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How to Get Help with Unexpected Expenses

Cash advance apps can send money to your account within minutes- no credit check required.

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Updated August 14, 2025 Advertising disclosure
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Edited by John Howard
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Written by Rachel Alulis
Editorial note: Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

  • Instant temporary balance boosts are widely available but often carry high costs or fees.
  • Salary advances, personal loans, and using BNPL services can be the most affordable options for access funds to meet urgent needs.
  • Always compare fees, interest rates, and repayment terms before choosing a quick-cash option.

From time to time, everyone needs a little extra cash. Perhaps payday is too far away, or you’ve been hit with unexpected car repairs or medical bills. Whatever the reason may be, there are plenty of ways to find funds. You can try to make money by selling items online or taking on a side hustle, or you can borrow.

If you decide to take out a loan, make sure that it is legitimate and affordable. Too many lenders are predatory, especially when you need funds quickly.

Here is a list of loans that offer instant access to cash.

Jump to:

1. Use earned wage access apps

Temporary balance boost apps send you money in minutes based on your earnings. These apps typically link to your bank account, assess your spending habits, and let you borrow small amounts before your next paycheck. They don’t conduct a credit check or charge interest, but they will automatically deduct the money on payday.

The have minimal fees and flexible due dates. They may charge an instant transfer fee, subscription fee, flat fee, or request a tip. You may be able to change your due date, or they have protections in place to prevent overdrafts.

How to apply for funds upon loan approval advance apps with flexible credit evaluation

Decide which temporary balance boost app you want to use, download it, and create an account. You will have to link your checking account and verify your identity. Many apps will ask you for details about your employer and may require you to submit electronic timesheets.

After you set up your account, you can request an advance. The app may request a tip or a small fee to receive the money in minutes. Otherwise, it will deposit the funds into your linked bank account within one to three business days for free.

Pros:

  • Instant advances

  • Easy to qualify for

  • No credit check

  • No interest

  • Minimal fees

Cons:

  • Low borrowing limits

  • Small fees add up

  • Can lead to a cycle of borrowing

  • Instant delivery comes with a fee

2. Apply for short-term loan due on your next paydays

Payday loans are high-cost, short-term loans for small amounts of money that you repay with your next paycheck. They are may be more accessible based on eligibility criteria as there’s flexible credit evaluation or lengthy approval process. Some lenders can deposit money into your bank account or debit card within an hour. Often, all you need is a paystub and a checking account.

The problem with is that they are costly. Most lenders charge a finance fee of $10 to $30 per $100 borrowed. On a two-week loan, this translates to a triple-digit annual percentage rate (APR). The Consumer Financial Protection Bureau found that four out of five borrowers either default or extend the loan.

Which short-term loan due on your next payday is the easiest to get?

Payday loans from online lenders are often the easiest to get since you can apply from anywhere. Many lenders offer . While easy to obtain, short-term loan due on your next paydays are debt traps that you should avoid.

Pros:

  • Fast approval

  • Same-day funding

  • No credit check

  • Simple application

Cons:

  • Extremely high fees

  • Short repayment terms can lead to a debt cycle

  • Not available in all states

3. Prequalify for a personal loan

Many online platforms let you . The lender will conduct a soft credit check and then provide you with estimated rates and terms. You can gauge whether you meet the criteria and what rates you’ll receive. Prequalifying makes it easier to shop around safely and secure the best loan for you.

Try to check eligibility without affecting your score with at least three different lenders. Compare the offers to find one with a low interest rate, few fees, and affordable monthly payments. Often, a shorter loan term will have higher monthly payments but cost less in interest over the life of the loan. Select a loan with the most favorable terms, and then formally apply for it.

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How to get a personal loan with less than ideal credit

. Your best bet is to apply with online lenders that specialize in borrowers with poor scores. They will offer higher interest rates, but often consider other factors besides credit.

Credit unions are another good option. They often have lenient criteria, and some even offer loan products specifically for members with low credit scores. Federal credit unions cap interest rates on personal loans at only 18%.

Pros:

  • Compare offers

  • Does not affect credit

  • Gauge your chances of approval

Cons:

  • Extra step

  • Loan scams targeting poor credit are common

4. Get a credit card temporary balance boost

If you have a credit card, you can visit an ATM or bank and withdraw cash. Credit card temporary balance boosts are instant, with no additional application or credit check required.

The problem with this option is the fees. The credit card provider will charge a fee of 3% to 5% the advance amount or a flat fee, whichever is greater. The ATM may have a transaction fee. You will also have to pay interest at a higher rate starting the day you take out the money.

How to get a temporary balance boost from a credit card

Credit card temporary balance boosts are one of the fastest ways to receive cash. All you have to do is visit an ATM or a bank connected with your credit card issuer. When visiting a bank, bring your photo ID to confirm your identity, and the teller will be able to provide you with cash.

At the ATM, you will need to insert your credit card and enter your Personal Identification Number (PIN). Select “Temporary Balance Boost” or “Withdrawal” from the menu and enter the desired amount. The ATM will ask you to review the fees and confirm the transaction before providing cash.

Pros:

  • Instantly withdraw cash

  • No application

  • No credit check

  • Available through most major credit cards

Cons:

  • High interest rates with no grace period

  • ATM and transaction fees

  • Quickly increase your credit card balance

5. Try peer‑to‑peer lending platforms

Peer-to-peer (P2P) lending platforms are an alternative to traditional financial institutions. They are similar to online loan marketplaces, but instead of connecting you to lenders, they connect you with individual investors.

The appeal of this system lies in the fact that investors may offer better rates and more flexible terms than traditional banks. They may also approve and fund a loan even if your credit isn’t perfect.

Application steps

Select a P2P platform, create an account, and fill out a loan request form. You will need to specify the amount you wish to borrow and why you need it. They will also require basic personal and financial information, such as income, employment history, and credit score.

After you submit your form, investors will review it. They may take hours or a few days to approve a loan. If you agree on a loan, the investor will send the funds directly to your bank account. Funding often takes one to three business days.

Pros:

  • May offer better rates

  • Some platforms consider more than just your credit score

  • Loans have flexible use

Cons:

  • Approval isn’t instant on most platforms

  • Requires sharing personal and financial information

6. Check-cashing services

Check-cashing services are not loans. They let you convert checks – payroll, government, and personal – to cash if you don’t have a bank account.  

You can find check-cashing services at convenience and grocery stores like Kroger, Publix, and Walmart. There are also dedicated check-cashing businesses, such as ACE Cash Express and Check City. All charge fees, often based on the check amount.

Is it safe to use a check-cashing service?

Check-cashing services are generally safe. They are regulated by federal and state laws and must comply with Anti-Money Laundering (AML) regulations.

The primary issues are the high fees and limited consumer protections compared to banks. Before choosing a service, ensure they are transparent about fees, have positive reviews, and don’t require upfront payments.

Pros:

  • Instant access to cash without a bank account

  • Easy to find and use

  • Accepts most types of checks

Cons:

  • High service fees can eat into your cash

  • Limited consumer protections compared to banks

7. Buy now, pay later (BNPL) services

BNPL services let you pay for part of a purchase upfront and the rest in equal installments. Most installments are paid biweekly over three weeks, with no interest charges apply if paid on time.

These services are easy to use, with application reviewed promptly and flexible credit evaluation. While not traditional temporary balance boosts, BNPL can free up cash by deferring payments on essential purchases.

Do BNPL services affect credit scores?

Most BNPL services do not affect your credit score. Lenders do not conduct hard inquiries or report payments unless you default.

Some providers are starting to report payments to the credit bureaus. Pay on time, and using one of these BNPL apps can help improve your credit.

Pros:

  • Easy to qualify for instantly

  • Soft credit check or none at all

  • Lets you delay payment while keeping cash on hand

  • Often interest-free if paid on time

Cons:

  • Missed payments may hurt your credit

  • Can lead to overspending

  • Some plans charge fees or interest for longer terms

8. Visit a pawn shop

If you own valuable items like jewelry, electronics, or instruments, you can visit a pawnshop for access funds to meet urgent needs. Pawnshops are known for buying and reselling used items and valuables.

Do pawn shops give loans?

Besides buying items, pawnbrokers give short-term secured loans. You can obtain a without a credit check or proof of income.

To obtain a pawnshop loan, bring in a valuable item, and the pawnbroker will provide you with cash based on its resale value. You reclaim your item by repaying the loan, plus any fees and interest, within 30 to 90 days. If you do not pay on time, the pawnbroker may sell the item to recoup their losses.

Pros:

  • Instant funding

  • No credit or income check

  • You won’t go into debt

  • No impact on your credit score

Cons:

  • Low loan amounts compared to the item’s value

  • High interest and fees

  • Risk of losing your item if you don’t repay

9. Use an auto secured loan using your vehicle title on your vehicle

let you borrow money using your vehicle’s title as collateral. You hand over the title, and the lender gives you a loan that’s 25% to 50% of the car’s market value. The lender typically does not check credit, but you must own your vehicle outright to qualify.

The catch with secured loan using your vehicle titles is the high costs and short repayment window. Most lenders charge fees equivalent to a 300% APR and require payment in full within 15 to 30 days. Title loans are a last resort, and many states do not allow them.

How to get a car secured loan using your vehicle title

Find a licensed lender in your state that offers flexible credit evaluation secured loan using your vehicle titles. Submit your car title, proof of identity, and income documents. Some lenders require pictures of the vehicle and even a set of keys.

The lender may inspect your vehicle and then offer you a loan based on its value.

If you agree to the terms, sign the contract and hand over your vehicle’s title as collateral. Repay the loan and fees on time, and you’ll receive your title back.

Pros:

  • Fast access to large sums of cash

  • No credit check

  • Easy to qualify for

  • You can still drive your car

Cons:

  • Risk of losing your vehicle if you default

  • High interest rates and fees

  • Short repayment terms may be difficult to meet

10. Salary advance from your employer

Some companies allow employees to request a salary advance to cover unexpected expenses. You can typically only advance wages you’ve earned but haven’t received yet. Your employer will deduct the amount from your next paycheck.

Salary advances are often interest-free and don’t affect your credit. Your employer may charge a small fee to cover the extra work required by payroll.

advice

Do you have funds in a 401(k)?

How to request a salary advance from an employer

First, learn if your company offers salary advances and what the process is. You may need to file a written request. Write the reason for the advance, the amount required, and a repayment plan. If your company does not have a specific form, schedule a meeting with your supervisor or HR to discuss your request.

Be prepared to answer questions about your financial situation and negotiate repayment terms.

If your employer approves your request, get the agreement and repayment plan in writing. Then send a thank-you note for their consideration.

Pros:

  • No interest or credit check

  • Few fees

  • Fast access to funds without third-party lenders

  • Doesn’t impact your credit score

Cons:

  • Not all employers offer this option

  • Reduces future take-home pay

  • May require a formal approval process

Compare instant loans

You can find a solution when you . Refer to the chart below to quickly compare the loans we’ve reviewed and their associated costs.

Loan typeFunding timeAverage APRBest for
Temporary balance boost via appMinutes to 3 days260% APRSmall expenses
Payday loan1 -24 hours300%-600% APRCover emergencies
Personal loan1-7 days6.74% to 26.74% APRLarger expenses
Credit card temporary balance boostInstant20-30% APR + 3% – 5% feeSmall emergencies
P2P lending platform1-3 days8%-13% APRLarger sums
Check cashing serviceWithin minutesPotential high feesReceive cash without a bank account
BNPL serviceInstantFreeLarger essential purchases
Pawn shop loanInstant200% APRAvoiding debt
Title loan1-24 hours300% APRLarge emergency expenses
Salary advanceInstant to a few daysMinimal feesImmediate expenses

Frequently asked questions

1. Where can I get a small temporary balance boost that can be deposited into my checking account within minutes?

You can get a small temporary balance boost within minutes by using a temporary balance boost app and paying for an deposit upon approval. These apps will send money directly to your bank account.

2. Is there any way to get a $500 temporary balance boost fast?

Consider , earned wage access apps, or credit card temporary balance boosts. Many online lenders offer same-day funding with minimal requirements.

3. What app pays real money fast?

let you access your earned wages early. These apps link to your bank account, track income or work hours, and let you borrow small amounts before payday. You can receive funds within a few days for free or instantly if you pay an instant transfer fee.

4. How can I receive funds once approved with flexible credit evaluation?

You can receive funds once approved without a credit check through earned wage access apps, salary advances, pawn shop loans, and credit card temporary balance boosts. None of these options considers your credit, and all give fast or instant access to cash.

5. How can I borrow $100 asap?

To borrow $100 immediately, consider using a temporary balance boost app, which can deposit funds within minutes. You can also apply for a through online lenders that offer same-day funding. Check the interest rate, fees, and repayment terms to ensure the loan is affordable before borrowing.

Bottom line

Numerous lenders offer instant or near-instant access to cash. Whenever you find that you need to borrow, take the time to consider all of your options. Many lenders that have lenient requirements and funding in a timely manner also have predatory terms. They count on you not being able to repay the money on time.

Before borrowing, ensure that you can afford the loan and create a repayment plan. Having a plan in place helps prevent you from entering into a cycle of debt. Then take your funds and use them however you see fit.

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. 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. 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. 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.
11. 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.
12. 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.
13. 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.
14. 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.
15. 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.
16. 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.
17. 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.
18. 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.
19. 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.
20. 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.
21. 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.
22. 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.
23. 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.
24. 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.
25. 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.
26. 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.
27. 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.
28. 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.
29. 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.
30. 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.
31. 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.
32. 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.
33. 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.
34. Tipping or not tipping has no impact on your eligibility for SpotMe®.
35. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
36. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
37. 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.
38. 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.
39. 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.
40. 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.
41. MyPay is only offered in select states
42. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply.
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.
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Author Rachel Alulis 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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