New Cash Advance Apps 2025

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Key takeaways

Cash advance apps offer instant access to cash without a credit check.
These apps have minimal fees and no interest charges.
Cash advance apps are convenient but should not replace long-term financial planning.

Cash advance apps can be a lifesaver if you’re living paycheck to paycheck. And the majority of Americans are. These apps send you a small amount of money almost instantly at little to no cost. You get the funds you need before payday. They can be an easy way to avoid overdrafts, cover rent, or pay for groceries.

What exactly are cash advance apps, and how do they work? Here’s what you need to know.

What are cash advance apps?
How do cash advance apps work?
How to borrow money from a cash app?
Benefits of cash advance apps
How to choose the right cash advance app
What to be aware of with cash advance apps
Tips for using cash advance apps
Are cash advance apps safe?
Alternatives to cash advance apps
Bottom line

What are cash advance apps?

Cash advance apps provide quick and easy access to cash. You can borrow small amounts of money, $25-$500, though some go higher. Many apps will only send you money you’ve already earned but haven’t been paid yet.

These apps typically do not conduct a credit check – perfect if you have poor credit. Instead, they review your banking history and note how much you earn to determine how much to lend you. Funds are sent to your bank account via direct deposit or to connected debit cards within one to two business days. Most apps also offer fast funding for a fee, where you get the money instantly.

Cash advance apps are an alternative to online payday lenders and cost much less. They may charge a monthly subscription fee of $1-$10 or an optional tip rather than high interest rates and excessive fees. The lower cost and more flexible repayment terms can help you avoid the cycle of debt. Still, they are designed to provide short-term relief for unexpected expenses and prevent overdraft fees. They are not a long-term solution to financial problems.

Many apps offer additional features like budgeting tools and overdraft protection. Their goal is to promote financial health and stability.

How do cash advance apps work?

Cash advance apps have become popular because they’re an easy way to access quick cash before your next paycheck. So how do they work? The apps actually grant you a small amount of money as an advance of your expected earnings. That’s why many go by the name paycheck advance app.

You connect the app to your primary checking account and allow it to monitor your income and expenditures. The app uses this information to assess your eligibility for an advance. Some apps require you to receive direct deposit, while others need access to your work time sheet.

When you request an advance, the app will review your transaction history from your bank account or work time sheet to determine how much to lend you. Borrowing limits are usually set low. Pay the money back on time consistently, and the maximum loan amount should go up.

Once approved, the app transfers funds instantly or within a few business days to a linked debit card or bank account via direct deposit.

You will then have to pay back the loan on your next payday. Most apps automatically withdraw the money from your linked bank account when it’s due. If you can’t pay back the advance when it’s due or a withdrawal will lead to overdraft fees, don’t worry. Most apps let you change the due date in advance at no cost. With instant transfers, flexible repayment, and no hard inquiries, cash advance apps can match the appeal of 1 hour payday loans without a credit check.

How to borrow money from a cash app?

Borrowing money from a cash advance app is typically quick and straightforward. First, download the app of your choice and create an account. You’ll need to provide basic personal and financial details. Most apps will require you to link your bank account and verify your income or employment.

Once set up, you can request a cash advance directly through the app, usually by selecting the amount you need. Approvals are often instant, especially for smaller amounts. Once approved, funds are quickly deposited into your linked account, sometimes within minutes.

Repayment is often automatically deducted from your next paycheck. You may be able to change the repayment date depending on the app. Keep in mind that borrowing limits, fees, and repayment terms vary by app, so read the terms carefully before accepting the advance.

Benefits of guaranteed cash advance apps

No credit check

Cash advance apps don’t conduct a hard or even soft credit check. Like no credit check loans, they don’t look at your credit report or report to the credit bureaus. Instead, they review your bank account transactions and electronic timesheets. They’re more interested in when you get paid, how much you’ve earned, and how often your bank account goes negative. These factors determine your advance amount, not your credit history.

Few fees

Cash advance apps are known for having minimal fees, many of which are optional. Some apps have a monthly subscription fee and offer other features like budgeting tools or credit builder loans. Most apps only request an optional tip and charge extra to get your money instantly. Both of which you can decline. Mandatory fees are few and far between, as are interest charges.

Fast funding

Cash advance apps are designed for quick turnarounds, perfect if you need $1,000 dollars now. Most send money within one to three business days, the same time it takes to get a personal loan. You can pay a little extra to get your cash within hours if needed.

Flexible repayment terms

Generally, these apps have a repayment period of two weeks or less, but many let you change your payment due date. If you know that you won’t be able to repay on your next payday or that repaying will overdraw your account, let the app know.

Nonpayment won’t lead to collections

Most cash advance apps don’t report payments to the three major credit bureaus (Experian, Equifax, and TransUnion), send borrowers to collections for not repaying, or sue users. There are, of course, a few exceptions, but most apps simply won’t grant you another advance until you repay the first.

How to choose the right cash advance app

There are tons of cash advance apps available. Choosing the right one for you depends on your financial situation and what you want.

Think about how much you need to borrow. Different apps advance different amounts. Make sure the app you choose can cover your needs.
Consider the funding speed. Most apps transfer money within one to three business days for free. Or you can get instant funding for a fee. Make sure the fast funding fees are manageable.
Evaluate all the fees. Some apps charge a monthly membership fee. Others have optional tips and fast funding fees. Understanding the total costs of a cash advance can help you avoid unexpected charges.
Read the repayment terms. All apps have their own repayment rules. Most require payment on your next payday. Check how easy it is to change the due date in case you ever need extra time.
Find out if the app offers overdraft protection. A lot of cash advance apps will automatically withdraw funds when due. The automatic withdrawal can lead to overdraft fees if your account is low. See if the app offers protection against this.
Research the app’s reputation. Read customer reviews and check ratings on app stores for insight into the user experience. Look for apps with positive reviews and helpful customer service.
Look for additional features and financial tools. Lots of cash advance apps also offer budgeting tools, financial advice, or the ability to track spending. Extra features you’ll use are especially important if you’re paying a monthly membership fee.
Assess eligibility requirements. Some apps require you to have direct deposit set up, an active bank account that’s over three months old, or an electronic timesheet. Make sure that you meet the app’s eligibility criteria.

What to be aware of with cash advance apps

Cash advance apps can provide valuable assistance during financial emergencies, but before you use one, take the time to understand their potential pitfalls.

Habit of borrowing

Relying on cash advance apps regularly can lead to dependency. These services are for emergencies, not monthly use. If you find that you consistently need to borrow, it’s time to increase your income.

Initial advance amount can be low

When you start using a cash advance app, the initial borrowing limit may be modest. Many apps start with a low advance amount to assess your repayment habits. As you repay on time, the app will likely increase the amount you can borrow.

Fees can add up

Costs can make advances expensive. There’s the potential subscription fee, optional tip, and fast funding fee. While the fees are modest on their own, they add up fast. Avoid using fast funding and wait to get your money for free. Also, there’s no benefit to tipping.

Repayment may cause an overdraft

Most apps withdraw payment automatically on your next payday. If you don’t have enough money in your account for whatever reason, this can cause an overdraft. Overdraft fees can go up to $35.

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Tips for using instant cash advance apps

Cash advance apps can be a convenient tool for dealing with unexpected expenses, but it’s essential to use them wisely.

The first rule is not to overtip. Tips are optional and will not affect your access to future advances. Secondly, plan ahead so you don’t need to use the fast funding feature. While both the suggested tip and fast funding fee appear small, they can add up. For instance, say you take out a $200 advance due in 14 days. You pay a $5 fast funding fee and leave an $11 tip. That is equivalent to a 200% APR (annual percentage rate). A triple-digit APR is too high. An affordable APR is below 36%.

Anytime you borrow money, have a plan in place to repay it. The rule also applies to cash advance apps. You must adjust your budget, knowing your next paycheck will be short. Changing your spending, at least temporarily, will help you avoid taking out another advance immediately.

Cash advance apps are helpful for emergencies, but refrain from relying on them too much. They are a tool, not a substitute for consistent income.

Are cash advance apps safe?

Cash advance apps are generally safe to use. Most employ encryption technology to protect your data and prevent it from falling into the wrong hands.

They are also considered safer than payday loans and less likely to lead to a cycle of debt. They do not charge hefty interest rates or rollover fees if you can’t pay on time, like payday lenders do. The fees they do charge are minimal, and many are optional.

Alternatives to cash advance apps

Cash advance apps are helpful, but not for everyone or every situation. Anytime you need money, consider all your borrowing options to make an informed decision.

Personal loans

Personal loans, especially those from credit unions, typically offer a lower APR than cash advances. Payday alternative loans from federal credit unions have their APRs capped at 28%.

Traditional loans can be more affordable and are a more practical choice if you need to borrow a larger amount of money. Most are repaid in installments. This means you pay a fixed amount each month rather than a lump sum. Monthly payments are easier to budget for than lump-sum payments.

You can get personal loans for bad credit. Look into online lenders, credit unions, and community banks. All have more lenient requirements. You will likely pay a higher interest rate if your credit score is poor, so be sure to prequalify and compare offers.

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Credit cards

Credit cards are another way to finance purchases when you’re low on cash. If you can pay your statement balance in full by the due date, you won’t have to pay any interest or late fees.

You could also apply for a credit card with an introductory 0% APR to manage expenses without incurring immediate interest charges. Be sure to pay the balance in full before the introductory period ends and the interest rate increases dramatically.

Another option is to withdraw cash directly from an ATM using your credit card. Credit card cash advances give you instant access to money. The credit card issuer will charge fees and a higher interest rate that applies immediately for access to funds. Credit card cash advances can be helpful if you need extra cash right away and can pay it back fast.

Peer-to-peer lending

Peer-to-peer lending platforms connect borrowers directly with individual lenders, often at competitive rates. This method provides an alternative to traditional bank loans, typically offering more flexibility. However, interest rates can vary, so it’s important to compare offers before committing.

Buy now, pay later (BNPL) apps

BNPL apps allow you to spread out the cost of purchases, over usually over four to six weeks. They don’t charge interest or fees if you make all your payments on time. Like cash advance apps, most do not require a credit check. The catch with BNPL apps is that they often lead to overspending.

Borrow from friends and family

Friend or family loans can be a cost-effective solution to a cash shortage. Most people don’t charge interest or fees and will provide flexible repayment terms. For the sake of your relationship, it’s essential to clearly communicate the terms before borrowing.

Frequently asked questions

1. What cash advance apps work with Cash App?

Several cash advance apps are compatible with Cash App, including Albert, Empower, and Brigit. These apps let you connect Cash App as your receiving account. Linking the two provides quick, hassle-free access to advances and simplifies repayment. Always verify compatibility within each app, as integration options can occasionally change.

2. Do cash advances affect your credit score?

Most cash advance apps do not perform hard credit checks, so requesting an advance will not impact your credit. Generally, the apps do not report payments to credit bureaus, so whether you pay on time or not will not affect your score. There are exceptions to this rule so check with your app.

3. What happens if you can’t repay on time?

If you can’t repay on time, most apps will simply not let you borrow again until you’ve paid what you owe. Some may even suspend your account until the outstanding balance is settled. A few apps report late payments to the credit bureaus, which will hurt your credit score, though most do not.

4. How does a cash advance app differ from a payday loan?

Cash advance apps are more flexible and affordable than payday loans. They do not charge interest, and many of the fees are optional. Most apps also let you change your due date without a fee. Payday loans tend to have higher interest rates and fees equivalent to a 400% APR. If you need to extend the loan, most payday lenders charge you.

5. Can you get a free cash advance with no credit check?

It is possible to get a cash advance for free without a credit check. Very few, if any, apps conduct a credit check. To get an advance for free, you’ll have to find an app that does not charge a subscription fee. Then, do not tip and do not pay the fast funding fee.

6. What app gives you money instantly?

Virtually all cash advance apps provide instant advances. Typically, you can receive your money within minutes when you pay a small fee. If you can wait one to three business days, you can get your cash for free. Check with the app you’re interested in for exact funding times.

7. What cash advance apps work with Chime?

Several cash advance apps work seamlessly with Chime, including Dave, Cleo, and EarnIn. These apps allow users to connect their Chime accounts easily, enabling quick transfers and efficient repayment.

Bottom line

Cash advances are a viable alternative to payday loans when you need extra money. They can help you out in a pinch with cash to bridge the gap till payday. But don’t rely on them. While much cheaper and more manageable than payday loans, they are still a form of borrowing.

Your best bet for long-term financial stability is to create a budget and build an emergency fund. A budget can make your dollars stretch further. If you don’t have one, that should be your first priority. An emergency fund can be a safety net for when unexpected expenses hit. Cash advance apps are there for you anytime you need them, but a budget and emergency fund will provide long-term financial health.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Paycheck Advance is an earned wage access service and is not a loan or credit product.

3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees. Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

6. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

7. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

8. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

9. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.

10. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.

11. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

12. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

13. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.

14. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

15. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.

16. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

17. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

18. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

20. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

22. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

23. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

24. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

25. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

26. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

27. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

28. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

29. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

30. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

31. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

32. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

33. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

34. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

35. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

36. Tipping or not tipping has no impact on your eligibility for SpotMe®.

37. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

38. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

39. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

40. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

41. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

42. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

43. Not affiliated with Empower Annuity Insurance Company of America (www.empower.com). Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others. Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $95 for first-time customers; $187 for all others. Instant delivery is optional—see fees in Empower’s Terms. Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor's credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor's degree in journalism and an MBA.

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New Cash Advance Apps for Easy Cash Access