10 Instant Cash Advance Apps That Work With Chime

Are you a Chime user looking to get extra cash before your payday but do not know which app works with Chime? Then this is your sure place to get answers. And not just answers but the best you can ever think of. This article contains 9 Cash Advance apps that work with Chime including Albert, Dave, Cleo, Klover, and many other alternatives. Read the complete article to see all of them.

Are There Cash Advance Apps That Work With Chime? Of course yes, there are Cash Advance apps that work with Chime. This is not to say that all Cash Advance apps are compatible with Chime anyway. Even though there seems to be a handful of apps that give cash advance these days, not so many of them are in agreement with non-traditional banks like Chime and Cash App.

Nonetheless, thorough research has been able to discover some apps that work well with Chime. And with them, you wouldn’t have to go through much stress in getting extra cash. See them as we proceed to the main reason for this piece.

What Cash Advance Apps Work With Chime?


The following are some of the best Cash Advance apps that work with Chime. Read through them to see what they are made of, the requirements for use, and how to add them to Chime. You will also find a few of their pros and cons embedded within.

  • Chime SpotMe
  • Albert.
  • Dave
  • MoneyLion
  • Branch
  • Klover
  • Cloe
  • Varo
  • Empower.

See the details of each of them as you continue reading;

Chime SpotMe


One of the most reliable Cash Advance apps that work with Chime is Chime SpotMe. It is available to any qualified person including Chime users. It gives an overdraft of between $20 and $200.

However, you must have a direct deposit account with Chime to qualify. If you are eligible, the SpotMe feature will appear in your app when you check the settings tab. The beautiful thing about this app is that it does not charge overdraft, interest, or late fees.



Albert is usually the first that comes to the mind of many when Cash Advance apps are discussed. And thankfully, it is one of those that work with Chime. With this app, you can get up to $250 cash which will be repaid on your next paycheck. It also does not have processing fees except for instant cash which will be facilitated with $4.99 delivery fees.

To use Chime with Albert, you have to use the former as your budget option on your Albert app with the following steps.

  • Log in to the Albert app on your device
  • Click on the “Budget” option.
  • Select the plus (+) sign at the top of the page.
  • Now select Chime from the list of options or search for it if not found in the list.
  • Now enter the details of your Chime account and you will be prompted.


Dave is also one of the best Cash Advance apps that work with Chime. With its ExtraCash feature, it gives up to $500 cash advance without interest or even checking your credit score. Its payment process is prompt and easy. However, it charges $1 as a monthly subscription fee and also charges a fee of $2.99-$13.99 for Express payment.

To add Chime to Dave, open your profile. Select “linked banks or cards”

Click on “change”. Now search for Chime and click on it. Follow the prompts to complete the linking process.


MoneyLion is a finance app with many beneficial finance features, one of which is InstaCash. It gives you up to $500 with no interest if you meet up with its eligibility criteria. Some of the criteria are; you must have a MoneyLion and a linked bank account with a traditional bank for at least two months with regular cash flow. To use Chime with MoneyLion, add it as a transfer option in your “transfer” tab on the app. See some of its Pros and Cons below.


  • It has multiple financial products.
  • Users of its products can get up to $1000 cash advance.
  • It gives instant cash advances to holders of its debit card.


  • 3% to 5% of the total cash advance is paid as fees.
  • Failure to repay the loan fully results in partial withdrawal till the payment is made.
  • Users pay $1 monthly subscription fee.


Branch’s Instant Pay gives up to $500 cash advance and it works with Chime. It requires you to add a direct deposit account to optimally use it. To use Chime with Branch, you have to use Plaid as an intermediary to link both of them.

It has so many pros including its multiple financial features, no interest and subscription fees, etc. However, its major cons are that the app faces a lot of downtime and is not available for remote workers.


Klover is also an amazing Cash Advance app that works with Chime. It gives up to $100 cash advance with no fees. It gives larger cash to customers who complete certain tasks on the app like watching ads, taking surveys, inviting friends, etc. You can use it with Chime by simply linking your Chime account during the registration process. Note that it has been observed that this app has complex eligibility criteria.


Cleo is another app that gives an interest-free cash advance. You can get up to $100 with no credit check. However, it charges $4 for express transfers and $5.99 monthly subscription fee.


Also on the list of Cash Advance apps that work with Chime is Varo. it gives up to $100 cash advance instantly but you must have an account with them and get the contactless Varo Bank visa debit card. And your account must be active for at least 30 days before the advance is given.


Empower also works with Chime and gives up to $250 cash advance. However, you must meet its strict eligibility criteria such as having a healthy current bank account with a direct deposit of $500. And a monthly subscription fee of $8. To use it with Chime, go to the account section of the app and click on the + sign.

Does Earnin Work With Chime?


Earnin is another Cash Advance app that sometimes works on Chime but is not for everyone. You can try it out to know if it will work for you.

Does Brigit Work With Chime?


Although it is another very beautiful Cash Advance app, it does not work with Chime. This is because of connection problems. However, there are reports that it sometimes works for old users but is not available to new Chime users.

Do Cash Advance Apps Affect Your Credit Score?


Not really, Cash Advance apps do not report your debt as in traditional loans hence it does not affect your credit score. However, it can increase your debt-to-income ratio.


Cash advance apps are cheaper alternatives to payday loans and we have seen 9 Cash Advance apps that work with Chime. I hope you explore them all and choose the best for you.

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