10 Cash Advance Apps That Work With Chime

1. MoneyLion

• Advance Amount: Up to $500 instantly

• Fees: Free (no interest), optional instant transfer fee

• Best For: People using Chime or traditional banks

• Why It’s Good: MoneyLion’s Instacash feature is one of the most popular. You can borrow up to $500 and repay automatically on payday.

💡 Example: If you need groceries before payday, MoneyLion can send funds directly to your Chime account in minutes.

2. EarnIn

• Advance Amount: Up to $750/month

• Fees: No fees, “tip what you think is fair” model

• Best For: Hourly workers and employees with regular paychecks

• Why It’s Good: EarnIn tracks your work hours and lets you cash out earnings daily. No overdraft fees, no interest.

💡 Example: Worked a 6-hour shift today? You can get paid instantly instead of waiting two weeks.

3. Dave

• Advance Amount: Up to $500

• Fees: Free with optional instant transfer fee ($1.99–$9.99)

• Best For: Students and gig workers

• Why It’s Good: Dave is beginner-friendly and also includes a side hustle finder to help you make extra money.

💡 Example: Running low on gas before your DoorDash shift? Dave gives you quick cash.

4. Brigit

• Advance Amount: Up to $250

• Fees: Free plan available, premium $9.99/month

• Best For: People who often overdraft

• Why It’s Good: Brigit automatically sends you cash if it predicts your balance will drop.

💡 Example: If your rent payment is about to overdraft your account, Brigit steps in with an advance.

5. Chime SpotMe

• Advance Amount: Up to $200 overdraft protection

• Fees: Free for Chime members

• Best For: Chime users with direct deposit

• Why It’s Good: Instead of denying transactions, Chime lets you overdraft up to $200 with no fees.

💡 Example: Swiping your debit card for lunch? If your balance is low, Chime covers it.

6. Albert

• Advance Amount: Up to $250

• Fees: Free advance, optional instant fee

• Best For: Budgeting + cash advances in one app

• Why It’s Good: Albert helps you manage money, save, and borrow cash without interest.

💡 Example: Need emergency cash? Albert deposits it within minutes.

7. Cleo

• Advance Amount: Up to $100

• Fees: Free, premium optional

• Best For: Fun and beginner-friendly users

• Why It’s Good: Cleo is AI-powered, helps with budgeting, and offers instant cash advances.

💡 Example: Cleo also roasts you for overspending, making budgeting fun.

8. Klover

• Advance Amount: Up to $200

• Fees: Free (ads supported), optional fast transfer

• Best For: People who want no subscriptions

• Why It’s Good: Klover doesn’t charge interest or subscriptions—just watch ads or complete offers for cash boosts.

💡 Example: Watch a short ad, and unlock faster cash.

9. FloatMe

• Advance Amount: Up to $50 (small but quick)

• Fees: Free with premium option

• Best For: Small emergency needs

• Why It’s Good: FloatMe is great for covering small daily expenses like bus fare or coffee.

💡 Example: Need $20 to fill your gas tank? FloatMe helps instantly.

10. DailyPay

• Advance Amount: Depends on employer

• Fees: Free standard, instant fee applies

• Best For: Employees with partnered companies

• Why It’s Good: If your employer supports DailyPay, you can get your earned wages anytime.

💡 Example: Worked today? Get paid today, even if payday is a week away.

Tips Before Using Cash Advance Apps with Chime

• Don’t overborrow: Only take what you need to avoid paycheck stress.

• Check fees: Some apps are free, others charge a monthly.

• Use instant transfer wisely: Paying $3–$5 for instant cash is fine in emergencies, but don’t rely on it daily.

• Repay on time: Since Chime has early direct deposit, repayment is usually smooth.

FAQs-Cash Advance Apps That Work With Chime

Q1: Does Chime work with EarnIn, Dave, and Brigit?
Yes, all of these apps work perfectly with Chime.

Q2: Can I get instant cash with Chime?
Yes, most apps like EarnIn, Dave, and Albert offer instant cash-out to Chime for a small fee.

Q3: Which cash advance app gives the highest limit with Chime?
EarnIn gives up to $750 per pay period, which is the highest among cash advance apps.

Q4: Is SpotMe enough or should I use apps?
Chime SpotMe is free but has a $200 limit. If you need more, use cash advance apps as backup.

Finding cash advance apps that work with Chime in 2025 is easy—most popular apps already connect smoothly. If you just need small amounts, Chime’s SpotMe is enough. But if you want larger advances or instant cash, apps like EarnIn, Dave, and MoneyLion are the best options.

👉 Pro tip: Use these apps only for emergencies and short-term needs, not as a replacement for a stable income.