6 Payday Loans Apps that Accept Chime (How to Get)

payday loans that accept chime

Although Chime offers a cash advance of up to $200, it really starts out with only a $20 advance or overdraft. Until you’ve built up your Chime account history to get more cash, what are other payday loans and cash advance apps that work with Chime?

The following financial apps can be connected to Chime and they offer advance that you can transfer to Chime. But to get it, sometimes you have to have a direct deposit coming in. 

  • Dave
  • Cleo
  • Albert
  • Empower
  • MoneyLion
  • Varo

The good news is, that cash advance and payday loans apps offer more than just that and in fact, some of them are similar to Chime with features that they offer. But mostly, they’re a simpler version. 

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payday loan apps that accept chime


  • $200 advance with a direct deposit set up
  • $100 advance with a linked bank account
  • Credit builder
  • Connects to Chime
  • Early payday
  • No interest
  • No credit check
  • FDIC insured

To get a cash advance from Dave, you either have to set up a direct deposit to get up to $200 or link an external bank account like Chime to get up to a $100 advance. The size of the advance will also depend on:

  • Your anticipated income
  • History of your deposits and transactions (at least 60 days)
  • If you’ve paid back previous advances on time
  • How much money you generally keep in your account
  • If you’ve recently had a negative balance in your account

You’ll also want to make sure you have received at least two qualifying direct deposits in order to request an advance.

Step-by-step on how to request an advance

Here’s the breakdown:

  1. Go to the ‘Advances’ tab
  2. Tap ‘Get cash now’
  3. Select the amount to advance
  4. Confirm your auto-payback date
  5. On the Confirm Advance screen, be sure to check the following:
    1. Advance amount
    2. Tip amount
    3. Select a delivery option
      1. Standard – Free – 3 business days
      2. Instant – Small Fee – Arrives in seconds up to 8 hours
    4. Last 4 numbers of debit card or account
    5. The total amount and the due date
  6. Check the box to agree to the payment authorization
  7. Slide to confirm

How to connect Chime to Dave?

  1. Go to the Profile tab
  2. Choose Linked Banks and Card
  3. Tap Change next to Linked Banks
  4. Select Change bank and Continue through


  • $20-$100 advance
  • No interest
  • Pay back anytime between 3 and 28 days
  • $5.99 per month
  • Budgeting
  • Autosave

Cleo is a saving and budgeting financial app that can also spot you up to $100 if you qualify. It also connects seamlessly to your Chime account. 

To qualify for an advance, you have to sign up for Cleo Plus ($5.99/m), set up your Cleo wallet, and connect a debit card. You can get between $20 and $100 in your account. 

To get it that same day, you’ll have to shell out $3.99, or you can get it for free in up to four days. You also have to pay your advance back in total before you take out a new one. And you can repay anytime between 3 and 28 days.

How to qualify for Cleo advance?

The app looks at your spending habits, cash withdrawals, missed payments, and other good and bad spending habits. All of this will affect if you can get the advance and how much. 

Say “Salary Advance” or “spot me” to Cleo in messenger, then hit the button that says ‘Spot me 🚀’, and you’ll know if you qualify for an advance. If you don’t qualify, Cleo will coach you towards qualifying.

Cleo supports all the major US and UK banks, and Chime is one of them.


  • Up to $250 cash advance
  • No interest
  • Early payday
  • Investing
  • Budgeting
  • Saving

Albert is also a banking, investing, and saving app that connects to Chime and can net you a $250 cash advance. 

Like other cash advance apps, you can get your cash instantly, but you have to pay for it ($4.99). Or you can get the money within three business days for free. 

To qualify for Albert advance, you need to have:

  • a job and receive verifiable income via direct deposit
  • an income that’s consistent over the past two months and arrives on a predictable pay schedule (once monthly, bi-weekly, weekly, etc.)
  • a current bank account balance that’s above $0

To ask for the advance, go to the app’s home screen and tap “Instant.” Follow the prompts to set up your account. Once you’ve been approved to advance cash, you can select an amount and delivery method.

As long as you have a paycheck and have repaid your past advances, you can request up to 3 cash advances per pay period.

You can repay the advance manually, or it will be done automatically on your next payday. 

How to connect Chime to Albert?

To connect the two:

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  1. Navigate to the Budget tab
  2. Tap + at the top of the screen 
  3. Select Chime, or search for it by name if it’s not listed
  4. Enter Chime’s account credentials on the following screen

If you can’t find Chime there, you can add it manually as well.


  • Up to $250 cash advance
  • No interest
  • No late fees
  • Doesn’t affect credit score
  • Early payday
  • Up to 10% cashback

Empower offers four tiers of cash advances. From $25 to $250 cash advance. Let’s break down what the qualifications are for each of the four tiers.

Base offer ($25)

  • Average monthly take home income $500+
  • 2 deposits of at least $100 in each of last three months
  • Maintain over $100 balance for 10 days
  • Current account balance must be “healthy”

Recurring paycheck ($50)

  • Cash Advance account must have been active for at least 60 days
  • Account must average at least 2 transactions per day
  • Current account balance must be “healthy”
  • Must have three recent, recurring deposits of $200 or more from same employer
  • Average monthly take home income must be $500+
  • Maintain an account balance of at least $50 up to two days after pay date

Paycheck at Empower ($100)

  • Direct deposit of paycheck of at least $200 in the last 14 days or at least $500 in the last 30 days into your Empower account

Repayment history ($250)

  • At least 3 Cash Advances accepted & repaid through Empower Card over three pay cycles
  • Must have three recent, recurring deposits of $200+ from same employer

You can check to see whether or not you’re qualified when you tap on “Check eligibility now.” Each item under “Qualifications” shows whether you are qualified for that offer or not.

How to connect Chime to Empower?

Go to the Home page of your app and scroll down to the Accounts section and click on the + icon on the upper right. Empower uses Plaid to link external accounts to Empower.


  • Up to $250 cash advance
  • No interest
  • No late fees
  • No credit check
  • Early payday
  • Much much more

MoneyLion’s cash advance is typically up to 15% of your anticipated recurring direct deposit amount, $250. If they can’t detect any recurring income, you’ll have access to a lower amount, with a minimum of $25.  

You can unlock higher amounts by setting up direct deposits into a RoarMoneySM account, by signing up for a Credit Builder Plus membership, or by completing certain tasks in your MoneyLion App to qualify for Boosts. In this case, your cash advance will be up to 30% of your recurring deposit or up to a maximum of $1,000.

To request Instacash advances, tap Accounts on the Home screen of the MoneyLion App. You’ll find out in seconds if you qualify and how much you can get.

To qualify for cash advance, your checking account must meet the following needs: 

  • An account has to be open for at least two months
  • The account has your regular deposits of income/paychecks 
  • It has a positive balance
  • It’s active

Alternatively, you can also qualify for Instacash advances by opening a RoarMoneySM account.

To link your Chime account to MoneyLion, click “Add account” on Transfers screen.  You can also link an account using the More Options menu from the Finances tab.


varo money
  • Cash advance up to $100
  • $5 fee for $100 CA

Varo is at the bottom of this list because they charge up to $5 fee for taking out their max $100 cash advance. If you take out $75, the fee is $4, for $50, it’s $3, and $20 cash advance incurs no fees. But, they don’t charge a fee to get it instantly to your account like other fintechs do. 

You’ll qualify for Varo’s cash advance if:

  • Your Varo Bank Account is active
  • Your Varo Bank Account and/or Savings Account isn’t negative
  • Your Varo Bank Account is at least 30 days old
  • You’ll need at least $1,000 in total qualifying direct deposits to either your Varo Bank Account or Savings Account, or both combined, within the last 31 calendar days

How to connect Chime to Varo?

To connect Chime to Varo account, do the following:

  • Tap “Link an Account +”
  • Select Chime or search for it if you don’t see an icon
  • If you see options when you select your bank, pick the one with the web address where you would normally log in online
  • Enter your user ID and password and tap “Submit”
  • Follow any prompts from Chime
  • Continue responding to prompts from Varo until you see your external accounts and balances show up on the Accounts

Does Earnin work with Chime?


Earnin is testing new ways to support our Chime users. Currently, this means Earnin is only allowing a small test group of Chime users to use Earnin.

Does Brigit work with Chime?

Unfortunately, Brigit doesn’t work with Chime, Capital One, Net Spend, and Varo due to issues with maintaining connectivity. 

The bottom line

There are good cash advance and payday loans apps on the market that accept Chime and can be easily connected to it. We found Dave, Varo, Albert, Cleo, Empower, and MoneyLion to work best in conjunction to Chime. 

Of course, the best would be if you didn’t have to rely on cash advances to make it through the week or month, but that’s a story for another time. 

For all the best digital banks on the US market, check out our overview

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As a Current mobile banking app affiliate, I get a commission at no cost to you if you decide to sign up through my links.

The Future of Banking

As a Current mobile banking app affiliate, I get a commission at no cost to you if you decide to sign up through my links.