The Best Ways to Get Money Fast

Emergency cash can provide much-needed relief when you’re in a tough financial situation. Whether you find yourself facing medical bills, car repairs, or just need a little extra to get by till your next paycheck, emergency cash can come in handy.

If you have a poor credit score, qualifying for an emergency loan can be challenging, but it’s not impossible. Options will be limited. You may have to look beyond traditional lenders. Be sure to read the fine print to avoid too much debt.

That sounds like a lot, but don’t worry. We’ll go over different ways to get cash fast so you can choose the best option for your situation.

What are emergency loans?

Emergency loans are typically short-term loans designed to provide quick access to cash. Most lenders offer almost instant approval and fast funding, allowing you to receive your money within a day or two.

You can find emergency loans from banks, credit unions, online lenders, or payday loan providers. Examples of emergency loans include personal loans, payday alternative loans, and cash advances.

Not all emergency loans come with the best terms. Many have high interest rates and extra fees and so it is important to evaluate repayment terms carefully. For instance, payday loans, car title loans, and pawnshop loans are best avoided due to their excessive fees and very short repayment periods.

What can I use emergency loans for?

Emergency loans can be used for anything you need. Common uses include covering unexpected medical bills, home or car repairs, paying overdue utility bills, or handling unforeseen travel expenses.

They can also help manage temporary cash flow shortages, such as when waiting for a paycheck. While emergency loans are versatile, it’s important to use them only for necessary expenses and not rely on them. Relying on borrowing money can lead to a cycle of debt.

Where can I find an emergency loan with bad credit?

Get a payday alternative loan
A Payday Alternative Loan (PAL) is offered by federal credit unions and serves as a safer option than traditional payday loans. With lower interest rates (capped at 28%) and more favorable terms, PALs can be a good solution for those with bad credit.

They are small-dollar loans, typically between $100 and $2,000, and offer more flexible repayment options, making them easier to manage. Check with your local credit union to see if they provide this option. Most require you to be a member for at least a month before you can take out a loan.

Apply for a payday loan
Payday loans are short-term loans designed for quick access to cash, even if you have poor credit. These loans don’t typically require a credit check, but they come with high fees and interest rates that typically equal a 400% APR (annual percentage rate).

Repayment is usually due within two weeks or on your next payday. While payday loans offer fast cash, they can easily trap borrowers in a cycle of debt, so it’s important to proceed with caution.

Consider a car title loan
Car title loans use your vehicle’s title as collateral, allowing you to borrow money based on the value of your car, regardless of your credit score. You typically receive 25%-50% of the value of your vehicle.

These loans provide fast cash and you get to continue driving your car. The catch is that the interest rates can be steep, you usually only have 30 days to repay the entire loan plus fees, and you risk losing your vehicle if you can’t repay the loan. Car title loans are a high-risk option, so consider them only if you have a clear repayment plan.

Take out a credit card cash advance
If you have a credit card, you will likely be able to withdraw cash, even with bad credit. Go to the ATM or your bank and use your credit card just like a debit card to take out cash. Most credit card companies allow you to borrow up to a certain limit. In return, they charge you a fee, plus the ATM fee, and a higher APR than on regular purchases. Additionally, the interest starts accumulating immediately – there’s no grace period. Use this option only if you can repay the money quickly to avoid high costs.

Visit a pawnshop
Pawnshop loans are short-term loans that use personal items, such as jewelry, electronics, or tools, as collateral. To obtain a loan, you bring an item of value to a pawnshop, and the pawnbroker will assess its worth and offer cash based on a percentage of the item’s value. If you repay the loan and interest within the agreed period, you get your item back. If not, the pawnshop keeps and sells the item to recoup the loan amount.

How to pick the best bad credit emergency loan

When choosing a bad-credit emergency loan, it’s essential to compare options carefully. Here’s what to consider to make sure you get the best loan for you.

Eligibility requirements: Check the lender’s criteria to ensure you qualify. Some lenders may accept scores below 670, while others might require a minimum credit score or specific income level.

Loan amount: Review the loan amounts offered. Make sure the lender provides enough funds without borrowing more than you need. Larger amounts can lead to higher interest costs.

Fees and interest rates: Look closely at the loan’s interest rates and any additional fees. Bad-credit loans often come with higher costs. Many lenders tack on an origination fee or prepayment penalty. Always shop around for the most affordable option.

Repayment terms: Examine the repayment terms to ensure they fit your budget. Some loans offer short repayment periods of only two weeks, while others provide more flexibility and can go up to two years or more. Choose a term that allows for manageable payments.

Funding time: Check the lender’s processing time to ensure you will get the cash you need when you need it. Many online lenders offer same-day or next-day funding, which can be crucial in emergencies.

The loan’s total cost: Calculate the total cost of the loan, including interest and fees, to understand how much you’ll end up paying. This will help you assess whether the loan is affordable and worth taking.

Alternatives to bad credit loans

Visit a charity or local nonprofit
Many charities and nonprofits offer financial assistance programs to help cover emergency expenses. These organizations may provide grants, food, or bill payment support, often without the need for repayment. Programs vary by location, so research what’s available in your area.

This option can be a great alternative to high-interest loans, especially if you’re facing immediate financial hardship. If you need help finding programs, call 211 for assistance.

Set up a payment plan
If you’re facing bills you can’t immediately pay, contact the company to set up a payment plan. Many credit card issuers offer flexible repayment options or hardship programs that allow you to break up larger bills into more manageable payments. If the issue is medical bills, call your provider’s billing office.

You may be able to negotiate a lower bill, set up a payment plan, or get it dropped altogether. Being proactive can help you avoid taking out loans while meeting your financial obligations.

Ask a loved one for help
Turning to friends or family for financial support can be a helpful alternative when you need quick cash. They may be able to offer interest-free loans or financial gifts to help you through tough times. It’s important to be honest about your situation and discuss repayment terms upfront to avoid potential strain on your relationship.

Request a payroll advance
Some employers offer payroll advances, allowing you to access a portion of your upcoming paycheck early. This option can help you avoid high-interest loans while still covering immediate expenses. Payroll advances are usually deducted from your next paycheck, so be sure to budget accordingly to avoid future cash flow issues.

Take out a cash advance
Cash advance apps let you borrow money with no credit check, no interest, and little to no fees. You connect the app to your bank account, and it will determine how much to lend you. The amounts vary between $20-$750 or more. You typically receive the money instantly (with a fast funding fee) or within one to three business days if you don’t pay an extra fee.

The advance is automatically deducted from your next direct deposit. The fees are generally lower than other short-term loans. The app may ask for a subscription, tip, or flat-rate fee. Be careful how much you tip, as you may end up paying a very high APR if you give too much for a small loan.

Borrow from your 401(k)
If you have a 401(k), borrowing from it can provide quick access to cash without going through a lender. While you’ll need to repay the money with interest, the rates are usually lower than those for bad credit loans, and the interest is paid back into your retirement account. Be cautious, though, as borrowing from your 401(k) could impact your retirement saving and there are tax implications.

Tips to steer clear of bad credit loan scams

When you’re in a financial bind, it’s easy to fall prey to bad credit loan scams. To protect yourself, keep these tips in mind:

Research the lender: Before committing to any loan, research the lender thoroughly. Read reviews and complaints on sites like Trustpilot and the Better Business Bureau. Check with your state’s financial regulator agency to make sure the lender is licensed to lend in your area. Legitimate lenders will have a clear online presence, a registered business, and a physical address.
Beware of upfront fees: Scammers often ask for payment upfront, claiming it’s for “processing” or “insurance.” Legitimate lenders deduct fees from the loan amount and never require payments before approval.
Look for transparency: A trustworthy lender will clearly explain loan terms, including fees, interest rates, and repayment schedules. If a lender is vague or refuses to provide written terms, it’s a red flag.
Check for pressure tactics: Scammers often pressure you to act quickly. Reputable lenders give you time to review the loan terms and make an informed decision.
Avoid unsolicited offers: Be cautious of unsolicited loan offers received through email, text, or social media. Scammers often use these methods to target vulnerable individuals. Legitimate lenders will not contact you first.

By following these tips, you can protect yourself from falling victim to bad credit loan scams.

Steps to Build an Emergency Fund

The best way to avoid borrowing is to build an emergency fund. Having your own safety net ensures you don’t end up paying interest and fees the next time unexpected expenses hit. Here are the steps to help you get started:

1. Set a goal: Begin by determining how much you need to save. A general rule is to aim for three to six months’ worth of living expenses. This can be tough if you’re also paying off debt. Instead, start small with an initial goal of $500 or $1,000, then build from there.

2. Open a separate account: Keep your emergency savings separate from your regular checking account to avoid the temptation of spending it. A high-yield savings account is a good option to grow your funds faster. Look for high-yield savings accounts offered by online-only banks, as many have little to no fees.

3. Automate your savings: Set up automatic transfers from your paycheck or checking account into your emergency fund. Even small, consistent deposits add up over time and make it easier to save without thinking about it. Plus you won’t be tempted to spend it. Many employers let you split your direct deposit between multiple accounts.

4. Cut unnecessary expenses: Review your budget to identify areas where you can cut back. Perhaps you can reduce streaming services, cut cable, eat out less, etc. Redirect the money you save toward your emergency fund to build it faster.

5. Use windfalls wisely: Whenever you receive extra money, such as tax refunds, bonuses, or gifts, consider putting a portion into your emergency fund.

By following these steps, you’ll create a financial cushion that can help you handle emergencies without borrowing.

Frequently asked questions

1. Can I get an emergency loan with bad credit?

It is possible to get an emergency loan even with bad credit. Many lenders offer loans specifically for people with poor credit, including payday loans, car title loans, and personal loans from online lenders. These loans often come with higher interest rates and fees due to the increased risk for the lender. Before you borrow, compare your options carefully and consider the costs.

2. What types of emergency loans are available for bad credit?

Emergency loans for bad credit include payday loans, personal loans, car title loans, and payday alternative loans (PALs) from federal credit unions. Each loan type has different terms, interest rates, and requirements. Look over the details to determine which option is best for you.

3. How much can I borrow with a bad credit emergency loan?

The amount you can borrow depends on the type of loan and the lender. Payday loans are generally for $500 or less while payday alternative loans range from $100 to $2,000. Personal loans and car title loans can offer higher amounts, sometimes up to $10,000. The lender will assess your income, ability to repay, and current debt levels when determining how much to offer.

4. What’s the fastest way to borrow money?

The fastest method is to take out a credit card cash advance or borrow from a cash advance app as these are instant. Many online lenders and payday loan providers offer same-day or next-day approval and funding. Some federal credit unions provide payday alternative loans (PALs) with quick processing. To expedite the process, ensure you have all necessary documentation, such as proof of income and identification, ready when applying.

5. What credit score do I need for an emergency loan?

The minimum credit score required varies by lender and loan type. Many banks prefer scores of 600 or higher, but some online lenders offer loans to individuals with lower credit scores or no credit history at all. Payday and car title lenders, pawnshops, and cash advance apps do not consider your credit score. Lenders who offer loans for bad credit or do not require a credit score often have higher interest rates and stricter terms.

Bottom line

It is entirely possible to get cash when you need it. More and more lending options are popping up to help people find extra cash to cover expenses. Look over the options we listed and choose the one that best fits your budget. Remember, do not borrow more than you need to and be sure you can repay the money before you sign a loan agreement. There are plenty of other ways to get financial assistance if the cost of borrowing is too high.

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. 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 Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required. 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.

2. 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.

3. 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.

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. 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

6. 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.

7. 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 Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

8. You may earn Points in connection with your everyday spending 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. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

9. 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.

10. 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. 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%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

11. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

12. 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.

13. 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.

14. 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.

15. 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.

16. 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.

17. 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.

18. 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.

19. 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.

20. 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.

21. 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.

22. 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.

23. 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.

24. 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.

25. 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.

26. 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.

27. 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.

28. 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.

29. 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.

30. 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.

31. 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.

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

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

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

35. 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.

36. 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.

37. 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.

38. 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.

* 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.