4. Cash advance applications like Honest Loans, Dave, Fig Loans, MoneyLion, and others can work with Chime. 
  5. Chime offers most services like traditional banks.

How Chime Works

Chime is among the favorite platforms for many lenders and borrowers. Here is how Chime works.

Free Account

If you are an individual over 18, Chime lets you open a fee-free account for savings and checking. You can eliminate traditional banking fees and easily start your fund’s journey. 

Mobile Accessibility

You can access the Chime application from anywhere on your smartphone. You can use and manage your account using an Android or iPhone device. This platform provides the perfect digital banking experience to its customers. 

Enable Direct Deposits

You can get access to the direct deposit functionality with this application. Send and receive money seamlessly directly into your account. 

Debit Cards and Added Convenience

Every Chime account user receives a debit card that can be used at over 60,000 ATMs. This gives you easy access to cash whenever you need it.

Accounting Options

Chime is a simplified banking solution with standard checking. You can get savings accounts and ensure account management is seamless.

Cash in Advance

Chime allows you to withdraw cash ranging from $20 to $200 without overdraft fees. This platform is cost-effective and a better alternative to traditional payday loans. You are getting the required financial assistance without any hassle.

How To Get Payday Loan With My Chime Account

Most lenders accept Chime as a payment method for payday loans. Let’s discuss getting a payday loan with your Chime account. Payday loans are expensive and have high interest rates. Therefore, you should consider alternatives for funds proceeding. 


This platform provides budgeting tools to the customers. You can access your paycheck and cover bills with this application.

Get up to $250 before your paycheck arrives, You can access funds within three business days of applying for money. You will get the required assistance from Albert. You can get expedited delivery with a nominal fee. But, There are others Apps like Albert which can get you more than $250 with less fee and you can try it out now.


You can get financial insights and small cash advances with Cleo. You can even avoid payday loans with this platform. Apps like Cleo can get you more than $100 and your funds will reach your Chime account within four days of application.  


Get eligible for advance cash, bill payment, and budgeting tools with this platform. You can easily manage your funds and avoid payday loans. Try Apps like Empower and get advance more than $250. You can avail of expedited delivery with a nominal fee of $2 to $8. Further, users have to pay a monthly subscription fee of $8. 

Fig Loans

This platform offers small installment loans with transparent terms. This option is perfect if you need significant repayment time. You can get funds in advance up to $500 over four months. Fig Loans provides a low APR of approximately 190%. 


With Dave, you get a budgeting tool and a safety net for overdrafts. You can avoid paying payday loan fees and get access to emergency expenses. 

Enjoy a cash advance of up to $500 with direct deposit. You can get this money without worrying about interest or credit checks. 


You can get cash advances and financial literacy tools with Klover. Further, you get help in managing your finances and avoiding payday loans. Get up to $100 in advance with zero interest. 

Honest Loans

Connect yourself to lenders that offer you small personal loans on this platform. Honest Loan is an alternative to payday loans with comparatively low interest rates. Get loans from $100 with fast funds in one business day. 

Money Lion

Get access to cash advances, mobile banking services, and credit-building tools all in one application. With direct deposit, you can withdraw between $25 and $250 or 15% of your recurring paycheck. Enjoy funds with zero interest, late fees, or credit checks.

Try Beem and Get Emergency Cash Anytime

Chime works like a real bank, with direct access and additional benefits. Lenders offer loans to people with a Chime account, as it’s a recognized entity. However, you should understand the impact that comes with payday loans. You have to pay a high interest rate. Moreover, you risk entering a debt cycle. You can look for alternatives to payday loans and save significantly. 

Try Beem, a platform that offers anything between $5 and $1,000. You do not worry about interest, credit scores, or your current paycheck status. Sign in with Beem. 

Making payments on time can even unlock extra cash. Don’t wait—try Beem for emergency funds now.

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Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.


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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