Chime®* is a popular financial technology app that provides users with simple banking services like a checking account, savings account and a secured credit card. The app’s popularity stems from its simplicity and intuitive, user-friendly interface.
Although Chime streamlines the banking process for its users, working with a cash advance app can help you get cash immediately if you’re facing a temporary cash shortfall and need quick access to funds before your next paycheck.
Best Cash Advance Apps That Work With Chime
Although they may seem like an obvious option, payday loans are actually very dangerous. Cash advance apps are a better option because of their simpler processing and prompt service. If you’re using Chime, you’ll need to find cash advance apps that are compatible with it for smoother processing.
Popular cash advance apps that work with Chime include:
1. Chime MyPay
Chime recently launched its own cash advance app called “MyPay.” To receive instant cash1 from this service, you’ll pay a $2 one-time fee, or you can wait and receive your cash within 24 hours for free2. You can borrow up to $500 instantly, which will be repaid when your next paycheck deposits3.
There are no monthly service fees and no interest charges4. The only requirement is that you have direct deposit setup and have received at least two paychecks over $200 each in your Chime account.
This is the easiest way to get a cash advance with your Chime account as it is built directly into the app itself.
Pros
- As of March 31, 2025, you can borrow up to $500 with no fees or interest charges.
- MyPay is built into Chime app and no third-party integration is needed.
Cons
- $2 fee is charged for instant cash.
How To Link MyPay To Chime
MyPay is built into the the Chime app. All you need to do is sign up. To qualify, you need to make at least two direct deposits of $200 or more within 34 days into your Chime MyPay account.
2. Albert
Albert is one of the most popular cash advance apps that is compatible with Chime. It does not have any processing or late fees. You can get an advance of up to $250 which you can repay with your next paycheck using “Albert Instant Advance.”
Albert is not a bank itself and the banking services are provided by Sutton Bank. It deposits the advance directly into your Chime account.
Pros
- The funds deposited in Albert Cash and Albert Savings are FDIC-insured.
- Users can get up to 20% cash back when they buy gas, groceries and more with an Albert debit card.
Cons
- The free version of Albert does not include personal finance tips and rewards.
How To Link Albert To Chime
To link your Albert account with Chime, you need to access your profile and go to “Linked accounts.” Search for Chime and add it by signing in with your Chime credentials.
3. Cleo
Cleo has no processing fees when you are trying to get a cash advance in the Cleo App. If you want the money instantly, there is a fee, however. As of March 31, 2025, you can get up to $250 cash advance through Cleo.
Pros
- Cleo has many helpful features that assist users in building credit and avoiding overdrafts.
- It provides its users with tools that encourage savings and prepare budgets.
Cons
- The cash advance feature of Cleo is not free. Users need to subscribe to Cleo Plus or Cleo Builder by paying a monthly fee of $5.99 to $14.99.
- Cleo charges an additional fee for express transfers.
How To Link Cleo To Chime
Within the Cleo app, you can add your Chime account using the “Spend” tab. Choose to connect to your bank through Plaid, or add a bank account manually.
4. Empower
Empower offers an instant credit of up to $300 through its app. With over $2 billion in advances provided, it’s a trusted option for many users.
However, cash advance fees apply based on the amount borrowed, with charges up to $8. Additionally, a monthly subscription to Empower, costing $8, is required to complete transfers.
Pros
- Empower does not charge any interest on its money advances.
- There are no late fees charged if you are delayed in making payments.
Cons
- The cash advance features are not free, and users need to enroll in a monthly subscription that costs $8 after a 14-day trial period.
- Depending on the amount you borrow, you may also pay up to $8 for instant cash advances.
How To Link Empower To Chime
To link your Empower app to Chime, you’ll need to navigate to the analysis page in the app. Scroll down to the “Accounts” section and choose the “+” symbol. You can search for Chime and follow the prompts to connect your Chime account.
5. Varo
Varo offers a robust financial management system that enables users to manage their money effortlessly. Users have access to contactless Varo Bank Visa debit cards and 24/7 branchless mobile banking. Depending on your usage, you can receive instant cash advances of up to $500.
Pros
- Users can get up to 6% cash back for using Varo cards.
- Varo has high-yielding savings accounts that pay interest.
Cons
- You can only receive cash advances after your account has been active for over 30 days and you have received $800 in direct deposits.
- Your Varo balance must be at or above $0 when making the request for a cash advance.
- Cash advances follow a tiered fee structure, with charges reaching up to $40.
How To Link Varo To Chime
To link your Varo account to Chime, go to the accounts section in your Varo app and look for “Add an account.” Search for Chime, log in with your Chime credentials and your account will be connected.
6. MoneyLion
Similar to Varo, MoneyLion’s cash advance limits depend on how much you’ve received in direct deposits. A user can get an advance of up to $500 with no fees or interest charges, as of March 31, 2025.
Pros
- Become a RoarMoney user and get a cash advance of up to $1,000.
Cons
- You may be charged instant cash fees of up to $8.99.
How To Link MoneyLion To Chime
To link MoneyLion to Chime, all you have to do is go to your “Transfers” screen and select “Add account.” You can search for Chime and enter your credentials to link the account.
7. Dave
Dave has an ExtraCash feature that allows users to get a cash advance of up to $500. The process is prompt, and you can easily transfer funds to your Dave checking account to spend the money you receive.
Pros
- There is no interest or credit check required to get a cash advance from Dave.
- You can spend the money instantly through the Dave checking account.
Cons
- There are additional fees for instant transfers.
How To Link Dave To Chime
To link your Dave account to Chime, you can go to your app settings and select “Linked bank and cards.” Choose “Change bank” and search for Chime. Sign in with your credentials to link your Chime account.
8. Klover
Klover is a good option if you require some extra cash before payday. You can get up to $200 without paying any fees. To get started, you need to provide your personal details, link your bank account and verify your paycheck.
Pros
- The signup process is simple and fast.
- You can win extra money in the Klover app’s daily sweepstakes.
Cons
- To qualify for a cash advance, you need to have three consistent direct deposits in the last two-month period.
How To Link Klover To Chime
To link your Klover account to Chime, log into Klover and select the profile icon. Choose “Bank” and search for Chime. You will login into Chime with your credentials and your account will be linked.
How To Choose The Right Cash Advance App To Connect With Chime
There are many cash advance apps that work with Chime — how do you pick the right one? The best fit for you will vary depending on your financial needs and goals.
Here are a few things to consider when choosing a cash advance app:
- Qualifications:
- Some cash advance apps require a record of direct deposits from your linked bank account, or direct into their checking account.
- Others require minimum balance amounts before allowing you to borrow.
- Make sure you can meet the qualifications before choosing an app to borrow from.
- Maximum amounts:
- Some cash advance apps let you borrow up to $200, others allow up to $500 or more.
- Make sure whatever app you choose allows you to borrow enough for your needs.
- Fees:
- Most cash advance apps charge borrowing fees, but you can pay much less by choosing the right app.
- Make sure to understand how fees are assessed and find an app that saves you money and still gets you money on time.
Good To Know
Whatever app you end up choosing, it’s important to ensure you have the means to pay back your cash advance loan, or you’ll end up paying a lot in fees and penalties.
Final Take
When you need money quickly, turning to friends and family might not always be an option. That’s where cash advances can come in handy, offering a fast way to access funds.
Although they might seem useful, you should be careful about borrowing money from cash advance apps. Never borrow more than you can afford to pay back.
Chime Cash Advance Apps FAQ
- What apps will let me borrow money instantly?
- There are various cash advance apps like Dave, Earnin, Albert and Varo that allow users to borrow money instantly. The amount of advance depends on the eligibility criteria set by each of these apps. However, the user should check the requirements and restrictions before they use the services of these apps.
- Can I get a cash advance on my Chime Card?
- Chime recently launched MyPay, which allows you to get up to $500 instantly. The advance deposits directly in your Chime account -- which can be used with your Chime Card. There is a $2 fee for instant deposits.
- Do any loan apps work with Chime?
- Cash advance apps and payday loan apps like Dave, Varo, Albert, Cleo, Empower and MoneyLion work well with Chime. Users should check the requirements of the individual apps and the ways to link their Chime account with them.
- Does Albert work with Chime?
- Albert is a cash advance app that works with Chime perfectly. You can easily connect your Chime Wallet with the Albert app to receive the cash advance directly into your Chime account.
Jacob Wade contributed to the reporting for this article.
Information is accurate as of March 31, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
*Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A.
1Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. Once you are approved for a Chime Checking Account, see your issuing bank’s Deposit Account Agreement for full Pay Anyone Transfers details. Please see the back of your Chime debit card for your issuing bank. See Terms and Conditions.
2There’s no fee for the Chime Savings Account. Cash withdrawal and third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
3Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
4Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.