Payday Loan That Accepts Chime | Best 5 Cash Advance Apps

Chime itself is a reliable option if you wish to borrow a short-term loan of up to $200. However, your financial emergency may go beyond that limit. To make ends meet until you get your next paycheck, learning about a payday loan that accepts Chime would be beneficial. Additionally, you can discover cash advance apps that work with Chime to make loan acquisition super fast and easy. 

What Will We Talk About Here?
  • Payday loan that accepts Chime include Dave, Moneylion, Cleo, Albert, and Varo.
  • The payday loan programs come with variable interest rates so you have to check their terms and conditions.
  • Some cash advance apps also work with Chime using a similar protocol.

…and Much More!

Payday Loan That Accepts Chime

Payday loan networks act as conduits for such individuals who seek funds based on poor credit without charge or obligation; they can put you in touch with companies that offer payday loans, short- and long-term personal loans, or a combination.

Most lenders can deposit your loan funds as soon as the subsequent business day. The only downside is that there are usually high-interest rates on such loans.

24/7 Lending Group 

  • 24/7 Lending Group has successfully linked individuals with direct lenders.
  • It works with some of the best loan lenders found online.
  • The company provides loans as much as $35,000 with maximal APRs of 35.99%.
  • 24/7 Lending Group readily displays loan options so that they can be easily compared in terms of interest rates and conditions.
  • Moreover, no offer is required to be accepted.


  • MoneyMutual acts as an online marketplace. You can visit a single location, complete a quick and secure form, and locate a lender.
  • MoneyMutual is not a lender or a party to the actual loan transaction.
  • Moreover, Chime allows you to apply for and repay a payday loan on the day of your next paycheck.
  • Alternatively, you can request a Personal Installment Loan that will be paid from your Chime account in three monthly installments.
  • You must be 18 years of age or older, a US citizen or lawful permanent resident who receives government benefits or income exceeding $800/month.

  • CashUSA can link you with a variety of reputable U.S. lenders with quick and easy loan application.
  • CashUSA loans are fantastic choices with those with poor credit score.
  • You have to be an American resident, with either citizenship or legality certification, aged 18 or above, and be making a particular income per month.
  • In addition, you must have an account with a bank (including Chime Bank), which is under your name and has existed for no less than 90 days.
  • does not cost you anything for giving its services, but individual loans’ conditions and prices depend on the specific lender.

  • can identify several potential sources of short-term loans suitable for you within minutes.
  • To be pre-approved you must earn at least a $1000/month.
  • There’s even an online calculator that may turn out to be helpful when calculating your repayments.
  • is a member of the Online Lenders Alliance.
  • OLA is a responsible business group advocating for fair credit practices conforming to law.

  • The network of lenders at consists of tribal and state lenders.
  • Tribal lenders are governed by federal and tribal rules rather than state legislation. Their rates and fees may be greater than those of lenders with a state license.
  • You must be of legal age and satisfy all the other prequalification requirements to qualify for a loan offer.
  • If bad doesn’t lend you money it might refer you through providers of credit repair, cash advance, lenders, and debt management companies.
  • Be careful when accepting offers because it is your right not to go for them.

  • The company has informed more than 33 million visitors (and counting) about important financial matters.
  • With, it is possible to fill in the loan application form only for several minutes and connect with the nearest direct lenders.
  • is capable of arranging loans in much faster and convenient times compared to banks and credit unions.
  • With a Chime account, almost all of the network lenders allow you to receive and repay it.


  • BillsHappen is an efficient online marketplace.
  • It can swiftly prequalify you for an online payday loan or personal loan.
  • Payday loans must be repaid in full on the date of your next paycheck, but personal loans enable you to make monthly payments.
  • The loan amount, payback period, and interest rate are all specified in each offer you get.
  • The majority of lenders can deposit your loan funds as soon as the following working day. 

  • Even if your credit score is less than stellar, works alongside a network of lenders who are willing to offer you an unsecured loan.
  • There won’t be any hidden fees.
  • You can quickly find an installment loan that allows you to make monthly payments directly to your lender.
  • Before deciding to borrow any money, you have the convenience of thoroughly reviewing your loan offer.

Cash Advance Apps That Work With Chime

There are financial payday loan apps that accept Chime and let you get hold of a considerable amount of money so you can pass the month comfortably.

Some of the apps are very similar to Chime in features. They help you access the cash faster! Let’s take a look at some of the best options you have here.


dave app

Dave lets you get funds through direct deposit or link an external bank like Chime to the app.

  • You can get up to $200 with direct deposit and $100 using a bank like Chime.
  • Dave helps you improve credit over time as well. 
  • The payday loan is FDIC-insured, providing security for your funds.
  • There is no interest on the amount that you borrow.
  • Dave does not run a credit check and, therefore, does not affect your credit score. 

You need to share the income details when applying for the loan. This would include deposit and transaction history as well. Before getting a cash advance, you should receive at least two direct deposits.

Once you finish the checklist, use the following guidelines to request an advance from the Dave app.

  1. Open the Dave app and click on the Profile Tab. 
  2. Choose Chime as Linked Bank. 
  3. Move to the Advance Tab.
  4. Click on Get Cash Now and enter the amount you wish to loan.
  5. Provide the necessary details such as payback date, type of transfer (Standard or Instant), and your account number.
  6. Tap on the Payment Authorization Box. 
  7. Click to Confirm the transaction.


Moneylion  app

Moneylion is an ideal loan app with no interest, no late penalty fee, no credit check, and many more perks.

  • Moneylion terms become more accessible and flexible with more extensive monthly direct deposits.
  • It also offers a Credit Builder Plus membership to qualify for loan boosts.
  • The feature can increase your cash advance to 30% of the recurring deposit up to a maximum of $1,000.
  • Moneylion follows a simple procedure for loan application.
  • Initially, you can loan up to $250 in advance with Moneylion.

You must have an active account of more than two months to qualify for the advance. It is better to update it with regular deposits to improve approval chances.

  1. Open the Moneylion app and tap on Add Account. 
  2. Provide Chime account details to link it with the app.
  3. Use the More Options column to access the loan.
  4. Enter the amount of money that you need.
  5. Confirm the transaction.

You might be interested in reading: Apps Like Moneylion.


Cleo  app

Cleo is a budgeting and financial app that lets you qualify for loans on easy terms.

  • You can borrow up to $20 to $100 cash advance with Cleo.
  • There is no interest in the amount of money that you borrow.
  • You can pay back the amount within a month.
  • Cleo charges an additional fee of $5.99 per month.
  • It has an autosave option that helps keep track of the transactions.

You can sign up with Cleo and link it to your Chime account before applying for a loan. Alternatively, you can connect it to a debit card of your choice.


Albert app

Besides a loan app, Albert is also famous as a banking and savings app used by millions of customers around the US.

  • The app allows you to loan up to $250 cash advance.
  • There is no interest in the amount that you lend.
  • You can also get the borrowed amount instantly, but you must pay $4.99 for the transfer.
  • The transfer is FREE if you choose the standard mode.
  • Albert’s app can easily be connected to Chime.

The only pre-requisite is that you must have a predictable pay schedule over the past 2 months and a current amount in the account of more than $0.

  1. Open the Albert app and click on Home Screen.
  2. Then tap on Instant. 
  3. Link it to Chime Bank and select an amount you want to borrow.
  4. Confirm the transaction.

Albert allows you to apply for up to 3 cash advances. The payment is then deducted automatically or manually on your next payday.


Varo  app

Varo may be an expensive option for payday loans as it carries up to a $5 fee for a maximum of $100 cash advance, but you can borrow money from Varo.

  • You can borrow up to $100 easily and quickly.
  • The fee is reduced depending on the amount that you loan.
  • There are no additional charges if you instantly get the deposit in your account.
  • The loan is accessible as long as your account amount is not harmful.
  • Varo also offers impeccable customer support service for your guidance.

Varo payday loan requires an active account at least a month old. You must deposit at least $1,000 direct transfer before loan application.

How To Connect Chime to Varo

  1. Open the Varo app and click on the Link an Account option.
  2. Choose Chime Bank and provide the account details.
  3. Enter the Submit option and follow the prompts to complete the procedure.
  4. Provide the amount of money that you wish to borrow.
  5. Confirm the transaction.

You might be interested in reading: Loans Like Lendup and Similar Cash Advance Service.

Are There Cash Advance Apps That Work With Chime?

Applicants often prefer cash advances over payday loans when looking for short-term cash options.

  • Luckily, there are cash advance apps that work with Chime. Using it, you can access a percentage of your credit limit anytime. 

Where payday loans typically avail you up to $1,000, the amount you can borrow with cash advance apps may vary.

Cash advance apps with Chime allow you to borrow $200 or more on easy terms. Moreover, they do not carry out a credit check, so you don’t have to worry about an inquiry ruining your credit score.

Extra Reading

What Are Payday Loans and How Do They Work?

Payday loans work by gathering your income and payday information and providing a small amount of money instantly. The funds are then deducted from your account on the next payday.

  • Payday loan apps can charge exceptionally high fees and interest rates. Watch out! 

This is an excellent way for users to access their earnings before the due date if a financial emergency can’t wait.

Payday Advance Loan That Accepts Chime – The Good and The Bad Side

More than half of US consumers agree that payday checks are often insufficient to fulfill some of their essential needs. Although these can cater to instant loan requirements, they come with strict payback terms and conditions.

  • Conversely, payday loans provide an affordable, convenient, and fast method to get cash advances. 

Moreover, these apps don’t run a credit check, and most charge only a substantial interest on the borrowed money.

However, it would help if you learned how to use these platforms wisely so you don’t end up in debt. This is because the amount is automatically deducted from your paycheck, leaving only a tiny amount in your bank account.

The Right Way To Use Payday Loan That Accepts Chime

We always recommend readers investigate an app use before signing up properly. It is better to be aware of the extra charges and cash withdrawal limits with Chime and have other important information.

  • Moreover, you should set a borrowing limit that is easy to pay back without breaking your pocket. 

Lastly, it would help if you were keen about reviewing your bank transactions when working with payday loans. This is important as it enables you to track any unnecessary fees that might have been deducted from your account.

Chime has yet to build connections; therefore, you might find several payday loan apps that do not work with it. In this regard, customers have been eager to know where Earning and Brigit stand. Also, check out payday loans that accept prepaid cards as an alternative.

Does Earnin Work With Chime?

Earnin is a payday loan app currently in the process of integration with Chime.

  • Earnin has recruited a small test group to check how Chime users employ this application. 

Does Brigit Work With Chime?

On the other hand, Brigit may not be a successful experiment after all.

This app faces connectivity issues with Chime, Netspend, Varo, and other platforms.

You might be interested in reading: Apps Like Brigit That Provide Payday Loans.

Online Payday Loans vs Cash Advance Apps

  • Operation

You may opt to apply at an online lending firm or a loan-searching agency that will look into your application and accept or reject it.

However, a cash advance app allows you to get loans by downloading and borrowing them directly.

  • Application Process

Apply for an Online Pay Day Loan by providing a comprehensive application and documented proof to the moneylender or lending group. The application procedure is brief, and approval might take some time.

In contrast, most instant Payday Apps come with simple steps to apply. The approval is always almost immediately, and one may receive amounts within minutes.

  • Repayment Terms

When repaying online payday loans, you usually have to do so on your next payday, while cash advance apps could provide more flexible repayment terms. However, the cash advance app sometimes lets you pay back in installments.

  • Costs

It is expensive because of the high-interest rates and fees for online payday loans. However, cash advance apps tend to have meager fees and interest rates.

The Bottom Line

Chime now works with various payday loans that accept Chime and cash advance applications. You can easily find the one that suits your needs for long-term use.

  • It would help if you always relied on cash advances and loans as the last option as they can incur debt and result in financial burden. 

Remember to check out the official websites of the apps that we have discussed above before you sign up!

Frequently Asked Questions

What are some payday loan that accepts Chime?

Some leading apps that work with Chime include Cleo, Moneylion, Branch, Dave, and others.

Can I get a payday loan with Chime? 

Yes. Chime users can apply for loans, and the platform offers cash advances to its customers. However, you must download a relevant payday loan app before using it. Only some lenders let you avail of the benefits with the online account.

Does the Chime cash card allow advance cash?

You can request a cash withdrawal via a Chime debit card by presenting the card to the teller. This over-the-counter withdrawal may cost you up to a $2.50 fee and has a limit of $500 withdrawal per day.