Payday Loans That Accept Chime Accounts

Payday Loans That Accept Chime Accounts
  • LOANS UP TO $ 5000
  • FAST AND DISCREET LOANS That Accept Chime Bank
Last Updated 09.04.2024
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Each of us may face financial difficulties at some point in life. Here comes the time to borrow money. What options do you have? The first thing that comes to mind is to contact the nearest bank. But the credit policy of each banking establishment is different. They often charge quite high interest rates and can check your credit history for a long time to decide whether to give you a loan or not. However, there is an alternative and more innovative solution to get some extra cash – instant payday loans that accept Chime. And today, we will discuss the best apps to get cash advance or a payday loan with Chime bank.

What is Chime?

Chime is a popular American financial tech company that partners with The Stride Bank and The Bancorp Bank to provide high-quality banking services to its clients. The company was launched in 2013 as a modern alternative to physical banking establishments. Moreover, Chime is a neobank, also called a challenger bank. Neobanks are companies that offer financial services online and act as an alternative to traditional banks. They are distinguished by the following characteristics:

  • Mobile service
  • User-friendly interface
  • Low commissions
  • Absence of physical branches

Although Chime is not a bank, the company provides FDIC insurance for all client accounts. This suggests that the service is as safe and reliable as a traditional bank. As a Chime account holder, you receive a Visa credit or debit card and can conduct monetary transactions in the mobile application or on the official website of the company.

The main advantage of the Chime Spending Account is the complete absence of monthly fees. In addition, the service does not require a minimum balance. Thanks to the early wage access feature, you can receive your paycheck up to 2 days earlier, i.e., as soon as your employer deposits the money. What’s more, Chime’s SpotMe service provides a free overdraft facility. For example, if you do not have enough money to make a purchase, Chime gives you up to $200 to overdraw your account. The amount depends on the frequency of deposits, your credit history, and some other factors.

On top of all that, Chime offers a Savings Account with 0.50% APY. But only clients with an active Spending Account can open it. Thus, you can accumulate money faster by earning interest on every deposit or purchase you make. How does it work? Everything is simple. The program rounds up your transaction amount to the nearest dollar and sends the difference to your Savings Account. In the case of deposit money, you get 10% of the paycheck every time you replenish your account for more than $500.

It’s no wonder Chime is so popular in the US. Just look at the statistical data.

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What are Payday Loans that Accept Chime Bank?

A payday loan is a great option if you need quick cash, but the payday is still a long way off. Thus, you can get a loan right now, but you must give the money back on the next payday. Otherwise, this will adversely affect your credit history. Chime itself does not provide all types of loans as it is not a traditional bank. However, the company acts as an intermediary between its clients and other financial apps that can still offer you a cash advance and different types of credits. At the same time, loan apps that use Chime bank offer various conditions for money lending. They include:

  • Maximum loan amount
  • Interest rates charged on loans
  • Repayment terms
  • Additional benefits, such as interest rates discounts

To decide whether to give you a loan or not, lenders may consider your:

  • Credit and account history
  • Paycheck level and stability
  • The presence of other debts
  • Average monthly deposit
  • County of residence

If all these factors are fine, you will get a loan easily and quickly.

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5 Loan Apps that Use Chime Bank

The number of payday loan applications is constantly growing due to the high demand among US residents. However, not all of them work with Chime. Therefore, we researched the online finance market and chose the top 5 payday loans that accept Chime bank. Moreover, all these apps work on both Android and iOS, so feel free to download them to your device.


Dave is a great app for getting small loans. You need to pay for a membership to use the service, but its price is purely symbolic – $1 per month. To get approved and become eligible for loans, you are required to provide information on your bank account to prove that you have a regular deposit paycheck. The approval process is not strict; they do not even perform a credit check.

The Dave app can offer you advances and loans up to $250. The allowable amount is determined based on an analysis of your income and expenses. One of the coolest benefits of Dave is that the app does not charge you any fees or interest. However, you can still pay a small tip if you like its services. The money is then sent to the Feeding America organization.


  • Cheap membership
  • 10 million users
  • No fees and interest
  • Simple eligibility conditions


  • Not suitable for large loans


MoneyLion allows you to get both small and large loans without interest, fees, and credit checks. To start using the app, you need to link your bank account. MoneyLion will analyze it to determine if you meet all the conditions for obtaining a loan. So, you can borrow money if:

  • Your account has been active and has existed for more than 2 months
  • Your deposits are regular
  • Your balance is positive

Getting a payday loan is possible using the Instacash feature. You can pay a fee to get money faster. Otherwise, you may have to wait a couple of days for the money to be credited to your account. The typical maximum loan amount is $250. But MoneyLion allows you to increase it by paying for the Credit Builder Plus membership, which costs $19.99 per month. Thus, you will be eligible for loans up to $1 000.


  • Up to $1 000 loan
  • No credit check
  • 0% interest
  • No monthly fee
  • No overdraft fees


  • It may take you a couple of days to get a loan if you do not pay a “turbo” fee


Klover is another app that works with Chime and offers loans with no fees, interest, or credit checks. The application is suitable for those who often need to borrow small amounts of money, as the service provides loans up to $100. However, you can increase the amount up to $130 by watching ads or taking surveys.

Despite the user-friendly interface and smooth performance, Klover has one drawback compared to other Chime bank payday loans. So, the service imposes strict requirements for obtaining a loan:

  • Average deposit amount – $250
  • 3 deposits from the employer in the last 2 months
  • Only weekly or biweekly deposits count
  • Positive balance of more than 13 cents
  • US residence

Moreover, Klover will not consider your loan request if the deposits come from lenders or non-participating employers. Contact support to determine whether your paycheck qualifies.


  • No fees and interest
  • No credit checks
  • High level of reliability and security


  • Low maximum loan amount
  • Strict loan requirements

Honest Loans

Honest Loans app is one of the best loans that accept Chime. The platform cooperates with the top providers to offer its clients high-quality services. The distinctive feature of Honest Loans is its huge loan amounts that reach $50 000. However, payday loans are usually smaller (from $100 to $1 000). At the same time, the money comes to your account just within a day. Moreover, the service offers several types of loans:

  • Personal loan
  • Installment loan
  • Cash advance
  • Emergency loan

Like all similar online services, Honest Loans imposes its conditions that you need to meet to get a loan:

  • Regular monthly income over $800
  • Over 18 years of age
  • US residence

Please note that Honest Loans does not provide its services in West Virginia, Arkansas, Oregon, Arizona, Georgia, and other states where loan products are prohibited by law.


  • Big loans
  • Fast funding
  • Low APR rates
  • No credit checks


  • High fees for short-term loans


Albert is a popular financial app that allows you to control your budget, invest, and borrow up to $250. To get the money right away, you need to pay $4.99. Or you will receive a loan within 2 business days in case you do not want to pay the fee. To borrow money from Albert, you must have:

  • Permanent job and income
  • Regular salary (at least during the last two months)
  • Positive balance

In general, Albert is similar to the Dave app. The service does not charge you interest and fees and does not conduct negative credit checks. What’s more, Albert regularly analyzes the financial transactions in your account to determine if your credit limit needs to be adjusted. Therefore, they can increase or lower your limit over time.


  • No credit check
  • No monthly fees
  • Simple loan requirements
  • Individual credit adjustment


  • Fee for instant accrual of money


If you need extra money to pay a bill, visit a doctor, or purchase an unexpected birthday present, but payday is still a long way off, loan apps can be very helpful for you. We have reviewed the top 5 apps that work with Chime, including Dave, MoneyLion, Klover, Honest Loans, and Albert. And our LoanSolution experts agree that each of them is worthy of your attention. So, consider the features of these payday loan apps and choose the one that suits your financial goals. Spend money wisely.

Carl Packman
Carl Packman
Author’s Page

Carl Packman is a researcher, broadcaster, and writer. He wrote several books, including Loan Sharks: The Rise and Rise of Payday Lending, which comments on personal debt and finance issues. Also, Packman wrote Payday Lending – Global Growth of the High-Cost Credit Market, which reviews the growth of the high-cost credit industry from the early 1990s. He boasts a BA in Film and Philosophy from the London Metropolitan University. Carl Packman is a valuable contributor on our platform, sharing great insights into lending. He has helped improve our website by doing his authoritative preview of different topics.

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