Payday Loan Apps that Work with Chime

9 Payday Loan Apps that Work with Chime Plus No Credit Checks (2022)

⚡ To get a payday loan app that works with Chime, you need to have a Chime account and sign up for an account with one of the cash advance apps from the verified working loan apps list. You are not required to do a credit check with these apps.

You need money now, but you don’t want to go through the hassle of getting a loan from a bank. 

Traditional lenders like banks can be slow, bureaucratic, and inflexible. Applying for a loan can be a long and frustrating process.

Cash advance apps that work with Chime are the perfect solution with no credit check. These apps allow you to get the money you need quickly and easily without going through a bank. Plus, our list of verified cash advance apps is updated regularly, so you can be sure that you’re getting the most up-to-date information.

How Do Cash Advance Apps Work?

Cash advance apps are a new type of mobile app that allows you to get cash from your phone without going through a bank or other financial institution.

With a cash advance app, you can download the app, enter your personal information, and then receive an immediate decision on whether or not you are approved for a cash advance.

The app will deposit the money into your bank account within minutes if you are approved. This makes it an excellent option for people who need access to cash quickly and don’t have time to go through the traditional loan process.

Cash advance apps can be used for any purpose, such as paying bills, debit card purchases, covering unexpected expenses, or taking care of other short-term financial needs. You must return the loan in the pay period.

Payday lenders usually require that borrowers write a check to the payday lender or provide account information for electronic payment.

Verified List of Cash Advance Apps that Work with Chime

These apps do not require a credit check and have instant approval to make getting your money super quick and easy.

  • Cleo
  • MoneyLion
  • Earnin – Work for some users
  • Dave
  • Varo
  • Empower
  • Albert
  • Chime SpotMe


  • The advance of $20-$100
  • There is no interest.
  • Payback can be made at any time between 3 and 28 days.
  • Monthly fee of $5.99
  • Budgeting & Autosave

Cleo is one of the few cash advance apps compatible with Chime. Sign up for Cleo Plus Service and link your Chime bank account or debit card to get the cash advance.

Cleo supports over 3000 US banks/providers, with Chime bank account being one of the top ten.

Cleo is an AI-powered chatbot app that functions similarly to a money management app, allowing you to link a bank account and analyze your deposits and spending habits.

Cleo also allows you to borrow interest-free funds (Salary advance) up to $100 for up to 28 days if you’ve been using it for a while. You must subscribe to the Cleo Plus service based on your spending habits and fund balance to do so.


  • Cash advance of up to $250
  • There is no interest.
  • There are no late fees.
  • There is no credit check.
  • Payday arrives early.
  • A great deal more

Money Lion is a well-known cash advance app that works with Chime. MoneyLion is known to be a fan of Chime. To link a Chime Account in MoneyLion, navigate to the “Finances” tab at the bottom of the MoneyLion home screen and then click “Link an account.” Chime bank can be found by selecting it from the list of options or using the search bar.

There are a few things to keep in mind in general when connecting your Chime Bank Account to MoneyLion to be eligible under their terms.

  • The bank account has been open for at least two months and receives regular income/paycheck deposits.
  • It has a favourable balance.

MoneyLion is a membership-based service that allows you to get up to $250 in instances (no interest) ahead of payday. It also offers short-term loans.


Earnin is another popular cash advance app that can be used with Chime. According to the Earnin website, the service is currently being tested with a small group of Chime users. Earnin is improving its service to provide full-fledged support to Chime users.

Determining the pay schedule for Chime users is complicated, as they can receive their paycheck up to two days earlier.

As a result, using Earnin with Chime is a bit of a trial and error process. You can try linking your Chime Bank Account in Earnin App by going to Earnin App Settings -> “My Bank.” Look for Chime Bank and enter your Chime Bank information. Check to see if you received the confirmation to see if you are one of the lucky Chime users that Earnin supports.

If Earnin confirms that your Chime Account has been successfully linked, make sure to enable the “Allow Transactions” option in your Chime Account settings. Earnin will now be able to send “Cash Outs” to your Chime account and auto-debit your account on payday.

You can refer to their website page for step-by-step instructions.

Earnin does not charge interest or payments, but it does request a tip when you use it to advance money from your paycheck.


  • A $200 advance is available with the setup of a direct deposit.
  • With a linked bank account, you can get a $100 advance.
  • Credit enhancer
  • Chime is linked to
  • Payday arrives early.
  • There is no interest.
  • There is no credit check.
  • The FDIC insures

Dave is a cash advance app that allows users to connect their Chime Accounts. There appear to be no issues for users who bank with Chime with Dave. Dave typically offers cash advances to cover minor expenses (up to $75). It operates on voluntary tips and has a $1 monthly subscription fee.

RELATED  Cash Advance Apps that Work with Cash App (2022 Verified List)

How to Request an Advance (Step-by-Step)

Here’s how it works:

  • Navigate to the ‘Advanced’ tab.
  • Select ‘Get cash now.’
  • Choose the amount to advance.
  • Confirm the date of your auto-payback.
  • Check the following boxes on the Confirm Advance screen:
  • Amount of the advance
  • Tip amount Choose a delivery method
  • Standard – Free – Delivery in 3 business days
  • Instant – Low Cost – Arrives in seconds to 8 hours
  • Last four digits of a debit card or account
  • The total amount as well as the due date
  • To agree to the payment authorization, check the box.
  • To confirm, move the slider.

How do you connect Chime with Dave?

  • Navigate to the Profile tab.
  • Select Linked Banks and Cards
  • Change the setting next to Linked Banks.
  • Change the bank and then click Continue.


  • Up to $100 in cash advance
  • For every $100, there is a $5 fee.

Varo is at the bottom of this list because they charge a fee of up to $5 for taking out their maximum cash advance of $100. The fee is $4 for a $75 cash advance, $3 for a $50 cash advance, and there are no fees for a $20 cash advance. However, unlike other fintech, they do not charge a fee to transfer it to your account immediately.

Varo’s cash advance is available to you if you meet the following criteria:

  • Your Varo Bank Account is operational.
  • Your Varo Bank Account and Savings Account are not in the red.
  • Your Varo Bank Account has been open for at least 30 days.
  • You must have made at least $1,000 in qualifying direct deposits to your Varo Bank Account, Savings Account, or both in the last 31 calendar days.

How do you connect Chime with Varo?

To link Chime to your Varo account, do the following:

  • Select “Link an Account +” from the drop-down menu.
  • If you don’t see an icon for Chime, search for it.
  • When you select your bank, choose the one with the web address where you would normally log in online.
  • Enter your user ID and password, then click “Submit.”
  • Chime’s prompts should be followed.
  • Continue responding to Varo prompts until your external accounts and balances appear on the Accounts page.


  • A payday loan of up to $250
  • There is no interest.
  • There are no late fees.
  • Does not affect credit score
  • Payday arrives early.
  • Cashback of up to 10%

Empower App is another app that works with Chime. You can link your Chime Bank account by going to the Empower app’s home page, scrolling to the Accounts section, and tapping on the +icon to add Chime using your online banking information.

It allows eligible members (who must have a checking account) to receive an interest-free advance of up to $250. For Empower to qualify, you must have a healthy current account balance, recurring deposits from your employer, and a balanced history. It also has an $8 monthly subscription fee.

How do you connect Chime with Empower?

Go to your app’s Home page, scroll down to the Accounts section, and click the + icon in the upper right. Empower makes use of Plaid to connect external accounts to Empower.


  • Payday loans of up to $250
  • There is no interest.
  • Payday arrives early.
  • Investing
  • Budgeting \sSaving

Albert is another cash advance app that works well with Chime. You can link your Chime Account to Albert to receive a cash advance against your next paycheck.

Alber provides advances ranging from $100 to $250, depending on your income. Albert, once again, does not charge interest or late fees. Albert, like other apps, operates on a subscription model, with a monthly fee of $3.99. In addition, if you want to advance immediately, you must pay a $4.99 delivery fee.

How do you connect Chime with Albert?

  • Go to the Budget tab.
  • Tap the + button at the top of the screen.
  • If Chime isn’t listed, try searching for it by name.
  • On the following screen, enter Chime’s account credentials.

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

Chime SpotMe

You can use Chime’s product, Chime SpotMe, which allows you to have an overdraft of up to $200 (starts at $20) with no fees. You must have a direct deposit of $500 or more to be eligible. The limit is determined by the history and activity of your account.

With this service, any Chime debit card purchase that exceeds your balance can be funded up to your overdraft limit. As a result, it is only permitted to make purchases with your Chime Debit Card and not withdraw cash or transfer funds to another person. You can see if you are eligible for Chime SpotMe by going to the Settings Tab (make sure you have the most recent version of their app).

Chime Spot Me allows you to send Spot Me Boosts to other chime users in exchange for a $5 temporary increase in their Chime Spot Me Limit. Probably something to think about for Christmas.

In Closing: Loans Apps that Work with Chime

Before you sign up for some of these quick payday advance apps, ensure that your bank will work with them. Chime Bank is where all of us are accepting new applications. However, it is up to the bank which one they want to accept you into their institution.

If any of these apps are not available in your state yet, there are other cash advance apps as well. We hope this article fulfills its goal – to help you find out which online payday advance app work with Chime.

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