Chime users cannot connect to any type of cash advance app, as not all that support the Chime app. It might be time-consuming figuring out the cash advance apps that work with Chime if you find yourself in need of extra funds and you are a Chime user.
The good news is that several online loans accept Chime, and they’re making it easier for Chime users to get the financial help they need when they need it. In this article, we will explore the top 10 cash advance apps that work with Chime.
Whether you’re facing unexpected medical bills, car repairs, or any other urgent expenses, these apps can be helpful to you. So, if you’re a Chime user seeking a reliable solution for cash advances and online loans, continue reading to discover the best options available to you.
Top 10 Cash Advance Apps That Work With Chime (Online Loans That Accept Chime)
This section will take you through the top 10 cash advance apps that work with Chime.
1. MoneyLion
If you are looking for a cash advance app that works with Chime and offers a full banking experience like a traditional financial institution, then MoneyLion is a safe pick.
You can borrow from $50 to $500 for a turnaround time of 12 hours to 5 days. Also, MoneyLion supports various products that can help you build your finances, such as credit builder loans, debit card rewards, crypto accounts, and investment accounts.
2. Albert
Albert is one of the best online loans that accept Chime. It is an all-in-one app powered by Sutton Bank. You can easily link your Chime account with the app and request a loan. You can get a cash advance of up to $250 and access to paychecks. Also, you can borrow as low as $10.
The core features of the app can be accessed for free, but you need to pay $8 per month for additional features that deal with financial and investing advice. Additionally, Albert provides a debit card that allows you free access to over 55,000 ATMs in stores like Target and Walgreens. However, there have been complaints about their customer service.
3. Cleo
Cleo is one of the reliable cash advance apps that work with Chime that allows you to borrow between $20 and $250 for a standard transfer turnaround time of 3 to 4 days. You can get funded the same day by paying an express fee of $3.99.
One of the amazing things about this app is that it allows you to get a new cash advance one day after paying off the previous one, unlike most cash advance apps that demand you wait for three to five days.
The downside of the app is that, as a new user, you can only borrow $20 to $70 at first. For existing customers, the cash advance limit is only 250.
4. Brigit
Looking for one of the best cash advance apps that work with Chime that offers funding between 1 to 3 days, and sometimes the same day? Brigit is a good choice to make.
The cash advance cash limit on Brigit is $250, compared to that of SpotMe, which is $200. One of the amazing parts of this platform is that you extend your due repayment date up to three times, which makes it a good choice for anyone looking for an online loan that accepts Chime with flexible payment options.
The standard delivery turnaround time is one to three business days. However, some selected customers can get funded within 20 minutes, and Brigit does it randomly. The biggest drawback to Brigit is that it charges a fee of $9.99 a month, while SpotMe is completely free.
5. Dave
Dave is one of the most popular cash advance apps that work with Chime. Compared to Chime SpotMe, which has a cash advance limit of $200, Dave has a cash advance limit of $500. You can borrow as small as $50 and as much as $500.
The cash advance funding from Dave can be used for any type of expense, and it helps you to avoid over-drafting and analyze spending patterns that will help you to stay on budget.
6. OppLoans
OppLoans is not only one of the top cash advance apps that work with Chime, but it also provides online personal loans with no credit check for customers with bad credit. The good side of this app is that it offers larger loan amounts and longer loan terms.
You can borrow $500 to $4000 and get funded on the same business day. The loan term is typically between 9 to 18 months, and it reports its payment to three credit bureaus, which can help build your credit score. However, the APRs can reach up to 160% APR.
7. Empower
Empower is one of the top online loans that accept Chime where you can borrow $10 to $250, and the turnaround time is usually the same day. If your Chime account is linked to Empower, you will be paid up to $8 for one-hour funding. If you need more, you must wait for one business day.
8. Varo
Varo is one of the best cash advance apps that work with Chime, which operates a solid financial management system that helps you control your finances via their branchless 24/7 mobile banking and Varo Bank Visa debit cards.
Depending on how often you use the app, you can borrow up to $100. The drawback is that you are only qualified to request a loan after your account has been active for more than 30 days and have received $1,000 in direct deposits in the last 31 days. Additionally, your Varo Bank Debit Card must be linked to your Varo Bank Account.
9. Branch
Branch is one of the most reliable online loans that accept Chime. Although Branch works with Chime, to get a cash advance, you must deposit directly into the Branch account.
You can borrow up to $500, and it offers a comprehensive financial management tool to help you manage your finances. The cash advance is automatically deducted on your next payday, and no fee is charged.
10. Klover
Last, but not least of the top cash advance apps that work with Chime is Klover. Klover allows you to borrow up to $100 cash advance without paying any fees.
Klover app is easy to use. The application process is fast and simple. The drawback is that you need to deposit three times within the last two months. Also, the three direct deposit must be from the same employer.
What Cash Advance Apps Work With Chime Bank?
There are lots of cash advance apps that work with Chime Bank. The best and top on our list that work with Chime Bank include MoneyLion, Klover, Albert, Cleo, Branch and Varo. The above-discussed ones are top cash advance apps that work with Chime Bank. Among all cash advance apps that work with Chime, Varo, and Albert stand out from the rest. Low fees, flexible repayment terms, and money management features make Varo and Albert a reliable and convenient option for anyone in need of a cash advance.
Does Chime Let You Borrow Money Instantly?
Chime, the online banking platform, does not offer its own instant borrowing or cash advance service. Chime primarily provides a spending account and a savings account but does not have a feature for instant loans or overdraft protection. However, to borrow money, you have to set up a Chime checking account. After that, enroll in SpotMe. This Chime SpotMe allows you to borrow cash advances of up to $200 instantly.
Also, many third-party cash advance apps and lenders work with Chime, allowing you to link your Chime accounts for quick fund transfers. If you are borrowing money from any integrated third-party cash advance apps, carefully analyze them as they charge fees or interest on the borrowed amount.
Does Chime Work With Any Cash Apps?
Yes, there are cash apps that work with Chime. These cash apps typically allow you to link your Chime accounts for various purposes, including transferring funds, receiving direct deposits, and managing your finances.
Some top cash apps that work with Chime include PayPal, Venmo, Varo, and Dave. These cash apps come with their terms, fees, and features. Ensure to go through them to see which matches your needs the most.
Does Earn It Work With Chime?
Currently, at the time of this writing, Earnin does not work with Chime. It allows a small group of Chime users to use Earnin for a test survey. Some of the test results have shown that some Chime users received payment a day or two days after the scheduled date. It has not been publicly stated that Earnin has begun accepting Chime. Maybe it will accept Chime in the future, but nobody knows for now.
Conclusion
Cash advance apps and online loans that work with Chime accounts can provide convenient and quick access to funds and allow you access to a portion of your upcoming paycheck before the scheduled payday. It’s essential to note that these services are not traditional loans but are often considered cash advances, and they come with their terms and fees. Carefully examine the app fee, if any, and the terms of the app before borrowing from them.
