Cash Advance Apps that Work with Chime

Do you want to settle bills or emergency expenses without resorting to predatory online lenders? Besides Getting cash from cash advance apps that work with Chime, you can also get quick cash advance from our partner lenders at WeLoans.

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Kiplangat BettFinancial Writer

Jul 27.2022. Filed under: Cash Advance Hub

What Is Chime?

Chime is a financial technology company that provides mobile banking services free of charge. It lets you open fee-free savings and checking accounts with access to the online banking system through its mobile apps or the company’s website. Chime’s banking products are provided through Stride Bank or The Bancorp Bank.

Chime does not overload you with options. Instead, the company keeps it simple, offering one checking account with a Chime Visa Debit card. The second offering is a savings account with a secured Credit Builder credit card to build credit. All of these are tied together into an intuitive mobile app.

One of the nicest features on Chime is SpotMe, an advanced program that covers part or all of your debit card purchases, depending on your limit. This feature is available to Chime users who have received direct deposits of at least $500 within the last 31 days.

SpotMe limit is usually between $20 to $200. However, you cannot transfer or withdraw the money in cash. Chime will deduct your overdraft from your next direct deposit without any additional fees.

How Do Cash Advance Apps Work?

Cash advance apps give you timely access to money you’ve earned but have yet to receive. That is, they provide a cash advance against a direct deposit or an upcoming paycheck. These apps are ideal for borrowers who need urgent cash to settle bills and may otherwise have late or overdraft fees.

Once you deposit your paycheck into your bank account, the apps automatically deduct the amount advanced when it’s due. Most cash advance apps do not charge interest or other fees on loans, making them good alternatives to payday loans. However, they often have borrowing limits of $100 to $300.

6 Cash Advance Apps that Work with Chime

Chime is not a cash advance app, so technically you can't get a cash advance from it. Although the SpotMe program allows you to spend more than you have in your Chime account, the limit is usually very small.

Suppose you have a Chime account and you need a cash advance. In that case, some low-cost cash advance apps work with Chime. These apps have exciting features that make them useful for your needs. They also charge little to no fee, further making them suitable. Let’s look at some of the top cash advance apps that work with Chime.

Albert

Albert is a free app that can give a cash advance of $100 to $250, based on your income. This app also has a premium service — Albert Genius, which comes at $3.99 per month. The extra features with Genius are financial advice and tips from experts, a micro-investment account, and a 1% savings reward.

Follow these steps to add Chime to Albert:

    • Go to the “Budget” tab.
    • Tap the “+” icon at the top.
    • Search for "Chime" and select it.
    • Enter your Chime account credentials on the screen that follows.

Cleo

The Cleo cash advance app offers you a fee-free loan to assist you until payday. This money management app is linked to your bank account, helping you analyze your deposits and spending patterns. As a long-term user of Cleo, you can borrow money based on your balances and spending habits.

Most of the features on Cleo are free. However, the cash advance loan comes with the Cleo+ package, and it costs $5.99 per month. The loan amount ranges from $20 to $100, and you have to pay a $3.99 express fee if you want same-day funding. Cleo allows you a new cash advance 24 hours after payoff.

Connect Cleo with Chime by:

    • Go to the bar at the top of the Cleop app.
    • Search for Chime and select it.
    • Provide your login details.

Dave

Another popular loan app that works with Chime is Dave. This app offers interest-free cash advances for a monthly fee of $1. When you connect it to your Chime account, it gives a payday advance of up to $100. Turnaround time is usually the same day to three business days, but if you want same-day funding, you will have to pay fees of up to $5.99.

The advance amount will depend on your anticipated income, deposit history, and transactions over the next two months. You must also have two qualified direct deposits and no negative balances on your account. The following steps will help you link Dave with Chime:

    • Go to the Profile Tab of Dave.
    • Select “Linked Banks and Card”.
    • Tap on “Change” present next Linked Banks.
    • Select Chime and continue.

Empower

Empower also works with Chime. Users who set up Empower checking accounts can easily apply for interest-free cash advances up to $250. Your current bank account must be healthy for eligibility.

You must also have recurring deposits from your employer that are higher than $500, at least two deposits of $100 within the past two months. More importantly, you need to pay an $8 monthly subscription fee to get one-hour funding for your Chime account.

Follow these steps to link your Chime to Empower:

    • Go to the Homepage of your Empower app.
    • Scroll to the “Accounts” section.
    • Click the “+” icon in the upper right corner.
    • Select Chime and continue.

MoneyLion

This mobile banking platform lets you get cash advances of up to $250, depending on the size of your direct deposit. Although the loan amount is between $25 to $250, you can unlock a $300 limit by opening a RoarMoney account or joining Credit Builder Plus.

The great thing is that you can get up to a $1000 advance by signing up for other products offered by MoneyLion. Fees range from $1.99 to $7.99 for same-day funding. Eligibility requirements include at least a two-month established checking account, a positive checking balance, and regular income deposits.

To connect your Chime account to MoneyLion:

    • Go to the “Transfers” section of MoneyLion.
    • Click on the “Add Account” link.
    • Search for Chime and enter your details.

Varo

Like MoneyLion, Varo is a complete online financial platform. This cash advance app can give you up to a $100 advance if your account is at least 30 days old and active. You must have also received direct deposits of at least $1000 within the last 31 days.

Varo gives you between 15 and 30 days to repay the loan. It also offers a variety of products, such as a high-yield savings account that pays up to 3% interest. To use Chime with Varo:

    • Go to “Accounts” on your Varo app.
    • Select “Link an Account”.
    • Search for Chime and choose it.
    • Enter your Chime account details to log in.

Alternatives to Cash Advance Apps that Work with Chime

Cash advance apps offer you the best options for small loans before payday. However, many of them offer maximum loans of only about $250. If loan apps that work with Chime are too restrictive for you, you may consider the following alternatives:

Payday Loans

A payday loan is a short-term cash advance loan that you will repay whenever you get your next paycheck. This loan is a convenient solution to financial emergencies, cash shortfalls, and unexpected expenses.

You can access a long list of trusted lenders and receive instant funding by submitting your information to WeLoans. Unlike Chime cash advance, payday loans come with interest rates and other fees.

The Best Place to Take out a Loan

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Credit Card Cash Advance

If you need quick money for your expenses, you can also consider withdrawing some money from your credit card. In this case, your borrowing limit may be higher than with cash advance apps. You will also pay a transaction fee if you withdraw from your credit card.

To get a credit card cash advance, you must have a proven source of consistent income and a good credit score. You may sometimes need to visit the bank to complete some paperwork before getting the money. You should try to pay off the full debt before your next bill is due to avoid interest charges.

Government Programs

The government can also be an appealing source of financing. The federal government offers loans with borrower-friendly features. Qualification for these loans is relatively easy and the rates will be lower than with private lenders.

Government hardship grants are also available to help low-income families settle bills and meet financial emergencies. Likewise, there are several government programs to assist you with food, rent, healthcare, and utilities whenever money’s tight. However, finding out about these programs may be challenging.

Get Cash Advances Through WeLoans Today!

Do you have an emergency expense coming up without the funds to settle it? Don’t settle for undesirable loan offers. Request a cash advance loan from WeLoans today, and let us link you with reliable lenders.

Apply now