Cash Advance apps that work with Chime [Complete List]

Cash advance apps allow you to access funds (usually at reasonable charges) to cover for short term requirements. If you are a Chime user and looking for cash advance apps that support Chime, this post will help you get the complete list. Do the popular apps like Brigit, Cleo, Earnin, Klover, Dave etc. accept Chime? Read this post to find out the complete details of all cash advance apps that work with chime (also called sometimes as Payday Loans apps)

Cash Advance apps come in handy, if you are in urgent need of funds to pay for expenses like rent, gas, groceries etc. They allow you to borrow funds in advance before your payday to cover the cash requirements outside the normal pay cycle. However, some apps may even provide loan funds without linking to payday. They offer a much cheaper option than payday loans and overdrafts where the interest rates can be exorbitant.

Some of the popular cash advance apps include Brigit, Cleo, Albert, Earnin, MoneyLion, Dave, Klover etc. However, not all cash advance apps are supported by Chime. 

Let’s see the different cash advance apps and if they are compatible with Chime.

Here you may also know that Chime has its own overdraft product –Chime Spot Me, which also allows you to spot yourself cash up to a limit, if you are an eligible user.

Based on current available information, below is a list of cash advance apps and if they support Chime. This list may change from time to time.

Cash Advance Apps that work with Chime [List]

Cash Advance AppWorks with ChimeRemarks
BrigitNoCan work for some old users
EarninYes (for some users)Works for selected users on test basis
BranchYes (for some users)If you have set up direct deposit with Branch Wallet
KloverYesSome users face issues
EmpowerYesSome users face issues
Chime SpotMeYes

Cash advance apps like Cleo, MoneyLion, Branch, Dave, Albert etc. all work well with Chime. While for Brigit and Earnin, it works only for limited set of Chime users.

Let’s see this in more detail- what are the technicalities involved with each of the cash advance apps, the level of support for Chime and any issues that you may face.

Brigit -Does it work with Chime?

Brigit is one of the popular cash advance apps, having more than 1.5 million users. Brigit does NOT work with Chime at this moment. As per the Brigit website support section providing information on the supported banks, Brigit is no longer supporting new users who have a Chime bank account, citing connectivity issues.

This means that Brigit had worked with Chime in the past (and may still work for some old users) but is no longer able to support the services now. So it is a bit of hit and miss to use Brigit with Chime.

Cleo- Does it work with Chime?

Cleo is one of the few cash advance apps that works with Chime. You can subscribe to Cleo Plus Service and link your Chime bank account or debit card to get the cash advance.

Overall, Cleo supports more than 3000 US banks/providers and lists Chime bank account as one of top 10 banks that they support.

Cleo is an AI powered chatbot app that works like a money management app which allows you to link a bank account, analyze your deposits and spending pattern.

If you have used it for some time, Cleo also allows you to borrow interest free funds (Salary advance) up to $100 for up to 28 days. For this, you have to subscribe to Cleo Plus service based on your spending habits and fund balance

MoneyLion – Does it work with Chime

Money Lion is one of the popular cash advance apps that works with Chime. MoneyLion is known to support Chime. To link Chime Account in MoneyLion, go to “Finances” tab at the bottom of the MoneyLion home screen and then select “Link an account.” Select Chime bank from the list of options or use the search bar to find.

There are few things you should note in general while connecting Chime Bank Account to MoneyLion, to be eligible as per their terms.

  • Bank account has been active for at least two months and has regular deposits of income/paychecks
  • It has a positive balance

MoneyLion is a membership based service which offers you the instacash option (without interest) of upto to $250 ahead of payday. It also provides short term loans.

Earnin-Does it work with Chime?

Earnin is another popular cash advance app that can work with Chime. As per Earnin website, it is offering service to selected Chime users on a test basis. Earnin is working on improving their service to offer full-fledged support to Chime users.

Apparently, there are complications in determining the pay schedule for Chime users, as they can receive their paycheck upto 2 days earlier.

So using Earnin with Chime is a bit of trial and error. You can try linking your Chime Bank Account in Earnin App by going to Earnin App Settings Option -> then “My Bank” option. Search for Chime Bank and add your Chime bank details. See if you get the confirmation to know if you are one of the lucky Chime users which Earnin supports.

If you get a confirmation from Earnin that your Chime Account is succesfully linked, make sure to turn on “Allow Transactions” option in your Chime Account settings. This gives Earnin the permission to send “Cash Outs” to your Chime account and auto-debit your account on payday.

You can refer to their website page which gives the step by step details.

Earnin doesn’t charge any interest and charges on paying, but it does ask for a tip when you opt to it to advance money on your paycheck.

Also Read: Bank of America Overdraft Guide [Things you should know]

Branch-Does it work with Chime

Another popular app which offers advance against your paycheck is the Branch app. While Branch can work for Chime users, there is a catch. As per the Branch Support Page, if  you bank with Chime, you  will be required to put your direct deposit in your Branch Wallet to to qualify for an advance. 
The amount of advance you can get on Branch depends on the number of hours you have worked and the wages (usually capped at $500 per pay period). While there are no interest or charges involved here, there is a tip that you can pay. But, if you want to access funds instantly, it does charge fees of $3.99.

Dave- Does it work with Chime

Dave is one of the cash advance apps that allows users to link their Chime Account. It seems there are no issues for users banking with Chime with Dave. Dave usually provides cash advances to cover small expenses (upto $75). It works on voluntary tips but also charges a monthly subscription fee of $1.

Albert- Does it work with Chime

Albert is another one of the cash advance apps that works fine with Chime. You can connect your Chime Account with Albert and can get cash advance against your next paycheck.

Alber offers advance raning from $100 upto a maximum of $250, depending upon your income. Again there is no interest or late fees charged by Albert. However, like other apps, Albert works on a subscription model with a fee of $3.99 per month. Also, if you want to advance instantly, you need to pay a $4.99 delivery fee.

Klover-Does it work with Chime

The Klover app is another paycheck advance app that is compatible with Chime. While Klover does not charge you interest, charges or checks your credit score. Instead, it earns money through advertising by serving you custom ads based on your profile. The amount of advance you can get varies from $100 to $500. You need to at least 3 direct deposits to qualify for paycheck advance.

Empower-Does it work with Chime

Another app that works with Chime is Empower App. You can link your Chime Bank account by going to the home page of Empower app, scroll to Accounts Section and tap on +icon to add Chime using your online banking details.

It allows eligible members (Requires setting up checking account) to get interest-free advance of upto $250. There are some criteria to be eligible like a healthy current account balance,  recurring deposits from employer and balance history for Empower to qualify. It also charges a monthly subscription of $8.

Chime SpotMe

You can use Chime’s own product- Chime SpotMe which allows you an overdraft of upto $200 (Starts from $20) without any fees. To qualify, you need to have a direct deposit of $500 or more. The limit is set based on your account history and activity.

With this service, any purchase using Chime debit card exceeding your balance can be funded up to your  overdraft limit. So it is allowed only for purchases on your Chime Debit Card and not for withdrawing cash or transferring funds to someone.  You can enroll into Chime SpotMe by going to the Settings Tab (make sure you have the latest version of their app) and see if you are eligible.

In fact, Chime Spot Me allows you to even send Spot Me Boosts to other chime users who can get a temporary increase in their Chime Spot Me Limit by $5 per boost. Probably, a thing to consider for Christmas.

Also Read: Buy Now Pay Later that accepts Chime [Complete Guide]

Are Cash Advance Apps worth it?

While Cash advance apps do turn out to be a cheaper option as compared to exorbitant charges that come with Payday Loans and overdrafts,  you should be cautious to avoid overusing it. Don’t depend on this for your funds, as they also lead to debt trap in a way. 

If you see yourself using them more than 2 to 3 times, it’s probably time to look at how you manage your money overall. You can look at ways to develop some side income as a long term solution- to take care of your urgent expenses that may come outside of your pay cycle.

Hope this post was helpful in knowing the Cash advance apps supporting Chime.

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